Lifestyles After 50 Southwest/Lee/Charlotte Edition, January 2019

SouthwESt ~ JanuaRy 2019

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

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Adult In Home Assistance Seniors Helping Seniors

wwwseniorcareeastpasco.seniorshelpingseniors.com/

Assisted Living Love To Know Seniors Program of All Inclusive Care for the Elderly (PACE)

www.seniors.lovetoknow.com www.npaonline.org/

Food, Clothing, Personal Care, Household Goods Meals on Wheels www.mealsonwheelsamerica.org Trinity Cafe www.trinitycafe.org Feeding Tampa Bay www.feedingamerica.org Daystar Life Center www.daystarlife.com Metropolitan Ministries www.metromin.org Education Eckerd College (St. Petersburg)

www.eckerd.edu/olli

Employment Florida Department of Elder Affairs www.elderaffairs.state.fl.us Senior Community Service Employment Program (SCSEP) www.doleta.gov/seniors/ Retirement Life Matters www.retirementlifematters.com Work Force 50 www.workforce50.com Financial Services National Council on Aging Benefits Check Up Women’s Institute For A Secure Retirement (WISER) BBF Capital Advisors

www.benefitscheckup.org/ www.wiserwomen.org/ www.bruceficken.com/

Lifestyles After 50 • Southwest • January 2019 • page 2

Government and Senior Community Resources Administration for Community Living (ACL) www.acl.gov/ American Association of Kidney Patients www.aakp.org American Red Cross www.redcross.org American Association of Retired Persons www.aarp.org/tampabay The ALS Association Florida Chapter www.webfl.alsa.org Area Agency on Aging (Elder Help Line) www.youragingresourcecenter.org Department of Business and Professional Regulation www.myfloridalicense.com Florida Information Locator www.stateofflorida.com Hills County Dept of Aging www.hillsboroughcounty.org Internal Revenue Service (Seniors & Retirees www.irs.gov/individuals/seniors-retirees Medicare www.medicare.gov National Parks www.NPS.gov Retired and Senior Volunteer Program (RSVP) www.seniorsinservice.org Ronald McDonald House Tampa rmhctampabay.org/ Senior Connection (Hillsborough) www.agingcare.com Senior Games www.flasports.com/florida-senior-games Service Core of Retired Executives (SCORE) www.score.org Social Security Administration www.SSA.gov U.S.Department of Housing and Urban Development www.UD.gov Health & Medical Services Addiction Center www.addictioncenter.com American Association of Kidney Patients www.aakp.org Dementia www.dementia.org Melanoma Research Foundation www.melanoma.org National Stroke Association www.stroke.org Senior Home Improvement Program (SHIP) www.thecentre.org/programs services-for-older-adults National Institute of Senior Health www.nihseniorhealth.gov Insurance Consumer Advocate Legal Services Bay Area Legal Services Tax Counseling for the Elderly

www.consumersadvocate.org/

www.bals.org www.irs.gov/individuals/tax-counseling-for-the-elderly

Pet Services Consumer Advocate TLC Pet Snip (non-profit)

www.consumersadvocate.org/pet-insurance/best-pet-insurance www.tlcpetsnip.org

Preplanning Final Expenses Aging Care Retirement Living LCB Senior Living Transportation Florida Department of Elder Affairs ITN Suncoast Travel and Leisure Florida Orchestra Gaylord Palms Orlando Players Theater (Sarasota) Straz Performing Arts Center (Tampa) Tampa Bay Rays

www.agingcare.com/articles/funeral-planning www.lcbseniorliving.com

www.elderaffairs.state.fl.us www.itnsuncoast.org/

www.floridaorchestra.org www.gaylordhotels.com www.theplayers.org www.strazcenter.org www.mlb.com/rays

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

Southwest Edition

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.

Published monthly by Lifestyles After 50 Volume 30, Issue 1

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Ed Graves Ed@lifestylesafter50.com

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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 • Southwest • January 2019 • page 3

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

Estero Fine Art Show and Taste Fest Jan. 6 3 p.m. $5 donation

Event: Date: Time: Cost:

Tap & Tunes Craft Beer & Music Festival Jan. 12 2 - 8 p.m. $5

Place: JetBlue Park Address: 11500 Fenway S. Dr. Fort Myers, 33913 Phone: 239-334-4700 Web: hotworks.org

Place: Centennial Park Address: 2000 W. First St. Ft. Myers, 33901 Phone: 239-321-7524 Web: sbdac.com

Event: (Dunbar Festival Presents) From Podiums to Pulpits: Activists for Change Date: Jan. 12 Time: 6 p.m.

Cost: FREE

Event: Date: Time: Cost:

Place: Dunbar Community School Address: 1857 High St. Ft. Myers, 33916 Phone: 239-939-2787 Web: facebook.com/ArtInLee.org

Cape Coral Festival of the Arts Jan. 12 & 13 10 - 9 p.m. & 10 a.m. – 5 p.m.

FREE

Place: Rotary Club of Cape Coral Address: 4646 SE 11th Pl. Cape Coral, 33904 Phone: 239-699-7942 Web: capecoralfestival.com

Event: Date: Time: Cost:

Bayside Estates Breakfast Jan. 13 8 a.m. – 11 a.m. $5

Event: Date: Time: Cost:

Charity Car Show Jan. 20 11 a.m. – 3 p.m.

FREE

Place: Bayside Recreation Hall Address: 17601 San Carlos Blvd.

Fort Myers, 33931 Phone: 239-466-6042 Web: baysideestates.org

Place: Suncoast Technical College Address: 4445 Career Lane North Port, 34289 Phone: 941-257-2252 Web: cityofnorthport.com

Event:

Event: Date: Time: Cost:

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

Movie Day: Book Club Jan. 24 2 – 4 p.m.

FREE

Place: South County Regional Library Address: 21100 Three Oaks Pkwy., Estero, 33913 Phone: 239-533-4400 Web: leegov.com

Event:

ClamJam Seafood & Music Festival 2019 Date: Jan. 26 & 27 Time: Sat. 10 a.m. – 7 p.m. & Sun. 10 a.m. – 5 p.m.

Cost: $10 adm. Free parking Place: The German- American Social Club Address: 2101 Pine Island Rd. Cape Coral, 33991 Phone: 239-443-4457 Web: clamjamswfl.com Event: Date: Time: Cost:

Rhythm on the River Returns Jan. 31 TBD p.m.

Mem. $20 Non – Mem. $25

Place: Edison and Ford Winter Estates Address: 2350 McGregor Blvd.

Fort Myers, 33901 Phone: 239-334-7419 Web: Edisonfordwinterestates.org

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

Lifestyles After 50 • Southwest • January 2019 • page 4

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.

“We are very excited about this new observation because for the first time,

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.

Download the new FRVTA app

More info @ www.frvta.org Lifestyles After 50 • Southwest • January 2019 • page 5

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 Lifestyles After 50 • Southwest • January 2019 • page 6

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.

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.”

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What Are Advance Medical Directives in Florida?

by Steven GibbS, eSq.

F

lorida law recognizes three basic forms of advance directives: living wills, healthcare surrogate designations, and anatomical donation elections.

Florida Living Will Living wills identify the types of medical treatment you want, or do not want, if you become incapacitated. Commonly, living wills announce whether an individual wants to be kept on life-support and under what circumstances.

Florida Designation of Healthcare Surrogate A designation of healthcare surrogate (also referred to as a “medical power of attorney” or “medical POA”) is a document authorizing another competent adult to make important medical decisions on your behalf. The designation can provide specific instructions or can be worded more generally to allow greater discretion.

Florida Anatomical Donation Elections When you make an anatomical donation, you are consenting to a contribution of your physical remains toward others’ healthcare or toward medical research. Florida allows organ-donor elections to be made on the donor’s driver’s license or through online registration.

Anyone who executes an advance directive should do so accordingly to legal formalities with expert assistance. It is also helpful to make multiple copies, keep the original in a safe, secure place, and tell family members where documents are stored. Copies may also be provided to regular healthcare providers so that they have the information readily available if it becomes necessary.

Gibbs Law Office focuses on wills trusts & estate planning, including elder law, Medicaid and special needs planning, located at 8870 Daniels Parkway, Suite 101, Ft.Myers. To learn more, call (239) 415-7495 or visit www.GibbsLawFL.com.

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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 2019 • page 7

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et ready for February and the Month of Love by sending us a fun, short story essay about the most memorable date you’ve ever had – the one with unexpected consequences.

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.)

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 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

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 • Southwest • January 2019 • page 9

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t seems there’s a critical age when each New Year adds another medical specialist. My husband, for one, has just acquired a new “ologist,” whose expertise has further complicated our lives.

For longevity’s sake, we already practice a low-fat, low-carb, Paleo, Mediterranean, don’t-eatwhite-foods lifestyle. Mostly. But if we wanted to extend our time on Golden Pond, this new doctor urged my darling to significantly reduce his salt intake.

Eager to be supportive, I purged pantry and frig of all offending foods.

Out went the ketchup, soy sauce, crackers, and the can of mixed nuts.

Even benign cottage cheese was now a potential killer. Ever read the sodium content on packaged bread items? Positively terrifying! And the pancake mix?

There’s enough salt content to keep you afloat even if you can’t swim.

Then it was off to the supermarket to replace said items. With my most powerful pair of reading glasses on, I examined the fine print on jars, bottles, cans, and loaves. I was heavily into condiments when my cell phone rang. It was him, reminding me I’d been gone for almost three hours. I promised I’d be home as soon as I finished researching the dairy aisle.

The new reality is that more home cooking is in order. I don’t mind preparing pasta sauce, soup,

or salad dressing, but baking my own bread? Sorry, but my pioneer instincts stretch only so far. Surely there’s a salt-free loaf wrapped in plastic and sealed with a twist tie.

Success was mine at the local health food store. I decided to sample a slice, which was a tad tastier than a piece of cardboard.

My search would have to continue.

Dining in is one thing when your diet is restricted, but dining out is quite another. And for better or worse, recreational eating is a major part of our social life, particularly during winter when returning to Florida involves dinners with friends not seen in many months. Now, added to requirements for an acceptable restaurant (which include proper chair comfort, noise level, and air temperature), I will have to ask, “Will the chef agree to cook our food without salt?”

We are adjusting, gradually. I’m learning that sodium-free, lowsodium, reduced-sodium, light sodium, don’t all mean the same thing. I’m beginning to enjoy our salt-less peanut butter, and the memory of that awful bread is slowly fading. My husband is benefitting from our healthier, though somewhat blander, diet.

Maybe shaking the salt habit won’t be too hard after all. And our lease on Golden Pond may be extended for a few more lowsodium years.

Susan Goldfein holds a doctorate in Communication Disorders from Teachers College, Columbia University, and enjoyed a successful career as a clinician, teacher, and consultant. For more essays filled with wit, wisdom and irony, visit Susan’s blog, www.susansunfilteredwit.com. Her book, How Old Am I in Dog Years? may be purchased on Amazon.com and BarnesandNoble.com

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Lifestyles After 50 • Southwest • January 2019 • page 11

Sudoku #294

TriviaPalooza!

Solution #293

SUDOKU

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

December

Play & WIN!

7 6 9 4 2 1 5 3 8

The object of the game is to fill all the Last Month’s Winner blank squares with the correctisnumbers.

Gilbert Huizinga, Bradenton

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

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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!

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

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Name

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Address City

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Email

Phone

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

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Last month’s answer: Clarence or Clarence Odbody.

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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.

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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 the 20th will win.

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

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January Sudoku

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WIN GREAT PRIZES! Sudoku muST bE REcEIvEd by ThE 20Th of ThE moNTh.

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# 294

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

Lifestyles After 50 • Southwest • January 2019 • page 12

CongRatuLationS!

13. Paris

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

WIN! WIN! WIN! GREAT PRIZES!

Last Month’s Winner is RobeRt DoeLLing, SaRaSota

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Good Luck!

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Social Security News Medicare & Social Security Cheat Sheet

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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.

Last Month’s Answers 47.

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Enter To Win!

Last Month’s Winner is Martha Trowell, Bushnell

CongraTuLaTions!

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Work flexible hours helping businesses to reach the valuable over 50 audience. Territory available from Ocala to Ft Myers.

Call us today at 813-653-1988 or email your resume to info@lifestylesafter50.com.

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Happy Birthday to those born in January!

Betty White 97 on Jan. 17

Oprah Winfrey 65 on Jan. 29

Mel Gibson 63 on Jan. 3

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Lifestyles After 50 • Southwest • January 2019 • page 14

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.

4866 - ARE yoU A PoSiTivE GEnTLEmAn PASSionATE AboUT LiFE? I am a classy, attractive Lady in my early 70’s. I like Golf, Travel, Theater, Concert, Movies, Boating, Dining out or at home. I am always on the go and think it is no fun to have fun unless you have someone to share it with.

Interested? Then send me a letter.

4856 - bE A FRiEnD. Life goes by so fast. ISO friendship only with W widower, age 80-84, who has SOH, is kind, LT, SD, NS, to meet for coffee occasionally . I am W, WW, attractive, intelligent in early 80’s. S. Fort Myers.

4859 - SWF SEEKinG HonEST WHiTE mALE. 70-80. Honesty, friendly, healthy. I am a good cook/baker. Likes going to movies, dinner, dancing, travel. Family involvement. Reply with telephone #. N. Fort Myers.

4840 - bSF, iSo LovinG FRiEnDSHiP. 68yy and am honest, easy going, caring & trustworthy, kind, happy & loving, church. NS, NDrg, SD, FF. Send recent picture with contact information. NO felons. Manatee/Sarasota.

4829 - SWF SEEKS ComPAnion. I like to dance, swim, movies or theatre, travel, walks in park. Will turn 80 in October. Everyone says “no way”. Judge for yourself.

4813 - SEEKinG HonEST Wm, 65-80 yrs., compassionate, caring. FF, ND, NDrg, NS. I am easy going, enjoy walks, beach, cooking, dining out. Let’s enjoy life together. Send phone number.

Riverview/Apollo Beach area.

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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.

mEn SEEKinG WomEn 4869 - iSo LTR, SWm, 75, easy going, out-going, disease and drug free. NS, ND, loves life. Looking for someone to share it with. Age/looks unimportant, sincerity is. Photo/phone please. Thank you.

4871-SinGLE WHiTE mALE, iSo Asian (J, C, Ph). 65 YY, pretty, long term relation. Ft. Myers, Cape Coral area.

Send photo & phone.

4860 - SWm, 78, 5’5”, 160. NS, ND, NDrg. Likes sunsets & nature. Am a fit, honest, spiritual person. Would like to meet a healthy, fit, lady for friendship & doing outings together. North Port Area.

4850 - SinGLE, WHiTE, SLim. Retired Colonel. Loves dancing, golf, traveling.

Seeks 65-75, slim female. Let’s talk, laugh and begin a friendship. Bonita Springs.

photo and phone number. No smoker.

4787 - mALE, W, WW, C, 77 yy, 5’5”, nS, nD, nDrg, HWP, R, absolute gentleman. Love golf, movies, day and short trips, dancing. ISO attractive, W, lady, C, 65-75 YY, SOH, NS, NDrg, SD, LTR, FF, TLC. Send photo and phone.

Lee, Charlotte area.

4771 - FUn LovinG DWm, 69YY, 6’, ISO 59YY+, NS, SOH, HWP, secure female who likes travel, tennis, bicycling, dancing, for possible life partner, NS only. Send recent picture with contact information. Fort Myers area.

4763 - SinGLE, mALE, WHiTE, CHRiSTiAn. 78, ISO SOH, Non-smoker, light drinker, LTR, WGT proportional.

TLC - LOTS AND LOTS!! Venice 4756 - mAn, 72YY, 5’5”, 145, seeking a non smoker, 65+ for caring, romantic, quiet times. Kind, gentle, church, most sports. Fort Myers, Cape Coral. Please send photo & phone.

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:

(First 4 Words)

4849 - RETiRED ARmy CoL. needs wife. Dance, travel, NY, NJ & other states. Likes to dance. Member of Bonita Springs Golf & Country Club.

Let’s talk. I love to dance.

4800 - SinGLE WHiTE mALE. My name is Edward. I am a retired dairy farmer seeking a companion between 67 & 70 years of age. Someone who likes to go out to dinner, music, travel, talking, being happy.

4797 - SinGLE WHiTE mALE. Slim, young 70. Non smoker, many interests.

5’10” tall. Seeks slim female, 60 to 70.

Fort Myers, Cape Coral? Dancing. Send

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:

MAIL TO: ATTN. / SENIORS GETTING TOGETHER NEWS CONNECTION, USA, INC. • PO BOX 638, SEFFNER, FL 33583 Lifestyles After 50 • Southwest • January 2019 • page 15

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