Lifestyles After 50 Southwest/Lee/Charlotte Edition, January 2020

SouthweSt ~ January 2020

Florida’s Most Read 50+ Publication Since 1989

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Happy New Year!

At 84, Dr. Sylvia Earle is still diving, researching, trotting the globe and igniting a world effort to

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Getting A Dose of Iron

chair. But everything changed when I began experiencing such fierce pain from Are you ready to get in shape? shoulder tendonitis that I nearly gnawed For the past three years, as editor of this off my arm off at the joint. magazine, I’ve written about a variety of During a subsequent visit to the studies that boast the benefit of exercise: orthopedics office, my doctor read a a trimmer, shapelier physique (oh yeah!), crystal ball (a.k.a. an x-ray) and told me improved strength that a total shoulder and functionality, replacement is likely “It has been an honor and and – perhaps most in my future. privilege (and much fun) importantly – staving Now, I have joined off age-related to serve as editor of this the minority of disability and thus Americans who take publication. I wish you all the dreaded nursing their health seriousthe health, happiness, and home. ly—I have joined a prosperity in this Those all sound like gym. new year! “ such worthy goals, I I am currently said to myself as I sat working with a per~ Terri Bryce Reeves for seemingly endless sonal trainer and ushours in my editor’s ing light weights

Happy New Year!

“

with more repetitions to build up my shoulder, neck and back muscles. My shoulder will be in great shape when the doctor saws it all apart.

And that’s the point.

According to my physician, strengthening the rotator cuff muscles through physical therapy before surgery can improve healing and shorten the recovery period. Maybe there is a teensyweensy chance I could have a lessinvasive arthroscopic procedure too.

Research studies across the country have shown there are many other benefits to strength training, including improved brain health to stave off dementia, depression and anxiety.

Working out can also help to lower your risk for Type 2 diabetes as well as the risk of developing metabolic syndrome (a cluster of conditions that increase the risk of heart disease, stroke and elevated blood sugar.)

Other benefits of strength-training include better joint mobility and less arthritis pain; greater bone density and reduced risk for osteoporosis and related fractures.

Add to that the benefits of weight loss, improved self-confidence, sleep and vitality. Adults who are in good physical shape are less likely to fall too.

So with my need for surgery, comes a goodbye. I need to take a considerable amount of time off, so this will be my last editorial for Lifestyles After 50. I will miss my co-workers, writers and naturally, you our readers.

It has been an honor and privilege (and much fun) to serve as editor of this publication. I wish you all the health, happiness, and prosperity in this new year!

Terri Bryce Reeves Terri Bryce Reeves, Editor

Tomorrow is the first blank page of a 365-page book. Write a good one. ~Brad Paisley

”

Cover photo of Dr. Sylvia Earle by Kip Evans/Mission Blue

Southwest Edition Published monthly by Lifestyles After 50 Volume 31, Issue 1 Publisher Debbie Hansen Debbie.Hansen@lifestylesafter50.com Editor Terri Bryce Reeves Terri.Reeves@lifestylesafter50.com Website Editor Allie Shaw Allie.Shaw@lifestylesafter50.com Distribution Nancy Spencer Nancy.Spencer@lifestylesafter50.com Questions/Customer Service 813-336-8247 Press Releases Editor@lifestylesafter50.com Advertising Sales Karen Lyons: 941-505-0101 deadlinelady@comcast.net Jeanne Kane: 239-207-7045 Jeanne.Kane@lifestylesafter50.com Event Sales Beverly Hastings 813-336-8247 Beverly.Hastings@lifestylesafter50.comm __________________________________

Our other editions:

Tampa Bay Edition: Hillsborough/East Pasco Suncoast Edition: Pinellas/West Pasco Sarasota Edition: Sarasota/Manatee Southwest Edition: Lee/Charlotte Naples: Collier

To learn more, call 813-336-8247

Lifestyles After 50 P.O. Box 638 Seffner, Florida 33583-0638 Fax: (813) 331-2634 www.lifestylesafter50.com

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 • Southwest • January 2020 • page 3

local events around town • JanuarY 2020 Event: Date: Time: Cost:

Bonita Springs National Art Festival Jan 11 & 12 10 a.m.

FREE Admission

Place: Riverside Park Address: 10450 Reynolds St. Bonita Springs, 34135 Phone: 239- 992-2556 Website: artcenterbonita.org/ Event: Date: Time: Cost:

Bayside Estates Mens Club Pancake Breakfast Jan 12 8 - 11 a.m. $5

Place: Bayside Estates Rec Hall Address: 17601 San Carlos Blvd.

Ft Myers Beach, 33931 Phone: 239-466-6322 Website: fortmyersbeachtalk.com/

Medical Breakthroughs & Discoveries Date: Jan 14 & 21 Time: 10 a.m. & 7 p.m.

Cost: FREE open to the public Place: Village Church Auditorium on The Island at Shell Point Address: 15100 Shell Point Blvd., Fort Myers, 33908 Phone: 800-780-1131 Website: www.shellpoint.org

Event: Fest Date: Time: Cost:

Event: Date: Time: Cost:

Event: Fest Date: Time: Cost:

Event:

5th Annual Bacon Jam Jan 18 11 a.m. - 6 p.m.

FREE Admission

Place: Centennial Park Address: 2000 W First St. Fort Myers, 33917 Phone: 239-321-7524 Website: .facebook.com/events

Lifestyles After 50 Fun Jan 22 9 a.m. - 1 p.m.

FREE

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

Zephyrhills, 33541 Phone: 813-336-8247 Website: lifestylesafter50.com Lifestyles After 50 Fun Jan 23 9 a.m. - 1 p.m.

FREE

Place: Lutz Senior Center Address: 112 First Ave. N.W. Lutz, 33548 Phone: 813-336-8247 Website: lifestylesafter50.com

Caloosahatchee Celtic Festival Date: Jan 24 Time: 5 - 8 p.m.

Cost: $80/$50 Place: Centennial Park, Address: 2000 W First St. Ft. Myers, 33901 Phone: 941-625-8544 Website: www.facebook.com/ CaloosahatcheeCeltic

Event:

Event:

Event:

Event:

ClamJam Seafood & Music Festival Date: Jan 25 & 26 Time: 10 a.m. - 5 p.m.

Cost: $10 Place: German-American Social Club Address: 2101 Pine Island Rd. Cape Coral, 33991 Phone: 239-283-1400 Website: www.clamjamswfl.com

Date: Time: Cost:

Bonita Springs Concert Band Performance Jan 26 2 p.m.

FREE

Place: Riverside Park Address: 10451 Old 41 Rd. Bonita Springs, 34135 Phone: 239- 992-2556 Website: cityofbonitasprings.org/

Date: Time: Cost:

The Elephant #4 A storytelling showcase Jan 29 7 - 9 p.m. $20/$15

Place: Alliance for the Arts Address: 10091 McGregor Blvd.

Fort Myers, 33919 Phone: 239- 939-2787 Website: Please Call

send Your event news to Info@lIfestYlesafter50.com bY the 15th of each month for publIcatIon In the followIng month's Issue.

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The Florida RV Trade Association (FRVTA) hosts the 35th Annual 2020 Florida RV SuperShow, Wednesday, January 15 through Sunday, January 19. The Florida RV SuperShow will again be held at the Florida State Fairgrounds in Tampa.

T

he 2020 SuperShow will have representation from every major RV Manufacturer as well as hundreds of accessory booth exhibitors. “We will have more Supplier booths and every type, size and style of RV on the market,” detailed Marketing Director David Kelly.

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

The interest in outdoor recreation is at an all-time high and the phrase relates to the fact that you can bring your hunting gear, fishing equipment, bikes and anything else you have room for.

With hundreds of RVs on display and educational seminars, the SuperShow is the place to trade-in your old RV or obtain 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 and a huge display of camping accessories and Lifestyles After 50 • Southwest • January 2020 • page 4

supplies at the Camping World Store and other booths.

A favorite of all visitors to the SuperShow is the FREE entertainment. From clowns and unicycle riders to Barbershop Quartets and Bag Pipe Bands.

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. National RV Writer Bob Marx hosts two seminars daily. “RVing 101-What You Will Need to Know” and “Full Time & Extended RV Travel”.

Additional seminars include Nomadic Living, Weight and Tire Issues, Generator Maintenance and Guided RV Tours.

The Super Rally celebrates its 33rd year at the SuperShow. This RV rally is open to any and all RV clubs as well as the general public. The Rally offers a number of amenities including FREE admission to the SuperShow all five public days, meeting

facilities for your club, FREE coffee and donuts every morning and seminars. Three nights of entertainment and refreshments are also included and will feature “The Rivoli Revue” music by Kay and Ron Rivoli, a wonderful night of family entertainment by The Malt Shoppe Memories and Kenny Evans, a talented national artist.

Admission to the SuperShow is only $12.00 for adults and that includes a second day admission for the cost of one day with children under 16 FREE. SuperShow hours are Wednesday – Saturday 9am – 6pm and Sunday 9am – 5pm. Wednesday is Senior Citizens Day with seniors receiving $2.00 off the cost of admission (not valid with other discounts).

For more information on the 2020 Florida RV SuperShow, contact the Florida RV Trade Association at 10510 Gibsonton Drive, Riverview, Florida 33578, call (813) 741-0488 or visit our website at www.frvta.org.

Dr. Sylvia Earle’s Mission Possible Florida’s Gulf Coast recently designated a marine protected area

By JAN LARRAINE COX

Photos by Kip Evans/Mission Blue

O

ur oceans are warming and sea levels are rising. Their waters are polluted with microplastics and becoming more acidic due to increasing CO2 levels. Coral reefs are dying, and many species of commercially exploited fish are in steep decline. Hundreds of coastal “dead zones” now exist.

The underwater ecosystem is faltering, and ominously, that system provides more than half the oxygen we need to breathe.

But there is reason for hope.

The world’s foremost oceanographer, Dunedin resident Dr. Sylvia Earle, has spent her entire career looking out after the oceans, and at 84, she’s not about to stop.

,” Sometimes affectionally called “Her Deepness Dr. Sylvia Earle explores the oceans in the Deep See submarine.

Dr. Sylvia Earle, 84, of Dunedin, is leading a worldwide effort to save the oceans through the organization she founded, Mission Blue. Here she surveys plastic pollution off of Cocos Island in the Pacific.

“If you like to breathe, you will care about the ocean.” ~ Dr. Sylvia Earle

Instead she’s trotting the globe, igniting a worldwide effort to spare the fragile but vital ecosystems that live beneath the sea.

“The ocean is dying. Many may not realize how much trouble we’re in,” she says. “Now, as never before, and maybe as never again, there is a chance to protect the natural systems that keep us alive.

“If you like to breathe, you will care about the ocean.”

As she explains, more than half the oxygen in the atmosphere is generated by microscopic marine life that takes up carbon dioxide and water and creates oxygen and sugar.

“That, in turn, drives great ocean food webs and eventually the chemistry of the biosphere,” she says.

In 2009, Earle founded the nonprofit

organization Mission Blue to shield the ocean from further destruction by designating a global network of Hope Spots.

“Hope Spots are special places that are critical to the health of the ocean, Earth’s blue heart,” says Earle. Today there are 130 of these Hope Spots, and Earle and her organization are working urgently to add more.

In August, most of Florida’s Gulf Coast—from Apalachicola Bay on Florida’s northwest coast to Ten Thousand Islands in southwest Florida—was the most recent region to be designated a Hope Spot by Mission Blue.

The northern boundary of the Gulf Coast Hope Spot is home to oyster habitats that require protection and restoration. The southern part recently sustained significant damage from red tide and contaminated water that flowed from Lake Okeechobee. In this

Hope Spot, dozens of organizations are working hard to preserve the ecosystem.

The Gulf Coast’s participation as a new Hope Spot is a significant step toward Mission Blue’s goal of protecting 30% of our ocean water by 2030.

Hope Spots are selected based on characteristics such as diversity of species, habitats, or ecosystems; populations of rare or endangered species; innate potential to have damages reversed or sites with economic importance to the community.

“Hope Spots are about recognizing, empowering, and supporting individuals and communities around the world in their efforts to protect the ocean,” Earle says. *** An expert on ocean health, Earle is the master of her own. The octogenarian works about 300 days a year, giving

talks, leading expeditions, and influencing policymakers. And, she still manages to fit in plenty of dive time.

Mother of three and grandmother to four grandsons, Earle reports there’s no real secret to her vitality, except as she puts it: “good genes and staying active.

Dive! Dive! Dive!”

All of her family members are passionate about the ocean. Earle says their favorite kinds of fish are “live fish of all kinds.”

Raised in the central Gulf Coast town of Dunedin from age 12, Earle became enchanted with the underwater kingdom through her passion for beachcombing and diving.

She has seen her playground transition from a place bursting with marshes, mangroves and sea life to one inhabited by marinas, industrial sites and housing developments.

Having earned a Ph.D. in 1966 from Duke University in the field of Phycology (the study of algae), Earle has launched a myriad of marine environmental projects. She has served as the U.S. National Oceanic and Atmospheric Administration’s (NOAA’s) first female Chief Scientist, where she broke the story of the 90% extinction of bluefin tuna.

Since 1998, she has been a National Geographic Explorer-in-Residence.

From 1998-2002, she led the Sustainable Seas Expeditions, a five-year program sponsored by the National Geographic Society, to study the U.S. National Marine Sanctuary, a special zone where the environment enjoys special protection.

Earle has authored over 150 publications.

She concludes with a clarion call: “Ocean life drives the water cycle, climate, and weather; it stabilizes temperature, holds the planet steady. We must take care of the ocean as if our lives depend on it because they do.”

For more information: read Blue Hope, a book by Dr. Sylvia A. Earle; see the critically acclaimed Netflix documentary, Mission Blue; or visit mission-blue.org.

Contact Jan Larraine Cox at jlarraine@gmail.com.

Lifestyles After 50 • Southwest • January 2020 • page 5

‘No Stopping Us Now: The Adventures of Older Women in American History ’

book Review

by KATHY MEGYERI

I

n this lively survey about the history of American women, celebrated New York Times columnist Gail Collins highlights their roles and achievements through the lens of aging.

The book begins in 1620 Plymouth Rock when any woman was considered marriageable if “civil and under 50.” Anyone older than 19 was thought of as past her prime. Spinsterhood was frowned upon, and male doctors thought sex was fatal for women over 50.

But we’ve come a long way, baby.

As Collins explains in her optimistic tone, today’s women have a choice in handling their own aging—they can embrace it, deny it, or defer it.

“We baby boomers, because our numbers are growing, now control the definition of what older means. For the last 40 years, we’ve affected morality, tastes, and spending habits.”

She continues, “We’re teaching ourselves how to get old in the best way possible.”

The book is well-researched and divided into chapters according to decades. Through the use of Collins’ signature humor, it recounts the social history of older women over the last 389 years.

As she writes in her introduction, “We’ve expanded our vision of what women can do at any age—Ruth Bader Ginsburg working

By Gail Collins Little Brown and Co., 2019, 422 pages

out with her personal trainer at 86 before a day at the Supreme Court sounds perfectly reasonable, not to mention deeply desirable. But that doesn’t mean our prejudice against growing older has been erased. If it had, the 7,000 or so cosmetic surgeons in America would be way underemployed.”

Collins shares plenty of interesting tidbits about American beauty and fashion. For instance, women who had money would layer bacon on their faces to prevent wrinkles. The 1920’s flapper dress was revolutionary because the material used in women’s dresses dropped from 19 1/4 yards to 7 yards.

And thank goodness for World War II when rubber was needed for the war effort—those tortuous corsets were harder to buy.

Best of all, Collins profiles some of America’s older and more colorful heroines such as Sojourner Truth, who answered a heckler by baring her breasts, telling them she “had suckled many a white babe to the exclusion” of her own offspring. And who can forget N.J. Congresswomen Millicent Fenwick, grandmother of eight who smoked a pipe, served for eight years after being elected at 64, and had the voice of Katherine Hepburn?

Collins’ words of wisdom? “You’re not done until you see yourself as done. Getting older is an adventure like everything else in life: You’ve got to grab it and run with it.”

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Lifestyles After 50 • Southwest • January 2020 • page 6

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Cypress Cove Donates A Half-Ton of Hams

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2. Failure to have documents properly witnessed or notarized.

The failure to properly notarize or witness documents can result in a “last will” not being admitted to probate or being disqualified.

3. Failure to retitle assets in the name of a Living Trust.

It is common for folks to set up a Revocable Living Trust and thereafter forget to “fund the Trust” and this results in a probate.

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5. Opting out of Trust planning under the assumption that “everyone will just get along”.

When things are omitted in the name of “simplicity”, people often times do the opposite of getting along and big disputes ensue.

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4. Failure to appoint the right family members to the right positions.

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We’re looking for good news in the following categories: Club & Charity Events, Ribbon Cuttings, Awards (including Military Service), and other Noteworthy Honors.

How to Submit: Send information (200 words or less) and a photo (ID’d with names left to right) to terri.reeves@lifestylesafter50.com. Place CommuNitY NEwS in the subject line. Submission should include your name, address, phone number, as well as the club or organization’s location and contact info.

Information must be received by the 15th of each month for publication in the following month’s issue. Otherwise, it may be considered for future editions.

Community News is published on a space available basis.

Real Estate Strategies and Contracts Business Entities & Asset Protection Probate & Trust Administration

8870 Daniels Parkway, Suite 101 • Fort Myers, Florida 33912 www.GibbsLawFL.com Phone: 239-415-7495 • E-mail: info@gibbslawFl.com Lifestyles After 50 • Southwest • January 2020 • page 9

‘The Last Full Measure’ January Film

By RANDAL C. HILL

I

n 1999, Todd Robinson, the director/ screenwriter of The Last Full Measure, learned the story of William H. Pitsenbarger, a U.S. Air Force Pararescueman who flew almost 300 rescue missions during the Vietnam War, saving the lives of over 60 men.

Robinson had been visiting training schools for his movie research and one common thread emerged.

“Nearly every place I went, the young trainees wanted to be sure that I knew the story of William Pitsenbarger,” Robinson explained to Air Force Magazine.

Called “Pits” by his comrades, the 21-year-old medic was aboard one of

two helicopters summoned to evacuate wounded soldiers after they were ambushed in a Vietnam jungle in April 1966. When the last chopper was ready to lift off, the selfless Pits, already under heavy Viet Cong fire, volunteered to stay behind and tend to the wounded while holding off the advancing enemy. He was killed within 90 minutes.

When Robinson later heard the airman’s father, William “Frank” Pitsenbarger, speak about his son’s legacy at a New Mexico airbase, “The whole thing jelled for me at that moment,” said Robinson. “That’s when I knew there was a story to tell.”

Just as compelling as the hero’s account was what happened in the aftermath.

When wives of the surviving soldiers learned that Pits had been given an Air Force Cross—the second-highest honor—for his ultimate sacrifice, they protested that it wasn’t good enough.

Numerous veterans subsequently petitioned Congress to elevate Pits to the Medal of Honor, the nation’s highest

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Lifestyles After 50 • Southwest • January 2020 • page 10

decoration. medal. Still, he charges ahead fearlessly Robinson and producer Sidney in pursuit of final justice for the heroic Sherman pitched the movie idea to over airman. On December 8, 2000, the medal 50 production companies, but nobody was awarded to Pitsenbarger—34 years showed interest. Still, Robinson had such after his death. faith in Pits’ story that he went ahead and The movie opens nationwide on wrote a script anyway. He then embarked January 17. on over a decade of armtwisting to line up funding.

Finally, by 2017, things had fallen into place. Jeremy Irvine would portray Pits and lead the all-star cast.

The Last Full Measure story unfolds through the perspective of Scott Huffman (Sebastian Stan), a young Pentagon official assigned to investigate the complicated case involving Pits and the prestigious Congressional Medal of Honor Award.

Along the way, Huffman The Roadside Attractions movie boasts an impressive cast encounters a high-level of Jeremy Irvine, Samuel L. Jackson, Sebastian Stan, conspiracy behind the William Hurt, Ed Harris and John Savage. It also features decades-long denial of the Peter Fonda in his final film role.

EALTHLiNE ❤

W

From Flab to Fit and Fab ~ the Safe Way

ith the new year unfolding, many of you will aim to get healthier through exercise. Whether you choose aerobics, strength training, flexibility, or balance, know that all four are important for strength, weight loss or control, heart and cognitive health.

There are some things to keep in mind, especially if you’re not used to the routine.

Always check with your doctor before starting an exercise regimen.

This is especially important if you have any health issues such as diabetes, heart disease or arthritis.

To help avoid injuries, make sure you warm up your muscles and joints first, maintain proper posture throughout, choose appropriate clothing, shoes and equipment, and stay hydrated.

Strength training is an excellent way

for older adults to stay fit, active, and independent in the years to come. Here are some tips for those just starting out:

1.Use a personal trainer to begin, so they can instruct you on how to use weights or equipment properly.

Working out on the weight machines

can assist with correct posture and alignment.

2. Don’t overdo it. Start slowly with lighter weights, then build up slowly and gradually.

3. Breathe. Holding your breath can spike blood pressure. Exhale on exertion; inhale on the release.

4. Go slowly with smooth motions.

At the peak of the exertion, hold the position for a beat.

5. Set a goal of strength-training two or three times a week with a day of rest in between. If you do go two days in a row, work on different muscle groups to give each a chance to recover.

6. Make sure to get an adequate supply of protein. Older adults should divide their weight by two-thirds; the resulting number is roughly the daily protein requirements, in grams, per day.

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levers down to go forward, pulls them both up to brake, and pushes one while pulling the other to turn to either side.

This enables great mobility, the ability to turn on a dime and to pull right up to tables or desks. The controls are right on the steering lever so it’s simple to operate, and its exclusive footrest swings out of the way when you stand up or sit down.

With its rugged yet lightweight aluminum frame, the Zinger is sturdy and durable yet convenient and comfortable! What’s more, it easily folds up for storage in a car seat or trunk– you can even gate-check it at the airport like a stroller. Think about it, you can take your Zinger almost anywhere, so you don’t have to let mobility issues rule your life. It folds in

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More and more Americans are reaching the age where mobility is an everyday concern. Whether from an injury or from the aches and pains that come from getting older– getting around isn’t as easy as it used to be. You may have tried a power chair or a scooter. The Zinger is NOT a power chair or a scooter! The Zinger is quick and nimble, yet it is not prone to tipping like many scooters. Best of all, it weighs only 47.2 pounds and folds and unfolds with ease. You can take it almost anywhere, providing you with independence and freedom.

Lifestyles After 50 • Southwest • January 2020 • page 11

Boost Your Financial Health by Getting Your Checkup Now

By DAVID NOVAK

A

s the calendar turns to a new year, it’s the ideal time to give your financial health an examination. Taking care of the little details now can save a lot of pain and heartache later—for you and your heirs.

Review your beneficiaries This should not only include retirement accounts, such as IRAs, 401(k)s, 403(b) s, and other qualified plans, but also any taxable accounts that have a Transfer-onDeath feature. Also, make sure to examine not only the primary beneficiaries but also the contingent beneficiaries. Many beneficiary schedules also allow you to select per stirpes as an option—if you are not familiar with this, you should discuss with your investment advisor or estate planning attorney.

Review your insurance coverage Some of us like to bundle as many different insurance coverages as we can together, while others like to spread our business out to different companies. Whatever your preference, make sure to shop the rates you’re paying on all your policies—auto, home, umbrella, etc.

For various reasons—not the least of which was laziness—I would rarely shop my rates, but once I did, I was amazed at how much variation there was for essentially the same thing.

Furthermore, are all the extras that are supposed to be giving you discounts (like the Big Brother device in my car monitoring my driving) actually helping you? Once I found out it wasn’t giving me anything, I couldn’t get rid of it fast enough.

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-fordollar up to a certain amount, such as 3% of your income. Taking advantage of this matching amount is a no-brainer; it is equivalent to a 100% return on your investment. 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 deplete your investments? You may have been planning on living off the income generated by the portfolio, but the current low-interest-rate environment could 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 current distribution rate is unsustainable over the long term.

Lifestyles After 50 • Southwest • January 2020 • page 12

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

Studies have consistently shown that most investors, left to their own devices, neglect to properly rebalance their portfolio and, in fact, 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 straightforward concept to grasp on paper, but very difficult to implement, especially in times of heightened market volatility.

Furthermore, this should present an excellent opportunity also to evaluate the appropriateness of your long-term asset allocation target.

Since the stock market has done so well these last few years, it’s been easy to rationalize that you need to have a portfolio weighted on the stocks’ side. Think about not only what your long-term asset allocation target is, but more importantly, what caused you to establish that target.

Review your estate plan It’s essential to review what happens to your assets in the event of your death or incapacitation. Who is your primary and secondary durable power of attorney? Who is your primary and secondary health care surrogate? If you have multiple children, are they all aware of your overall plan? Do they all understand your desires in the event you become permanently incapacitated? The time to talk about all these things is now, in a very transparent way.

I recently went through this exact situation with a parent’s sudden decline and the prospect that he could be in a vegetative state for the rest of his life.

Fortunately, we had discussed this possibility and were able to act clearly in accordance with my father’s wishes. While we still had to go through a very painful experience, I took some solace that the entire family had proactively discussed this potential event.

Just as you don’t want to neglect your physical health, it’s crucial to take care of your financial well-being too. It’s a good habit to get into and to keep; doing it regularly at the start of the year makes it easy to remember.

Keep your eye on the news The SECURE Act was just signed into law. It makes significant changes to inherited retirement plans like 401(k)s and IRAs. Among the many changes, the new bill will generate more taxes for the government by requiring beneficiaries of these inherited accounts to withdraw all assets over a 10-year period, thus accelerating the depletion of these accounts. This could greatly affect your estate planning.

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.

Sudoku #306

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

SUDOKU William Marling, Naples

CoNgratuLatioNs!

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

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Play & WIN!

QuestIoN: tIMe MAgAzINe oNce cALLed her bIrth “the Most AWAIted bIrth IN PerhAPs 2000 yeArs?.”

Who Were they referrINg to? your ANsWer: _____________________________________ Hint: Find the answer in last month’s Editorial page 3. https://lifestylesafter50.com/seeing-2020/

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

State

Email

Phone

Zip

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

Send your answers along with your name, address, telephone number & email to:

Georgia Clark, Clearwater was our last months winner!

Lifestyles After 50 P.O. BOX 638, SEFFNER, FL 33583

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

Last month’s answer: June 26, 1870

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

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Good Luck!

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 • Southwest • January 2020 • page 13

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Power Puzzle CROSSWORD PUZZLE

Last Month’s Answers

Enter To Win!

Last Month’s Winner is Cherryn ross, MatLaCha

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#5131

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But for me, one looming issue remains—what to do with the greeting 9 10 11 12 13 cards containing portraits of my friends and their families?

16 I’m not talking about those from your dry cleaner or newspaper delivery 19 man.

They can be guiltlessly abandoned to the recycle bin. But the family photo cards? Not so easily trashed.

22 It must have cost the Clarks a pretty penny to assemble all 28 children, 25 26 27 grandchildren and dogs on that Hawaiian beach. Not to mention the 32 photographer’s 33 fee. And see how lovely and happy they are, healthy white teeth37displayed for the camera? What do I…? How can I…? But on the other40 hand, do I really need a family portrait of the Clarks?

And here are the smiling Bensons. Not quite as many as the Clarks, 43 but lovely all the same. And Tracy is coddling her new baby. How sweet!

47 Can I even consider tossing out that baby?

Next come the Berkowitzes. There are enough in this group to qualify 51 as a tribe.

And Papa Berkowitz didn’t fail to include his annual family 55 56 57 update letter, with each person cross-referenced in the photo and identified 62 by little numbers on their chests. Boy, he really put a lot of effort into this 65 one—such a dilemma.

Here’s one from Betty. She has no children, but look at her adorable 68 dogs. I do love dogs. I would never trash a dog. But yet...

These people look familiar. Oh, they’re my grandkids. Not the best picture. And I have so many others.

I stand by the garbage bin, photo cards in hand, immobilized by agonizing indecision. It would be so much easier if the cards would simply self-destruct 48 hours after New Year’s Day. Hallmark, are you listening?

Susan Goldfein’s newest book, How to Complain When There’s Nothing to Complain About, is available at Amazon.com. Read her blog at: www.SusansUnfilteredWit.com. Email Susan at SusanGoldfein@aol.com

Seniors Getting Together 4119 SEEKinG HonEST GEnTLEmAn. Former airline stewardess 5389 - To 5382, iSo LTR 75 years and model, 5’4”, 104 lbs., slender, old, S, W, disease/drug free, NS very white with Ph.D. in healthcare. light. A one woman man looking Fulbright scholar, eats healthy and for someone to share life and all exercises. Likes sports and animals. its pleasure. Age and looks not WW. Loves the Lord. Florida. important. Lehigh Acre.

WomEn SEEKinG mEn

5391 - LooKinG FoR FRiEnDSHiP. Someone who is honest & caring. mEn SEEKinG WomEn Good sense of hunor. NS, W, D. Someone to share time with. N. Ft. 5382 - iSo LTR. 75 yr old, SWm, disease/drug free. NS, very light Myers SD. Romantic/Affectionate. A one 5388 - i REmEmbER CooKinG woman man looking for same in a ToGETHER, dancing in the kitchen, lady to share life and all its simple walks & holding hands. ISO FRIEND, pleasures with. Age and looks early 80’s, SOH, NS, LT SD. I am W, not important. Personality and C, widow, 5’5”, HWP & attractive. sincerity is. Photo, phone please.

Reply with phone or email. S. Ft. Thank you.

Myers area.

5387 - SWm, 73 LooKinG FoR SWF. NS, ND, for travel, quality 5377 - i Am LooKinG FoR A time, share life’s moments, holding FRiEnDSHiP. Are you a positive hands, hugs. Affectionate. gentleman? Passionate about life? I am a attractive lady in my early 70s. 5374 – SinGLE, 75, bALLRoom I like golf, travel, theater, concerts, DAnCER. 6’2”, 180, dance all dining out or at home. I am always night like a partner for dancing on the go and think it is no fun to or life. Have no illness, like tall, have fun unless you have someone skinny, friendly, available for every kind of entertainment, to share it with. INTERESTED? volunteer friendship center 16 yrs.

5375 – RETiRED LADy bAnK Englewood. oFFiCER. Would love to marry a W, NS, NDrg, gentleman, 60-90 yo. I 4959 - LooKinG FoR FRiEnDSHiP. am healthy, have positive thinking, WM, 80, NS, ND, honest, sincere, vibrant, intelligent. I love cooking, spiritual. Likes cards, bowling, homemaking, swimming, travel. dancing. Looking for lady to share some time with. North Port area.

Bonita Springs.

5365 – i Too Am A WomAn WHo LovES To DAnCE and wants companionship. Love music, good music. Love to go to the movies or I collect them. Have hundreds. Write me, I am a lot of fun.

5366 – LooKinG FoR CHRiSTiAn mAn. You must love to dance and have a sense of humor. I enjoy dining out or creating a gourmet meal at home. Let’s meet and walk the beach together. Photo please.

Venice area.

4950 - Hi! SWm looking for female who needs a home. Must be somewhat slim, fun, loving, easy going. ND, NS, affectionate. I’m same. Want to share my life. I’m 5’7”, 150. Send photo & phone please.

Thanx.

4945 - Hi, i KnoW yoU’RE oUT THERE. I am looking for you too.

My life partner. DWM, 76, fit, NS, ND. Likes adventure, travel, U.S. National Parks, sharing expenses. Let’s enjoy what life offers. Ft. Myers.

4939 - onE SWEET HEARTED GUy. Early 70’s...playful, adventurous, fit, emotionally & financially secure.

Seeks a special lady for cozy togetherness.

4930 - iSo LTR, 68 yR oLD, SWm. Romantic, affectionate, sincere, disease and drug free. Loves life and all it has to offer. Looking for someone to share it with. No game players or liars. Only sincere need reply. Photo, phone please.

4921 - WiDoWED GEnTLEmAn LivinG in vEniCE. I’m 84, honest, stable, caring and affectionate.

5’10” and average weight. Looking for a similar type lady wishing to enjoy the golden years.

4903 - iT’S nEvER To LATE for dreams to come true. Single white male, 75, no children. Our passions: running, long walks and talks, sharing life. Sarasota. Let’s meet.

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 Lifestyles After 50 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: Lifestyles After 50 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:

(First 4 Words)

CITY:

(No Charge)

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

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

Name: Address: City: Phone:

State:

Zip:

Email: Make checks payable to: Lifestyles After 50 Mail to: PO Box 638, Seffner, Fl 33583

Lifestyles After 50 • Southwest • January 2020 • page 15

HE AR TIS | V ENICE

LIVING WELL AT ANY AGE You’re invited to our Mindful Wellness event with special guest Eileen Joseph, LCSW, CPT, PAC. She will share secrets of successful aging and introduce you to the six pillars of health that contribute to maintaining your physical and mental fitness.

During her presentation, you’ll also learn about Salus™, our holistic approach to living a wellness lifestyle that’s integrated into every aspect of the Heartis Venice community.

Mindful Wellness Thursday, February 6, 2020 | 2:00 p.m.

Allegro Bistro 1740 East Venice Avenue Venice, Florida 34292 To RSVP, call 941-256-7269 or visit venice.heartis.com

WELCOME CENTER 871 Venetia Bay Boulevard, Suite 111 Venice, Florida 34285 HEARTIS VENICE 1020 N. Tamiami Trail Venice, Florida 34229 License pending.