Lifestyles After 50 Lake/Marion/Sumter Edition, January 2019

LakE, MaRion, SuMtER ~ JanuaRy 2019

Florida’s Most-read 50+ Publication for 30 years

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Lifestyles After 50 • Lake/Marion/Sumter • January 2019 • page 2

Here’s to Your Health ~ And that of Our Oceans A

How you can help: s we slide into 2019, we typi1. Wean yourself off cally make a list of resolutions, disposable plastics. Refuse set our priorities and hope that with to buy plastic straws, a little luck and perseverance, we’ll dinnerware and disposable get it right this time and exit the year cutlery (except for possible with minimal damage. Maybe even use during a hurricane). come out on top.

2. Take reusable bags to In this issue, we cheer you on with the store (keep them in your stories about physical and financial car and you won’t forget). fitness. We’ve even included a Support bans on plastic vegetarian recipe to get you started bags, which compose 60 to on your new plant-based diet.

80% of ocean debris and can As we consider personal and last for centuries. financial fitness, we should also 3. Understand recycling, reflect on the well-being of our what is accepted, and do it planet.

Yellow butterfly fish swim around a plastic bag. The bags whenever possible.

This month I’d like to focus can look like jellyfish to some marine animals. Sea turtles and 4. When you do go to on the use of plastics and their some species of fish may try to eat them. restaurants, carry your own widespread pollution of our lands, rivers, coastal areas, beaches and particularly our oceans where foil or containers for leftovers. Purchase stainless steel straws to carry with you. nonbiodegradable litter tends to accumulate.

5. Don’t drink bottled water. Use a water filter and reusable According to the National Oceanographic and Atmospheric Administration, plastic debris kills an estimated 100,000 marine bottles.

6. Buy from manufacturers that package their products in mammals annually. Their decomposing bodies are often found on beaches with bright, colorful pieces of plastic remaining smart, sustainable containers. Write to those you think overuse plastic. where their innards had been.

7. Purchase clothing and products made from natural fibers.

Our craving for lightweight, handy, durable and relatively8. Don’t allow fishing lines and nets to get into the oceans. cheap plastic has led to over-production and over-consumption 9. Teach young people to never, ever litter. of the product, which in turn has created massive widespread 10. Spread the word about plastic pollution. Learn more pollution often found in humongous garbage patches. Perhaps the most well-known is the Great Pacific garbage patch, now about plastic pollution at plastic-pollution.org. twice the size of Texas. The plastic debris usually originates on It’s going to take monumental effort to change the way we land and is washed into ditches, streams and rivers where it is carried out into the oceans and bays and becomes garbage soup. produce, use and dispose of plastics, but everyone needs to be This plastic soup is ubiquitous now. No corner of the earth is onboard to make the seas healthier again. New alternatives safe. In a recent citizen-scientist effort to document the extent need to be developed but, in the meantime, do what you can. of microplastic pollution in the Gulf of Mexico, volunteers Let Mother Earth know you’ve got her back. and scientists found plastic fragments, fibers and microbeads See you in February. in nearly every one-liter sample taken.

Microplastics are created when sunlight or wave action breaks down plastic debris into tiny bit pieces. When plastics degrade, they leach toxins that are carcinogenic. These plastics are now in our waters for sea life to consume for a very long time –if not forever. The will work their way into the food Terri Bryce Reeves, Editor chain and yes, possibly our sushi.

Terri Bryce Reeves

Lake Edition Published monthly by Lifestyles After 50 Volume 30, Issue 1

Publisher

Ed Graves Ed@lifestylesafter50.com

Editor

Terri Bryce Reeves Terri@lifestylesafter50.com

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Attention Readers: The articles printed in Lifestyles After 50 do not necessarily reflect the opinion of the Editor or the staff. Lifestyles After 50 endeavors to accept reliable advertising; however, we cannot be held responsible by the public for advertising claims. Lifestyles After 50 reserves the right to refuse or discontinue any advertisement. Our advertising deadline for each issue is the 15th of the previous month. Magazines are out by the 7th of each month. All rights reserved.

As a reader of Lifestyles After 50, you are creating an established relationship with our advertisers. You may be contacted by email, telephone or mail as allowed by law.

Lifestyles After 50 • Lake/Marion/Sumter • January 2019 • page 3

local events around town • January 2019 Event: Date: Time: Cost:

Farmers Market Sunday mornings 9 a.m. - 2 p.m.

FREE

Event: Date: Time: Cost:

Place: Clermont Downtown Farmers Mkt Address: 620 W. Montrose St. Clermont, 34711 Phone: 352-617-8788 Web: clermontdowntownpartnership.com

Event: Date: Time: Cost:

Wordpress Web Design with Jim Rietz Jan. 8 1-4 p.m.

FREE

Place: Leesburg for the Arts Address: 429 W. Magnolia St. Leesburg, 34748 Phone: 352-365-0232 Web: leesburgarts.com

Music Concert at the Cooper Memorial Library Jan. 9 4 – 5:30 p.m.

FREE

Event: Date: Time: Cost:

Mount Dora 2nd Friday Art in the Alley Jan. 11 6 – 9 p.m.

FREE

Event: Date: Time: Cost:

Art Lounge – Art Share Jan. 16 6:30 – 8:30 p.m.

FREE for Members $6 suggested donation

Place: Cooper Memorial Library Address: 2525 Oakley Seaver Dr. Clermont, 34711 Phone: 352-536-2275 Web: mylakelibrary.org

Place: Royellou Lane Address: 138 E. Fifth Ave. Mount Dora, 32757 Phone: 352-383-0880 Web: secondfridayartinthealley.com

Place: Leesburg for the Arts Address: 429 W. Magnolia St. Leesburg, 34748 Phone: 352-365-0232 Web: leesburgarts.com

Event:

Event:

Event: Date: Time: Cost:

You Are There Hosted by Charlie Grinker: The 1940’s The Future Arrives Date: Jan. 10 Time: 2 p.m.

Cost: $10.75 Place: Clermont Performing Art Ctr Address: 3700 S HWY 27 Clermont, 34711 Phone: 352-394-4800 Web: clermontperformingartcenter.com

Date: Time: Cost:

Lifestyles After 50 Fun Fest, Zephyrhills Moose Lodge Jan. 16 9 a.m. – 1 p.m.

FREE

Place: Zephyrhills Moose Lodge #2276 Address: 3211 Gall Blvd.

Zephyrhills, 33541 Phone: 813-653-1988 Web: lifestylesafter50.com/events

Jojo’s Costumes Cosplay Jan. 19 1 - 3 p.m. $10 mem. /$15 non. Mem.

Place: Leesburg for the Arts Address: 429 W. Magnolia St. Leesburg, 34748 Phone: 352-365-0232 Web: leesburgarts.com

Event:

Rockabilly Rockets – Shake Rattle Roll Date: Jan. 25 Time: 7:30 p.m. – 9:30 Cost: $30 Adv. Reserved/ $35 at door Place: Mount Dora Community Building Theater Address: 520 N. Baker St. Mount Dora, 32756 Phone: 352-383-2165 Web: mountdoraalive.com Event: Date: Time: Cost: Place: Address:

Flamenco Vivo Carlota Santana Jan. 27 3 p.m. $25.90 & up Clermont Performing Arts Ctr 3700 S HWY 27 Clermont, 34711 Phone: 352- 394-4800 Web: clermontperformingartcenter.com

send your event news to Jenna@lifestylesafter50.com by the 15th of each month for publication in the following month's issue.

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Free Admission for Attendees 50 and Over MOOSE LODGE #2276 • 3211 GALL BLVD • ZEPHYRHILLS, FL 33541 Free Coffee And Goodies • Prizes and Giveaways Great Exhibitors: Health Needs, Financial, Home Services and More Moose Lodge presents great lunch options from $4.00 to $7.00 A

EVENT 813-653-1988 • www.lifestylesafter50.com

Lifestyles After 50 • Lake/Marion/Sumter • January 2019 • page 4

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HAPPY NEW REAR

Exercise is essential ~ Let’s get to the bottom of why

By TERRI BRyCE REEVES, EdIToR

W

ith a New Year underway and America’s resolve to “get healthy and fit” in 2019, we journalists are tasked with trotting out the good ol’ “getin-shape” piece each January – and for a good reason.

There is mounting evidence that exercise can stave off chronic illnesses like heart disease, cancer, osteoporosis, diabetes, obesity, depression and dementia. Fitness activities have also been shown to have a positive effect on the workings of our genes, the immune system, repair mechanisms and other bodily functions. Not only will fitness improve quality of life, but it can extend it too.

Scientists say that those who are 65 today can expect to live about 13 more years in good health – until age 78. But today’s active and fit 65-year-olds will (on average) gain an additional six years of disability-free life expectancy.

So let’s break a sweat, burn some calories and bust a move.

Let’s exercise like we want to live ‘til 99.

one can partake in classes like yoga, Zumba and water aerobics. These classes are a great way to meet new people, have fun and learn something new.

Four must-do types of exercise

Be sure to incorporate exercises that will improve endurance, strength, balance and flexibility.

Endurance exercises keep your heart, lungs and circulatory system healthy. Brisk walking, jogging, dancing, yard work, biking, swimming and tennis are all excellent ways to increase endurance.

The American Heart Association recommends adults get at least 150 minutes of moderate to vigorous activity

balance. Activities like ice skating, paddle-boarding, running in the shallow end of a pool and regular walking will increase lower body strength and help reduce the likelihood of a spill.

Flexibility exercises like yoga or Pilates will improve joint mobility and posture. Basic body stretches will also contribute to freedom of movement.

Stretching should only be done when the muscles are warm. Stretch just to the point of slight pain and hold for at least 10 seconds. Avoid sudden jerky movements which can result in tissue injury.

Set your fitness goals

Decide what kind of activities you are going to pursue to improve your endurance, strength, balance and flexibility. Create a diary and chart your progress.

Set goals for one month, six months and a year;

Note to readers: Start your fitness calendar now and if you make significant progress, drop me a line along with some before and after photos.

Email me at Terri@LifestylesAfter50.com by the end of August.

We may feature your story in a future edition.

No more excuses

We all have competing interests in our lives that can get in the way of staying in shape. But let’s face it. Is there anything more important than your health?

The first step is to set aside time to exercise. Start with a goal of 30 minutes per day. If you can’t manage that, three 10-minute segments will do.

Try to workout first thing in the morning before the days’ activities start piling up.

Strength in numbers

When it comes to hanging in there for the long run, there is strength in numbers.

A walking group or pickleball partner can help you stay motivated and accountable on days when you feel like playing hooky.

Many senior health care plans offer the free Silver Sneakers fitness program, where

per week. Start slowly and build up over time.

Remember, it’s important to set realistic goals based on your health, age and abilities.

Always get your health care professional’s approval before starting a new exercise routine.

Strength or resistance training builds muscles and healthy connective tissue, increases bone density, cuts the risk of injury, and helps ease arthritis pain – all which help us stay independent longer. Lift weights or use elastic bands or your own body weight to build strength.

Balance exercises help prevent falls, improve posture and increase confidence. Tai Chi and yoga are ideal practices to maintain and improve

write them down and monitor your improvement.

In just a few weeks, you may start to see and feel a difference.

Monitoring your caloric intake, eating a plantbased or Mediterranean diet, reaching your ideal weight, and engaging in life with family and friends will also contribute to disability-free longevity.

The advantages of exercise are many: selfconfidence, renewed energy, improved appearance, reduced stress, better-fitting clothes, more happiness and perhaps best of all, the satisfaction of knowing you are doing everything possible to stave off chronic illness and add quality years to your life.

Lifestyles After 50 • Lake/Marion/Sumter • January 2019 • page 5

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he Florida RV Trade Association (FRVTA) will host the 33nd Annual 2018 Florida RV SuperShow, Wednesday, January 17 through Sunday, January 21 at the Florida State Fairgrounds in Tampa, Florida.

The 2018 SuperShow will have representation from every major RV manufacturer as well as hundreds of accessory booths exhibitors. “We will have more Suppliers’ booths and every type, size and style of RV on the market,” said Marketing Director David Kelly.

“With the addition of new entertainment and more seminars, we’re anticipating record crowds this year.

We’re also renewing the 2-day pass, so the public will have two full days to see everything at the SuperShow at no additional cost.”

The theme of the 2018 Florida RV SuperShow is “Wherever You Roam, You’re Always at Home”. With hundreds of RVs on display and educational seminars, the SuperShow is the place to trade-in your old RV or get all the information you need to get acquainted with the RV lifestyle. And some of Florida’s finest campgrounds and resorts will have booth exhibits to show attendees the best camping opportunities found anywhere.

A favorite of all visitors to the SuperShow is the FREE entertainment. From clowns and unicycle riders to Barbershop Quartets and BagPipe Bands, the SuperShow has enough entertainment to keep everyone busy the entire day. And take advantage of the FREE shuttle service inside the SuperShow that will carry visitors from exhibit to exhibit.

Seminars are presented throughout the day at the SuperShow making it easy to attend the ones you want to see. National RV Writer Bob Marx host two seminars daily. “RVing 101-What You Will Need to Know” and “Full Time & Extended RV Travel”.

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More info @ www.frvta.org Lifestyles After 50 • Lake/Marion/Sumter • January 2019 • page 7

EALTHLiNE ❤

Mindfulness and weight loss Mindfulness training may improve the effectiveness of intensive weight management programs, according to a small study published in the Endocrine Society’s Journal of Clinical Endocrinology & Metabolism.

Individuals who participated in mindfulness training as part of an intensive weight management program lost more weight in six months than other program participants who did not attend mindfulness courses. The findings are the result of research from the University of Warwick and the Warwickshire Institute for the Study of Diabetes Endocrinology and Metabolism at University Hospitals Coventry and Warwickshire NHS Trust.

Mindfulness is a mind-body practice where individuals learn to achieve heightened awareness of their current state of mind. Practices of mindful eating include: eating when hungry and stopping when full, selecting nutritionally-dense foods, and eating slowly to savor each bite.

Obesity worldwide has nearly tripled since 1975, according to the World Health Organization. As of 2016, more than 1.9 billion adults worldwide met the criteria for overweight or obesity.

Drug cocktail could help diabetics Researchers at Mount Sinai have discovered a novel combination of two classes of drugs that induces the highest rate of proliferation ever observed in adult human beta cells—the cells in the pancreas that produce insulin. The result is an important step toward a diabetes treatment that restores the body’s ability to produce insulin.

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Lifestyles After 50 • Lake/Marion/Sumter • January 2019 • page 8

we are able to see rates of human cell beta cell replication that are sufficient to replenish beta cell mass in human beings,” said Andrew Stewart, MD, Director of the Mount Sinai Diabetes, Obesity, and Metabolism Institute and lead author of the study. “We have discovered a drug combination that makes beta cells regenerate at rates that are suitable for treatment. The next big hurdle is figuring out how to deliver them directly to the pancreas.”

According to Dr. Stewart, none of the diabetes drugs currently on the market can induce beta cell regeneration in people with diabetes. In parallel with the Mount Sinai work, other researchers are studying pancreatic transplantation, beta cell transplantation, and stem cell replacement of beta cells for people with diabetes, but none of these approaches is in widespread use.

Approximately 30 million people in the United States have diabetes and nearly 50 to 80 million more are living with prediabetes (also called “metabolic syndrome”). Diabetes occurs when there are not enough beta cells in the pancreas, or when those beta cells secrete too little insulin, the hormone required to keep blood sugar levels in the normal range. Diabetes can lead to major medical complications: heart attack, stroke, kidney failure, blindness, and limb amputation.

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Ringing in the New (and Old) Ear Tinnitus is more prevalent in those over age 55

By RANDAL C. HILL

O

ne day it happens. You know you hear a constant noise. It may be anything from a low buzz to a ringing or a whistle – even the sounds of chirping crickets. But wait. It’s winter and crickets shouldn’t be chirping.

If this describes you, you may be one of over 50 million Americans who suffers from tinnitus. (Of Latin origin, the word means “to ring or tinkle.”)

Almost everyone experiences the ring of tinnitus at some point in their life, but if it lasts more than six months, it is considered chronic.

This irritating adversary can affect your quality of life and may be responsible for fatigue, stress, sleep problems, concentration issues, memory problems, depression, anxiety and irritability.

Men and smokers have a higher risk for the condition. Fortunately, tinnitus usually isn’t a sign of something serious, but that doesn’t stop it from being annoying.

Tinnitus is often a symptom of an underlying condition. Some common tinnitus culprits include age-related hearing loss, earwax blockage, inner-ear nerve damage from exposure to loud noises, middle ear problems like tumors or infections, TMJ (temporomandibular joint dysfunction), and injuries to the brain’s hearing center. Stress, anxiety, depression and lack of sleep may also cause this sensory disturbance.

Sometimes the noise abates when you stop taking certain medications such as diuretics, cancer or quinine medications, antibiotics, antidepressants, aspirin, and other

nonsteroidal anti-inflammatory drugs.

In rare cases, a blood vessel disorder may be to blame, which could manifest itself through atherosclerosis (hardening of the arteries), high blood pressure, turbulent blood flow and malformed capillaries.

Tinnitus that accompanies hearing loss or dizziness could signal Meniere’s disease.

In many cases, the exact cause is never discovered. Nevertheless, it’s important to see a doctor and try to identify the cause, which may be treatable.

Some common-sense precautions may help prevent certain types of tinnitus: using hearing protection when around loud noises, turning down high-volume music, maintaining cardiovascular health through regular exercise, following a healthy diet, and treating any underlying depression, stress or sleep disorders.

It’s good to know that tinnitus often becomes less noticeable and more manageable in the long run. Most people who are diagnosed learn to ignore the sounds over time; some use devices to mask the hums. Other therapies are being evaluated through various clinical trials. No single approach seems to work for everyone, so you may need to experiment with various techniques before finding what works best for you.

For more information, visit the American Tinnitus Association at www.ata.org. If you want to participate in a research study, go to www.clincaltrials.gov and enter the search term “tinnitus.”

New device stops a cold New research shows you can stop a cold in its tracks if you take one simple step with a new device when you first feel a cold coming on.

Colds start when cold viruses get in your nose. Viruses multiply fast. If you don’t stop them early, they spread and cause misery.

But scientists have found a quick way to New research: Copper stops colds if used early. kill a virus. Touch it with copper. have stopped getting colds.

Researchers at labs and universities People often use CopperZap preagree, copper is “antimicrobial.” It ventively. Frequent flier Karen Gaukills microbes, such as viruses and ci used to get colds after crowded bacteria, just by touch. flights. Though skeptical, she tried That’s why ancient Greeks and it several times a day on travel days.

Egyptians used copper to purify water “Sixteen flights and not a sniffle!” she and heal wounds. They didn’t know exclaimed.

Businesswoman Rosaleen says about viruses and bacteria, but now when people are sick around her she we do.

Scientists say the high conduc- uses CopperZap morning and night. tance of copper disrupts the electrical “It saved me last holidays,” she said. balance in a microbe cell and destroys “The kids had colds going round and round, but not me.” the cell in seconds.

Some users say it also helps with Tests by the Environmental Protection Agency (EPA) show germs die sinuses. Attorney Donna Blight had a fast on copper. So some hospitals tried 2-day sinus headache. She tried Copcopper for touch surfaces like faucets perZap. “I am shocked!” she said. and doorknobs. This cut the spread “My head cleared, no more headache, of MRSA and other illnesses by over no more congestion.”

Some say copper stops nighttime half, and saved lives.

The strong scientific evidence gave stuffiness if used before bed. One man inventor Doug Cornell an idea. When said, “Best sleep I’ve had in years.”

Copper may even stop flu if used he felt a cold coming on he fashioned a smooth copper probe and rubbed it early and for several days. Lab technicians placed 25 million live flu virusgently in his nose for 60 seconds.

“It worked!” he exclaimed. “The es on a CopperZap. No viruses were cold went away completely.” It found alive soon after.

Copper even kills deadly germs worked again every time he felt a cold coming and he hasn’t had a cold since. that have become resistant to antibiHe asked relatives and friends to otics. If you are near sick people, a try it. They said it worked for them, moment of handling it may keep seritoo, so he patented CopperZap™ and ous infection away from you and your loved ones. It may even save a life. put it on the market.

The EPA says copper still works Soon hundreds of people had tried it and given feedback. Nearly 100% even when tarnished. It kills hundreds said the copper stops colds if used of different disease germs so it can within 3 hours after the first sign. prevent serious or even fatal illness.

CopperZap is made in the U.S. of Even up to 2 days, if they still get the pure copper. It has a 90-day full moncold it is milder and they feel better.

Users wrote things like, “It stopped ey back guarantee when used as dimy cold right away,” and “Is it sup- rected to stop a cold. It is $69.95. Get $10 off each CopperZap with code posed to work that fast?”

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Lifestyles After 50 • Lake/Marion/Sumter • January 2019 • page 10

hen we get a cut or scrape nowadays, we reach for a tube of Bacitracin, Neosporin or some other expired antibiotic ointment found in the medicine cabinet.

But when I was a kid, the goto cure-all for everything was Merthiolate or Mercurochrome.

Both topical antiseptics burned upon application, and the only cure for that hellfire pain was Mom’s comforting blows upon the skin – at least until I got a little older and found that my own blows could be equally as soothing.

Now I’m sure my mother, like all of the other mothers, had the best of intentions.

It was the 1950s after all and the dawn of modern medicine. But it would take another 40 years before the good old FDA banned and stopped the sale of both products.

Evidently, they were worried about the poisonous ingredients found in them: Thiomersal and Merbromin, both which contain mercury. The FDA says mercury in these tinctures could be harmful to humans if left on the skin for extended periods or if ingested.

Extended periods?!? Really?!?

Getting painted with Mercurochrome or Merthiolate was the ulti-

mate status symbol of our youth. It was our warpaint; our first tattoo. Our burning, stinging badge of courage.

Of course, we would leave it for as long as possible and continue reapplying it until the scar had disappeared completely – likely a month or two, or three, later.

I played football in my freshman year of high school, and whenever I got a cut or scratch, rather than hiding them beneath a BandAid, I would put a good slathering of the reddishbrown stuff on my wounds and when classmates (mainly girls) would ask about them, I would nonchalantly reply “football.”

It was my way of letting them know I was a macho jock. (In their minds, probably, a mucho jerk.)

For the past several years on Veterans Day, we’ve been getting our complimentary meal at Golden Corral where servings of steak rival many upscale restaurants. I was fantasizing recently, that if Merthiolate were still available, I could swab it on any scars, cuts or scratches before entering the restaurant. Our usual server would ask, “What happened to your arms, Mike?”

I would smile and say in my casual manner, “Vietnam.”

Michael Wright plans on looking into the VA soon about having his left cornea replaced. As an organ donor, he couldn’t live with the guilt if he donated a bad eye.

You can wish him success at micwrighthamo@gmail.com

Financial Fitness

Is Your Investment Portfolio Making You Sick?

By DAVID NOVAK

W

hen you exercise, eat healthy, watch your weight, and get age-appropriate screening and vaccinations, your body is in a much better position to bounce back from whatever virus, accident or injury may come along.

Similarly, focusing on your financial fitness can help build immunities to fight whatever monetary ailments may come along – such as the tumultuous stock market that we are seeing now. This volatility can make one feeling panicky, anxious and even a little queasy. But there is a remedy.

Here are the things I recommend to achieve financial strength and health.

Review your budget That’s right, I actually uttered the b-word. It never ceases to amaze me how many folks—on all ends of the income spectrum—fail to put together even a basic budget. I can’t tell you how many clients have asked, even mockingly, “Surely you don’t need to do a budget, right?”

Sorry to burst your bubble, but even a Certified Financial Planner™ does a monthly budget. While you don’t have to be down to the penny in every category, once you start to track and write down what you’re spending, you’ll most likely be surprised at where the money is actually going.

Something that has worked for our family is to build in a goals-based component, usually around travel or some other milestone we want to achieve. If you’re looking to take that ski vacation next year, it will be a lot easier if you start putting money away regularly now.

Review your distribution/contribution rate If you are still working, how much are you contributing to your 401(k)? Most employers will offer to match contributions dollar-for-dollar up to a certain amount, such as 3% of your income. Taking advantage of this matching amount is a no-brainer; it is essentially equivalent to a 100% investment return. You’d be surprised how many people don’t take advantage of this “free” money.

If you are retired, then you are likely in the distribution phase from your investment portfolio. Are you taking money out at a sustainable rate that will not eventually deplete your investments? You may have been planning on living off the income generated by the portfolio, but the persistently low interest rate environment we have been in may have thrown a wrench into this strategy.

Furthermore, when calculating the annual withdrawal rate, make sure to include not only the money that comes out regularly each month, but also the lump sum distributions. When accounting for these “one-time” withdrawals, you may find out that your true distribution rate is unsustainable over the long term.

Review your asset allocation You have probably heard the advice to rebalance your portfolio on a regular basis, but are you really doing it? If so, how often?

Studies have consistently shown over decades that left to their own devices, most investors will not only neglect to properly rebalance their portfolio, but will actually do the opposite—they will buy more of what has recently done well.

The whole point of rebalancing is to “buy low and sell high,” a very easy concept to grasp on paper, but very difficult to implement, especially in times of heightened market volatility.

Also, this should present a good opportunity to evaluate the appropriateness of your long-term asset allocation target. It’s been very easy the last few years to convince oneself to have a portfolio heavy in stocks, because they have done so well.

Conversely, it could also be tempting to be a prisoner of the moment and abandon stocks at this time of turbulence. Think about not only what your long-term asset allocation target is, but more importantly what caused you to establish that target.

Review your debt We’ve all heard of the concept of “good” and “bad” debt. Debt related to your primary residence, such as a mortgage or home equity loan, is usually considered to be the best form of borrowing, while high-cost debt, such as those on credit cards, is widely deemed the worst.

If you are carrying credit card debt, get rid of it immediately. Most credit cards carry annual interest rates of around 30%, an almost impossible rate of return to count on earning with any of your investments.

In terms of your mortgage, it wouldn’t be a bad idea to shop your rate. While interest rates are no longer at their lowest levels, they’re still lower than historical averages. Often the financial institution that holds your current mortgage will allow you to refinance the rate lower, if possible, without incurring closing costs.

Don’t neglect your financial health as we get ready to turn the calendar to 2019.

David Novak, CFP® is a Certified Financial Planner™ at Novak & Powell Financial Services in Pinellas County.

Please note: he is not an attorney and this article should not be construed as one offering legal advice.

For information about investment decisions and financial planning, contact him at (727) 451-3440.

Lifestyles After 50 • Lake/Marion/Sumter • January 2019 • page 11

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Power Puzzle Reader Contest #5119 CROSSWORD PUZZLE

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57. Until et ready for February and the Month of Love by sending 59. Social get-togethers us a fun, short story essay about the most memorable date 60. In the past 62. House divs. you’ve ever had – the one with unexpected consequences.

Your Most Memorable Date

Enter To Win!

Last Month’s Winner is Martha Trowell, Bushnell

CongraTuLaTions!

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#5119

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Was it a promising night that turned into a disaster? A blind date that led to a long-term relationship? A double date to a drive-in with your ex and his new love in the backset? (That happened to me. Twice.)

22 Perhaps you were ditched half way through the night. Or maybe he was a no-show and you went on to do something much better.

(Yep. Been there too.) Spill all the gory or intriguing details in 30 31 a succinct 200-words-or-less essay and we may publish it in our upcoming February issue. First-, second- and third-place winners will receive two tickets to their choice of our entertainment offerings.

Entries will be judged on entertainment value, creativity, and how much they make us laugh or cry.

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hat w re’s need e H ou y o do: t

Email your name, address, phone number and entry to Terri@LifestylesAfter50.com on or before January 15th. Please note we retain the right to edit submissions for length, clarity, grammar, etc. Usually our volume of emails for our February contest is high, so forgive us if we can’t respond. If you are a winner, we will be in touch.

So put on your thinking caps and let’s get after it!

Terri Bryce Reeves Terri Bryce Reeves, Editor

Think Vegetarian for Good Health

Recipe

By JENNA LEE REEVES

Courtesy of Fresh from Florida

C

onsider switching to a plant-based diet for the New Year. Research has shown such diets can help to prevent – and may even reverse -- chronic diseases like type 2 diabetes, heart disease (America’s number one killer), obesity, and autoimmune conditions.

Not only that, plant-based diets help the planet by reducing emissions, slowing deforestation, and preserving animal habitat. One study showed that 20 servings of vegetables produce fewer greenhouse gas emissions (involved in food production) than one serving of beef.

Vegetarian diets are budget-friendly too.

With that in mind, here’s a nutritional and tasty vegetarian dish adapted from Fresh From Florida to help you launch a planet- and human-healthy start in 2019. Always strive to buy local – or better yet – grow your own veggies.

Florida Roasted Vegetable Ratatouille Ingredients: 1 eggplant, large, diced 1 zucchini, large, diced 1 yellow squash, large diced 1 pint cherry tomatoes 3 cloves, minced 4-6 basil leaves, chopped 3 Tbsp. olive oil Sea salt & fresh ground pepper or your favorite seasoning mix

Directions: Preheat oven to 425 degrees. Prep all ingredients as stated. In a baking pan, add the cherry tomatoes, one tablespoon olive oil, salt and pepper or seasoning mix. Mix to coat and set aside.

In a separate baking pan, add all the remaining ingredients, 1-2 tablespoons of olive oil, and salt and pepper (or seasoning mix). Do not add the basil at this point. Place both pans in the oven for about 15 minutes, or until desired tenderness.

Remove the pans and combine ingredients into one bowl.

Add chopped basil leaves. Serve over brown rice or quinoa.

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Lifestyles After 50 • Lake/Marion/Sumter • January 2019 • page 13

Seniors Getting Together WomEn SEEKinG mEn 4875 - SWEET HonEST WomAn. iSo nice handsome man for loving/fun relationship.

Reply with name and phone number. Will exchange with same. Must be 55+, stable and kind with a good sense of humor, and loves music and art. SW Florida.

4793 - LooKinG FoR A mATE. I am 68, widow, W, LTR, NS, ND. I am a country girl, likes country music, slow dancing, gospel, folk, music of the 50s and 60s, eat out, wild life, travel, artwork, exercises, 68-73. Please write, send pictures.

Duette.

4798 - SinCERE, WARm, LovinG WomAn. SWF, Tall, healthy, athletic. Likes dancing, social life, travel. Slender, natural red head with outgoing personality. Holiday Travel Resort, Leesburg 4745 - W, W, F. Like to meet affectionate, honest, caring, loving gentleman, 65-85, non-smoker, social drinker, long term relationship. Love country music, dancing, dining out, fun times.

Life to short. Will answer all. Fruitland Park.

4119 SEEKinG HonEST GEnTLEmAn. Former airline stewardess and model, 5’4”, 104 lbs., slender, white with Ph.D. in healthcare.

Fulbright scholar, eats healthy and exercises.

Likes sports and animals. WW. Loves the Lord.

Florida.

4721 - WWF SoCiAL bUTTERFLy. 5’4”, slender, very active life, NS, loving, caring, attractive, witty, classy “Southern Bell”. Looking for WM, sincere, caring & witty who is professional and self sufficient.

4773 - SWF, LEESbURG AREA SEnioR CiTiZEn. Someone who awaits a special gentleman for friendship and companionship. He is a retired non-smoker with Christian values. I am retired with brown eyes, 5’ 5 1/2” in height. Lady who enjoys short trips, boating and most of the good things in life and finer living.

mEn SEEKinG WomEn 4848 - vERy EASy GoinG mAn. 75 yrs. old, kind, quiet, giving, laid back, loves cooking, Nascar, yard sales, fishing. Pro body man, painter, loves old cars, custom painting. Would love to find a 65-80 yr. old slender, lady to share rest of our lives together. Leesburg 4821 - my nAmE iS nATHAnEL. i’m CUDDLy, like to watch TV, have long conversations, go to movies. I love to spend quiet evenings at home.

I’m interested in ladies age 50 to 75, residing in Tavares, Leesburg, Mt. Dora areas.

4788 - SWm SEEKS GoLFinG FEmALE. SWM, R, NS, SD, SOH, NDrg, 65, 5’10”, 195 lbs, sincere, gentle, honest atheist ISO reasonably slender,

fun, witty, still sexually active female, 50+ who loves golf, playing cards, joking around, watching movies and socializing with friends and time on patio or in hot tub with a glass of wine.

Ocala 4772 - SECURE HonEST GEnTLEmAn. SWm looking for tall, healthy gal, that likes dancing, social life, friends, travel and just being a good partner, to enjoy our remaining years together.

Silver Springs area.

4759 - WE nEED To mEET before the holidays go by. I have a lifetime of education, met the finest people in the world but not you! Time we got together. Ocala, Fl 4732 - SECURE SWm. Seeks cute SF who is seeking to share life/home. I’M 5’7”, 150#, wanting affectionate, romantic, easy going, NS, fun partner. Life is short. Don’t be alone. All answered with photo and phone.

4733 - SECURE SWm. Seeks cute SF who is seeking to share life/home. I’m 5’7”, 150#, wanting affectionate, romantic, easy going, NS fun partner. Life is short. Don’t be alone. All answered with photo and phone.

4719 - SWm, 58. Looking for companionship. Looks are not important. Sincerity is.

Slightly disabled. I smoke but I do not do drugs. Bushnell

To PLACE An AD: Send your ad, stating what edition(s) you would like it placed in, along with a $6 fee for 30 words (25¢ for each additional word, abbreviations not charged) to the News Connection USA, Inc. address listed below. Ads received by the 15th of the month will appear in the following issue.

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 # 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 Seniors Getting Together P.O. Box 638, Seffner, FL 33583 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, SOH-Sense Of Humor, SM-Smokes, S-Light Smoker, NSNon 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.

Seniors Getting Together

Personal Ad Placement only $6 per month!

Deadline for ads is the 15th of the month prior to placement.

MArk The edITIOn(s) YOu WOuLd LIke TO run YOur Ad In: ❍ Tampa Bay & Suncoast (Hillsborough/Pinellas/Pasco) ❍ Lake/Marion/Sumter ❍ Southwest & Sarasota (Lee, Charlotte/Manatee)

Ad Copy ••• PLeAse PrInT neATLY ••• 30 Word Limit TITLE:

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If more room is needed, please use separate sheet. Mail this form along with $6 for each ad per month (add $4 for each additional edition/market in the same month).

We cannot accept your ad without it. This information is confidential.

Name: Address: City: Phone:

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MAIL TO: ATTN. / SENIORS GETTING TOGETHER NEWS CONNECTION, USA, INC. • PO BOX 638, SEFFNER, FL 33583 Lifestyles After 50 • Lake/Marion/Sumter • January 2019 • page 14

Social Security News Medicare & Social Security Cheat Sheet

S

ocial Security and Medicare offer related services, and people aren’t always certain who does what. This “cheat sheet” can help.

Contact Social Security to: See if you’re eligible for Medicare. Create a my Social Security account to request a replacement Medicare card or report a change of information. Sign up for Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance).

Apply for Extra Help with Medicare prescription drug coverage (Part D) costs. Report a death. Appeal an Income-Related Monthly Adjustment Amount (IRMAA) decision.

Find information on how to do all of this and more at socialsecurity.gov and socialsecurity.gov/benefits/medicare.

Contact Medicare to: See what services Medicare covers. Get detailed information and choose and enroll in Medicare health and prescription drug plans. Find a Medicare Supplement Insurance (Medigap) policy. Locate doctors, health care providers, and suppliers who participate in Medicare.

Get information and forms for filing a Medicare appeal or for letting someone speak with Medicare on your behalf. Compare the quality of care provided by plans, nursing homes, hospitals, home health agencies and dialysis facilities.

View Medicare publications.

Visit medicare.gov for these services.

Sudoku #294

SUDOKU

Last Month’s Answers Sudoku requires no Sudoku arithmetic skills.

December Gilbert Huizinga, Bradenton

Each row of 9 numbers must include all digits 1 through 9 in any order.Go od od column of 9 numbers must include GoEach Luck! !

Luck all digits 1 through 9 in any order.

Prizes!

EachWin 3 by 3Great subsection of the 9 by 9 New winner selected each month square must include all digits 1 through 9.

ConGratuLations!

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TriviaPalooza!

Play & WIN!

QuestIoN: WhAt yeAr Is NeW yeAr’s DAy ceLebrAteD oN JANuAry 1 for the fIrst tIme IN hIstory As the JuLIAN cALeNDAr tAkes effect.

ANsWer:____________________________________________

Answer This Trivia Question To WIN a Prize!

Play each week to be entered in a drawing to win a prize each month!

Deadline for entries: January 20th

Name Address City

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Mail to: Lifestyles After 50, P.O. Box 638, Seffner, FL, 33583

Clare H. Sanchez, Tampa was our last months winner!

Last month’s answer: Clarence or Clarence Odbody.

The more you play the better chance you have to win!

Go to LifestylesAfter50.com and click on the Trivia Palooza icon to play each week.

# 295

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Last Month’s Winner is RobeRt DoeLLing, SaRaSota

CongRatuLationS!

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# 294

Solution #294

14. Prague

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January Word WORD SEARCH Search

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Send your answers along with your name, address, email and telephone number to: LIFESTYLES AFTER 50 P.O. BOX 638, SEFFNER, FL 33583

Good Luck!

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The first correct answers selected from the drawing on the 20th of the month will win.

WIN! WIN! WIN! GREAT PRIZES!

MYSTERY PRIzE!

(Puzzles must be received by the 20th of the month)

Lifestyles After 50 • Lake/Marion/Sumter • January 2019 • page 15

PAID ADVERTISEMENT

W

RAO’s Dynamic Duo of Women’s Imaging

hat’s missing at most women’s imaging centers?

Women doctors, who provide a personal and compassionate approach to women’s diagnostic care.

That’s why RAO is proud to introduce Dr. Amanda Aulls, Diagnostic Radiologist, subspecialist in breast imaging and Medical Director of Women’s Imaging at RAO, and Dr. Janet TerLouw, Diagnostic Radiologist and subspecialist in breast imaging.

In addition to their extensive medical and diagnostic training, Dr. Aulls and Dr. TerLouw possess a firsthand understanding of the experience and importance of women’s diagnostic tools like 3D mammography™, stereotactic biopsy, pelvic imaging and other lifesaving tests.

“I’m gratified to be part of the region’s first and only comprehensive, full-service women’s imaging practice,” says Dr. TerLouw. “Women overseeing women’s healthcare is an important factor here at RAO. After all, it’s one thing to oversee a mammogram and another to have actually experienced it. Quite simply, it enhances our service to patients.”

“As the Medical Director for Women’s Imaging, I make certain that all care delivered in our centers is of the highest quality, delivered with empathy and respect. All imaging performed in our centers are

analyzed on site by our Board Certified subspecialty trained radiologists with the utmost attention to accuracy,” says Dr. Aulls. But these superheroes aren’t alone in their quest for superior service – every doctor on the Women’s Imaging team subspecializes in one or more women’s imaging services, and every technologist has undergone extensive training in safety, accuracy and patient comfort.

In addition to specialized training, RAO also employs advanced technologies like the 3D mammography™, which produces images of breast tissue from different angles for up to 40% better discovery of invasive breast cancer, with far fewer false positives and resulting supplementary exams. It is especially useful when imaging dense breast tissue, whose layers can both conceal cancer and produce artifacts mistaken for cancer. “That’s added anxiety no woman needs,” says Dr. TerLouw.

“We are the only local diagnostic center that delivers every women’s imaging service, as well as the most advanced equipment and technologies, like 3D mammography™, stereotactic breast biopsy, breast MRI, breast ultrasound, pelvic ultrasound and DEXA bone density, all in one state-of-the-art center,” says Dr. Aulls. “We take every step to make testing as

reliable, quick and easy as possible.”

Also of note, the Women’s Imaging Center and TimberRidge Imaging Center maintain ongoing accreditation from the American College of Radiology for safety and accuracy, making them one of the few regional women’s diagnostic practices to be designated a Breast Imaging Center of Excellence by the American College of Radiology.

Dr. Aulls

Dr. TerLouw For truly heroic women’s imaging services, call RAO’s Women’s Imaging Center at 352-671-4300 to schedule your routine screening 3D mammogram. www.raocala.com

MAGNETIC RESONANCE IMAGING

ADVANCED TECHNOLOGY THAT SEES THROUGH ARTIFACT, SHADOW AND CLUTTER Let’s say you have joint pain. Is it bursitis, arthritis or something else? To discover the right diagnosis and treatment, your orthopedist needs the clearest, most informative diagnostic images available.

And, as a patient, you want to be treated with kindness and respect.

RAO offers the industry’s most advanced high-field and open MRI, a caring, attentive staff, and Board Certified radiologists dedicated to providing the right diagnosis directly to your clinician. The quality of our care is something you can see—and feel—in everything we do.

ACR Accredited - Magnetic Resonance Imaging

Board Certified, Fellowship-Trained Radiologists

#DetectionSpecialists

Board Certified Musculoskeletal Radiologists (left to right): John D. Boon, IV, MD; Edson G. Cortes, MD; Ryan K. Tompkins, MD; Brian P. Cartwright, MD

Marion County’s only full-service imaging center, providing a full circle of care - centered on you.

(352) 671-4300 • RAOcala.com We are proudly contracted with a variety of insurances and file all claims with the exception of non-contracted HMO's. Please visit our website for a detailed list of who we are contracted with. Contracted insurances are subject to change.

MEDICAL IMAGING CENTER MEDICAL IMAGING CENTER AT WINDSOR OAKS TIMBERRIDGE IMAGING CENTER