Lifestyles After 50 Suncoast October 2012 edition

Lifestyles www.LifestylesAfter50FL.com • Suncoast • FREE

AFTER 50

October 2012

6 Tricks to Look Younger When Your Parent Has a Significant Other Bet on the Beau Rivage Easy Getaway Florida Festivals

one man’s fascination with the creatures of the sea

Artist Brings Life To Gulf Resort buy more of his T-shirts here than any other place in the country. lorida’s West Coast has a famous So, make a visit to the new Guy new part-time resident—Guy Harvey Outpost at the TradeWinds Harvey, marine wildlife artist and on St. Pete Beach. You’ll enjoy conservationist. It’s hard to go most the artwork and also find fishing anywhere without spotting someone charters, snorkeling, diving or wearing a Guy Harvey fishing-themed you can reserve a half or full day t-shirt or cap with his unique logo. trip with one of the expert “go-to” Harvey recently opened the first Guy fishing guides. Resident Captain The Guy Harvey Outpost Resort combines Harvey Outpost in the United States Tim shares fish tales and tips education, tourism and conservation. in partnership with The TradeWinds on fishing four times a week for Sandpiper Suites in St. Pete Beach. guests. Of course, you can also find Look for two 1,000-pound marlins In a recent interview he said, “This clothing and other marine-related when you arrive at the Outpost and then place offers incredible fishing, walk through the public areas to spot the items in the Outfitter shop on site. good diving and the component for Harvey’s documentaries include other Guy Harvey murals and paintings. marine research opportunities.”

This is Your Ocean: Sharks and Harvey is a trained marine biologist as His depictions of warm water Mystery of the Grouper Moon. The well as an artist. He became the world’s marine sport fish in their natural Tiger Shark Express is due out soon most famous marine illustrator by presettings are popular with sportfishersenting the predator-prey relationship, the and will feature the interaction of the men and have been reproduced in sharks and sea turtles. His books are action that takes place in the open ocean. prints, posters, t-shirts, jewelry, Portraits From The Deep and SanIn interviews at the opening of his clothing and other consumer items. tiago’s Finest Hour, an illustrated Outpost, he called fishing in Tampa Now that same artwork can be depiction of the Santiago’s fight with Bay “phenomenal.” People come to enjoyed throughout the resort. a big fish in the Ernest Hemingway Tampa Bay to fish, he said—they also

BY KATHY BECK

F

novella The Old Man and the Sea. He also has a syndicated TV series Guy Harvey’s Portraits from the Deep which combines sport fishing destinations with educational information.

The Guy Harvey Ocean Foundation conducts research on the ecology, genetics, behavior, physiology and evolution of fishes. The Outpost resorts also emphasize sustainable tourism, marine conservation and water sports recreation. www.guyharvetoutposttampabay.com.

Enter To Win!

Enter to win an autographed coffee table book and Outpost totebag (a $100 value). Send name, address, phone and email to News Connection USA, Inc. P.O. Box 638, Seffner, FL 33583. Drawing on Oct. 23, 2012.

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Life In a Niche . . . er, Niches Dear Readers,

W

here were you and who were you with when Neil Armstrong took his first step on the moon’s Janice Doyle, surface? Go ahead.

Editor Admit that when you heard the news of his death recently, your eyes glazed over as you remembered the details: “I was …with… and we were watching on a …TV.” 1969. Black and white or color TV? Your family was easy to categorize in 1969: You either had TV or you didn’t. If you had TV, it was either color or black and white.

To each his own niche We’re being sliced and diced like never before by political candidates and pollsters looking over our shoulders and into our computers to find where we fit for their purposes—our “niches.”

Marketing companies want to get you to buy some product. (And we want you to read our magazine and come to our events!)

Data banks out there somewhere in California, or outer space, or in India, know what you drive; cameras have recorded you enough places that some computer somewhere could probably pinpoint your identity by your eyes.

Do you have a computer? Search engines crawl through data tracking what you compute on, what you shop for, the magazines you read. They look for your marketing “niche.”

Pinellas/Pasco Edition Published monthly by News Connection U.S.A., Inc General Manager Dave Tarantul dave@lifestylesafter50.com

Publisher/Director of Events & Marketing Kathy J. Beck kathy@lifestylesafter50.com Editor Janice Doyle janice@lifestylesafter50.com

Mass marketing, such as for TV sets in the ‘60s, is old stuff. No more “color or black and white” sales leads.

It’s been replaced by “thousands of niche markets,” according to John Yemma, editor of the notable publication, The Christian Science Monitor.

Are you retired? A large niche. But are you a retired worker, volunteer, caregiver, golfer, knitter, pet owner?

We’re all in boutique crowds rather than the mass market groups of the past, according to Yemma.

This year, marketing types or pollsters might have you in a niche called a “Medicare grandma” concerned about health-care costs. Or maybe you’re categorized as a lapsed churchgoer, a DIY homeowner, a Vietnam vet, a diabetic, an organ donor, a cruiser, a big spender on kids’ clothes.

I’m in one very wonderful niche—an iPad owner. I know it’s a powerfully popular niche to be in because, beside my sleek little iPad, I have brand new books (EXPENSIVE books!) telling me how to use it:

iPad For Seniors for Dummies

by Nancy Muir. iPad for the Older and Wiser

by Sean McManus. iPad Tech 2 Connect

by Barbara Boyd for AARP

iPad for Boomers by Brian Proffitt So, I’m an iPad owner. What other niches does this put me in? A few clues.

The books are all large print, heavily illustrated and almost always laid out so as to cover only one learning step per page. They found my niches.

Voting your niche Don’t neglect to vote. We are the over-50-age citizens (a very large, generic niche) and we’re known for turning out to vote. Within that large niche, you have—consciously or unconsciously—been groomed within your smaller niches by the candidates to vote one way or another. Do it!

You’re very special!

Accounting/Office Manager Vicki Willis vicki@lifestylesafter50.com Production Supervisor/Graphic Design Kim Burrell kim@lifestylesafter50.com Production Assistant Tracie Schmidt tracie@lifestylesafter50.com

Customer Service 1-888-670-0040 customerservice@lifestylesafter50.com

Advertising Sales

1-888-670-0040 Mid to South Pinellas Mike Heidemann: (727) 623-4006 Mid to North Pinellas and Pasco Ken Barham: (727) 210-5120 Tampa Bay Dena Bingham: (813) 293-1262

Hillsborough Chuck Bingham: (813) 293-1550 Gina Ambrosio: (813) 965-2750 Our other editions: Hillsborough Edition: Hillsborough County Lake Edition: Lake/Marion Counties Sarasota Edition: Sarasota/Manatee Southwest Edition: Lee/Collier & Charlotte To learn more, call 1-888-670-0040 Distribution 1-888-670-0040

News Connection USA, Inc. P.O. Box 638 Seffner, Florida 33583-0638 (813) 653-1988 • 1-888-670-0040 Fax: (813) 651-1989 www.lifestylesafter50fl.com

FCOA Attention Readers: The articles printed in Lifestyles After 50 do not necessarily reflect the opinion of the Editor or the staff. Lifestyles After 50 endeavors to accept reliable advertising; however, we cannot be held responsible by the public for advertising claims.

Lifestyles After 50 reserves the right to refuse or discontinue any advertisement. Our advertising deadline for the Nov. 2012 issue is Oct 15, 2012. Magazines are out by the 7th of each month. All rights reserved.

Lifestyles After 50 • October 2012 • page 4

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Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details. This plan is available to anyone who has both Medical Assistance from the State and Medicare. (1) You must continue to pay your Medicare Part B premium. (2) Limitations, copays and restrictions may apply. (3) Amount varies by plan and county. (4) Copay for Inpatient Hospital Days 1-5 varies by plan. A sales person will be present with information and applications (enrollment begins OCT. 15th); For accommodations of persons with special needs at sales meetings call 1-866-245-5360. TTY/ TDD 1-800-955-8771.This information is available for free in other languages. Please contact our customer service number at 1-866-245-5360, TTY/TDD: 1-800-955-8771 for additional information. Esta infomación está disponible gratuitamente en otros idiomas. Por favor llame al departamento de servicio de miembros al 1-866- 245-5360, TTY/TDD: 1-800-955-8771 para mas información. H5594_News1_CMS Accepted Lifestyles After 50 • October 2012 • page 5

Symphonies, Simon & Garfunkel

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813.229.STAR (7827) • STRAZCENTER. ORG Outside Tampa Bay: 800.955.1045 Group Services (10+ get a discount): 813.222.1018 or 1016 Events, days, dates, times, performers and prices are subject to change without notice.

he Florida Orchestra kicks off the season in October with lots to choose from, including music by Beethoven, Schumann, Bernstein, Rachmaninoff, Sibelius and even Simon and Garfunkel. Most concerts are available at $15, $30 or $45, and the orchestra even has two free Pops in the Park concerts this month as well.

The Tampa Bay Times Masterworks series opens the season with pianist Sara Davis Buechner exploring Bernstein’s Symphony No. 2, The Age of Anxiety. The concert also includes Beethoven’s Coriolan Overture and Schumann’s stately yet joyous Symphony No. 3, Rhenish. Stuart Malina conducts. Oct. 12, 13 and 14 in Tampa, St. Petersburg and Clearwater.

For the opening concert of the orchestra’s new rock series, it’s a celebration of folk-rock duo Simon and Garfunkel. Vocalists A.J. Swearingen and Jonathan Beedle capture the magic of this famed duo with Feeling Groovy,

Bridge Over Troubled Water, and other favorites. Michael Krajewski conducts. Oct. 19, Mahaffey Theater.

Two free Pops in the Park Concerts will offer a lively mix of familiar classics and popular favorites under the stars on Oct. 20 (Vinoy Park) and 21 (River Tower Park). Bring a picnic dinner. Canned food donations encouraged for Tampa Bay Harvest’s food drive. Both concerts start at 7 p.m.

The Tampa Bay Times Masterworks series continues with Concertmaster Jeffrey Multer performing Sibelius’ beautiful Violin Concerto, paired with Rachmaninoff’s Symphony No. 2. Marcelo Lehninger conducts.

Oct. 26, 27 and 28 in Tampa, St. Petersburg and Clearwater.

The orchestra performs at the Straz Center in Tampa, Progress Energy Center for the Arts - Mahaffey Theater in St. Pete, and Ruth Eckerd Hall in Clearwater. For a free season brochure or to order a series package: www. floridaorchestra.org or 1-800-662-7286.

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Lifestyles After 50 • October 2012 • page 6

Charitable Gift Annuity Rates as of 1/1/2012

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Seek advice from a tax professional before entering into a gift annuity agreement.

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To request a personalized illustration or to learn more, please contact: Lydia E. Bailey, CFRE All Children’s Hospital Foundation 727-767-8914 Lydia.Bailey@allkids.org

Around Town

W H AT ’ S H A P P E N I N G O C T O B E R 2 0 1 2

1

st and 3rd Wednesdays Coliseum Tea Dances are back. 11:30 a.m.

Lesson; 1 – 3 p.m. dance. $7 dance / $3 for lesson. 535 Fourth Ave. N., St. Petersburg. (727) 892-5202.

F

ridays Swedish Weaving Class at Tarpon Springs Community Center. 9 to 11:30 a.m. $2/ class. Bring own supplies. For more information, call (727) 942-5628.

5

– 9 Sweeney Todd presented by St. Petersburg Opera Company at The Palladium Theater, 253 5th Ave. N. Tickets $21.50 – $64.50.

Info: (727) 656-8257.

6

“A Celebration of Harry Belafonte” at The Mahaffey Theater.

The program will include dance, music, song, on-stage interviews and more. Tickets at (727) 893-7832 or at the box office.

9

Retired Officers Wives Club of St. Petersburg luncheon at The Wine Cellar, 17307 Gulf Blvd., North Redington Beach. Social hour begins at 11:30 a.m. Lunch and program follow. (727) 812-4868.

13

African Violet Society Harvest Time Education and Sale at St. Matthias Lutheran, 2751 Sunset Point Rd., Clearwater. 10 a.m. to 4 p.m.

Get help repotting your plants. Free admission. Info: (727) 249-3327.

13

Oktoberfest on the Beach, Kolb Park, 1510 Bay Palm Blvd., Indian Rocks Beach. Activities, contests; German Band in the Beer Garden.

Admission is free. (727) 517-2449.

13

Keiko Matsui, icon of contemporary jazz at Largo Cultural Center, 105 Central Park Dr, Largo. Tickets at the box office online or call (727) 587-6751.

13

Flea market at Tarpon Community Center. 8 a.m. to 1 p.m.

Information at (727) 942-5628.

20

Military Officers Association (MOAA) lunch (3rd Fridays). Banquet Masters, 8100 Park Blvd, Pinellas Park. Social hour at 11 a.m.; lunch at noon. For retired or active duty officers or former officers and their spouses or widows.

Reservations at (727) 584-1595.

21

through Nov. 4 WIT by Margaret Edson presented by American Stage Theatre Company (winner of a Pulitzer Prize for Drama). Tickets $29 to $59. Call (727) 823-7529.

27

Heritage Village Country Jubilee flea market, gifts, crafts, much more. Entertainment, tours of historic homes, demonstrations of traditional crafts. 10 a.m. to 3 p.m. Heritage Village, Largo. (727) 582-2125.

27

– 28 John’s Pass Seafood Festival, Madeira Beach.

Fishing expo, oyster-eating contest, crab races, juried arts and crafts show, entertainment. (727) 391-6025 or visit johnspassfestivals.com.

30

Senior trip to Florida Aquarium and Dolphin Cruise with the Seminole Senior Center.

Call (727) 391 -8345 for info.

31

Doggie Halloween Party and Costume Contest at Art Village Courtyard, Beach Blvd. and 29th Ave. S. 6 – 10 p.m. For information: AuntieLyndasPet@ aol.com or (727) 323-3892.

N

ov. 1 Palm Harbor Newcomers Alumnae and Friends Club Holiday Fashion Show from Patchington at East Lake Woodlands Country Club.

11 a.m. $25. 1055 E. Lake Pkwy., Oldsmar. RSVP at (727) 726-7711.

Send Around Town news to News Connection USA, Inc., P.O. Box 638, Seffner, FL 33583; please fax (813) 651-1989. News must be received by the 10th of the month prior to event (i.e. October 10 for November event.)

Lifestyles After 50 • October 2012 • page 7

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Lifestyles Lifestyles After 50 50 •• October October 2012 •• page page 30 8 TFO-Senior After Connection-October.indd 1 2012

9/20/2012 4:40:07 PM

Wife’s Generous Tip Play

From The American Contract Bridge League

D

ear Mark: Please tell me how

BY BRIAN GUNNELL this tipping experience should have played out. I was playing roulette and having decent success. While playing, I asked the dealer what his favorite number was (13), a number I never play because I think it is unlucky. Still, I decided to place four $5 chips straight up on 13. I then told the dealer that “five of it is yours” if he hit it. The ball dropped in 13, and the dealer paid himself $175. Here is where it gets interesting. My husband happened to have come up on my win at the payoff and was miffed that the dealer got $175, and not just a $5 chip. He thought the dealer didn’t deserve that amount for doing nothing more spinning the wheel. As a former dealer/pit boss, what is the protocol for this payout, the $5, or the $175,fter which, by the way, I was N-S reached 3NT, East,okay with figuring the dealer getting? that his side—Kimmy had a T. profitable sacrifice, offered his Allow aa choice lead in,between Kimmy,4♥ with partner or your 4♠. superstition the number 13.

This pushed concerning N-S to the perilous It is a phobia contract of 5♦,known which,asasTriskaidekayou will phobia, associated with see, Declarer is about toanything bungle. numbered thirteen.

Providentially, your Against 5♦ West leads the ♠K, won random spin had point of by Dummy’s Acethe andstopping trumps are 13. Winner, Kimmy, and winner drawn.

Declarer can count 10 topthe croupier, perhaps because you look tricks, but where is the 11th? Not theat betting for the dealer a contribution ♥K as West needs theas ♥A to justify his to the Dame of Fortune, Ladythat Luck.

Takeout Double.

That means a 4th Responding to your question from a Club trick is required.

Are Clubs 3-3? table games management Let’s count the hand. Eastperspective, bid both mentioning of it isatyours” would majors and is“five no doubt least 4-4 in be construed as a tip for the dealer, no different than a $5 bet for the dealer in front of your wager would be in blackjack, or $5 riding alongside yours on the Pass line. Sure, the payoff of Boomers $175 seems sizable to your husband, do you the boomer mold? but itow reflects thefitodds of actually A the 2012 analysis from the hitting number thirteen—one Bureau of Labor Statistics shows in 38. You could have offered a tip that younger boomers heldwinan directly to thebaby dealer with your average ofin two different jobsvoiced from a nings, but your case, you age 35 side – 46.bet According the wager, report, verbal on top oftoyour the average in thepayment. latter to which youperson agreedborn to make years of thedo baby boom (1957-1964) So which most dealers prefer? The held 11.3of jobs fromfavor age 18 to age majority dealers a side bet46.

A

those suits. He also showed up with 3 Diamonds. That leaves two Clubs at most. But would East bid so much with 4=4=3=2 distribution and virtually no HCP? No, it seems more likely that East is 5=4=3=1 and, if so, Declarer must hope that East’s Club is the Jack or Ten or Nine. She cashes the ♣A and, seeing East’s Ten, prepares to take an impressively deep finesse of the Eight on the second round!

Well counted for 11 tricks except for one tiny detail. That’s right, West can also count and he rather than the receiving thethe tipsecond directly inserts Nine on afterround the payoff.

This side wager of Clubs. Now Declarermakes them feel like they’rewith also no in action is locked in Dummy safe and have a stake in the game.

A plays bet fora the way back to his hand (if he dealer provides a little excitement Spade, East will be sure to win andin what be through). a pretty monotonous fire a can Heart Down one. job.

My only concern is that to make Declarer’s play was flawless rightit all legit, the dealer should try, with up to the point where he called for time permitting, offset his chip he Dummy’s ♠A at to Trick 1. Instead, for the cameras while the must hold up the Ace and ball win was the seccircling, along over ond round.

Thatwith way,calling later in thethe play, pit bossget forsafely the “she said” payoff. he can back to hand with a Now back to that chip, Spade ruff and take$5 that second Club Kimmy, andanother getting contract your finesse. Yet bites the husband evenofmore peeved. dust because hasty play at Trick 1.

A few casinos allow the dealer to Visit acbl.org for more about wager the $5 chip again. What I am rethe fascinating game of bridge ferring to is that in roulette, players are or email marketing@acbl.org. paid “to” one versus “for” one. When To find a bridge club in Florida, go the odds are stated “for” one, you do to district9acbl.org/D9Clubsmap.htm. not get back your initial bet. However, Bridge article provided courtesy his single number win in roulette of St. Petersburg Bridge Club: receives 35-to-1, which is a 35-chip www.stpetebridge.org. payoff ($175), plus the original $5 chip on 13, which is either taken down, or some casinos permit dealers to let it ride. It sure could have gotten ugly had the 13 hit back-to-back. Security!

The Working Life

H

Entrepreneurs Gambling Wisdom of the Week: Oneasked fifth of “Someone once menew why in 2011 women don’tentrepreneurs gamble as much as were older adults.

A men do, and I gave the commonnewwe analysis by the sensical reply that don’t have as much money. ThatKauffman was a trueInstitute but that just over incomplete answer.shows In fact, women’s 20 percent of new total instinct for gambling is satisfied entrepreneurs are in by marriage.” –Gloria Steinem the 55 – 64 age group.

(SENIOR WIRE)

You Can Bet on This Easy Getaway

for Fun

BY KATHY BECK

T

he Beau Rivage Resort & Casino and Vision Airlines, which flies out of the St. Pete-Clearwater International Airport, make for an unbeatable weekend getaway. Last month, my husband and I took advantage of the convenient, direct $199 package deal including airfare on charter flight, ground transportation, two night deluxe accommodations and $50 freeplay. Like checking in for a cruise, we just handed our bags to the airport staff at check-in and started relaxing. Our luggage was delivered to our room upon our arrival.

Travel

The Beau Rivage Resort & Casino is MGM Mirage’s destination resort on the Mississippi Gulf Coast with the feel of a Las Vegas casino.

At first sight, I loved the elegance of the Beau Rivage architecture and design scheme, which was full of Southern charm. The atrium is filled with thousands of plants and flowers that are changed seasonally. We learned that, beginning in November, the public areas become a true holiday wonderland.

Our room was spacious and overlooked both the pool area and the

Gulf. It’s the life of leisure to hang out in the lushly landscaped pool area and then pop down for a bit of gaming whenever you feel like it.

The 85,000 square foot gaming area includes a 16-table poker room, 2,000 slot machines, a baccarat table and much more. I enjoyed the 25 cent slots mostly.

A state-of-the-art theater seats over 1,500 and features top entertainment throughout the year.

Twelve restaurants meant dining choices with offerings from traditional to exotic cuisine. The B R Prime restaurant combines glamour with great food. Two glass-enclosed, floorto-ceiling wine cellars give guests 400 wine options to choose from, and sommelier Mark Warren retrieves each bottle himself for dinner guests.

Other restaurant choices feature ethnic dishes, Memphis-style barbecue, a traditional casino buffet and much more, as well as four bars.

Our favorite spot was the EIGHT75 nightclub, which features live music every night and is rated one of the top nightclubs and bars in the country.

Not a gamer?

Go along with the group, and there’s still plenty to do. Consider Fallen Oak for golf amid more than 1,000 old oaks, pines and magnolias.

We met Red Hatters from the Tampa Bay Area who celebrated their birthdays with a fun visit to the Beau Rivage. (L to R) Christine Towers, Donna Fluno, Bernice Lavery, Paula Bazilla and Marilyn Waltz.

Reservations

Or maybe you’ll spend time strolling in the retail promenade featuring shops like Tommy Bahamas’, Da Milano and the $10 Boutique I used the fitness center’s weights and machines and visited the spa for a relaxing massage in one of 14 massage treatment rooms.

Don’t be fooled—it’s all about the destination. And making your own or your group’s destination the Beau Rivage Resort & Casino really is the easiest, most fun and economical way to go.

for travel packages may be made at 1 (877) GO2-BEAU. Packages start at $199 per person, double occupancy, plus taxes and fees, and are limited, subject to availability.

Flights leave Mon., Tues., Thurs., Fri. and Sat. Flights will depart PIE at 1:45 p.m. and arrive at Beau Rivage at 2:05 p.m. Flights leaving Gulfport/Biloxi will depart at 10:30 a.m. and arrive back at St. Pete-Clearwater at 12:50 p.m. (all flight times are local).

Coast Transit Authority (CTA) provides transportation around the Biloxi area.

Single rides: $1.25. Passengers over 60: $0.60.

Unlimited daily pass: $5. Coasttransit.com.

Lifestyles After 50 • October 2012 • page 9

Rebooting—What To Do When Your Career Is Over But Your Life Isn’t

Here lies a miser who cared for himself; He cared for nothing but gathering wealth.

Now where he is and how he fares Nobody knows and nobody cares.

—Old English Gravestone

T

he little verse above offers a sad picture: The man who cared nothing about others ends up with others caring nothing about him.

Phil Burgess’s book Reboot offers several themes for finding a satisfying and productive post-career life—a life to avoid that scene.

He absolutely rejects the idea of retirement into the “Golden Years” of endless leisure. Instead, he notes the following:

l. Later life begins at 50. That’s a good time to begin to think about your post-career years—what you want to be, what you are going to do and how you are going to manage your time.

2. Most of us, going by the averages, retire from our careers in our early 60s, which means that post-career life will, for most, be measured in decades. We need to use that time wisely to experience a life of meaning and to navigate a life that matters.

3. When we retire, most of us are at the top of our game, still able to contribute to family, community and society. That’s why it makes sense to continue to use our major gifts to help others and make the world a better place.

4. Of the three major gifts—time, talent and treasure—time is the most important. Time is the only

resource that cannot be replaced, so our major challenge is to decide how to manage our time to bring meaning in post-career years.

5. Of all the drivers of successful aging, the most important is social engagement or active participation with other people in purposeful activity. There are many paths to this, but work has many advantages (full-time, part-time, for pay, volunteer, good Samaritan, enrichment, etc.). Burgess calls work the “true North,” the thing which uses our gifts and entails social engagement.

6. We should take a two-chapter approach when rebooting to postcareer life. First is working in some capacity with obligations and accountability, and second is that which offers a life of leisure or life focused on activities of daily living.

7. A script can have many versions or releases, meaning that some revisions will be prompted by discovering that things didn’t work out in some way.

8. Different worldviews and belief systems share common perspectives about life’s purpose: That our purpose in life is to (a) help others, (b) repair or make the world—or our small piece of it—a better place in a way that is (c) fruitful and productive work for family and community and (d) satisfying to us.

His advice is to take a time-out when you retire in order to map out the rest of your life in a two-chapter plan that includes work in some capacity. It will improve your “health, wealth and moral well-being.”

From “Reboot: What to Do When Your Career is Over but Your Life Isn’t.

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Lifestyles After 50 • October 2012 • page 10

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Lifestyles After 50 • October 2012 • page 11

Life’s a Beach Getaway and a Trolley Ride!

I

f you’re in love with beaches but not crowds, this is the time to enjoy your hometown coastline. Off-season beach stays mean the perfect restful place to vacation, call in friends to join you and know beach life as it was meant to be. With lower hotel rates, it’s a breeze to relax.

Here’s a suggestion: Tell your faraway relatives and friends about lower hotel rates as well as off-season air fares.

Have them join you in a beach bargain vacation. You’ll all find fewer people and enjoy personal, individualized attention and service at area restaurants, golf courses and other services.

The vast stretches of Pinellas County beaches mean you might just sit in your beach chair and watch the gulls

standing at the water’s edge. They may seem to be performing just for you, but what they really want is your snack food. Maybe you will take long walks, pick up a few shells, wade out into the water a ways.

If you want to get out and sightsee, leave the car parked and take the Suncoast Beach TrolleySM to explore the unique beach communities.

Check out the shops on Corey Avenue, enjoy the sights at John’s Pass Village. Stop somewhere for a bite to eat and watch the sun set.

It’s the fun, easy and affordable way to do and see everything you want to on the beach. The trolley runs every 20 – 30 minutes from 5:05 a.m. to 10:10 p.m., Monday through Thursday and Sunday, with service until mid-

night on Friday and Saturday. Look for special trolley bus stop signs located frequently along the route. In addition to the services along Gulf Boulevard, connector routes run between the coast and downtown St. Petersburg.

PSTA Bus Operators do not carry cash or make change; exact fare is required. The bus and trolley fare is

just $2 per ride, or ride all day with a special $4.50 Go Card. Trolley fare boxes are equipped to handle $1, $5 and $10 bills but do not give change. For more information, call the PSTA at (727) 540-1900.

The trolley, the beach and the off-season rates make it easy to decide to take a beach break.

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Apartments, Motel and Efficiency Units located directly on the beach.

10450 Gulf Boulevard Treasure Island, FL 33706 For reservations call: (727) 360-4940 Lifestyles After 50 • October 2012 • page 12

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For more information on how you can advertise your business please contact Chuck BIngham at 813-293-1550 or e-mail chuck@lifestylesafter50.com

Prices subject to change.

T

om Rigney, a leading Cajun, Zydeco, blues and New Orleans style band from San Francisco, will be one of the 20 leading jazz festival bands at the 22nd Annual Suncoast Jazz Classic at the Sheraton Sand Key Resort at Clearwater Beach on Nov. 16 – 18.

The festival not only provides great jazz music, but it also provides opportunities for local youth to study and perform traditional jazz. Proceeds from the festival underwrite a scholarship program for young musicians and support area high school music programs.

Get tickets for a $100 weekend, which provides a badge with access to all 130 sets that will be played at four venues over the weekend. Daily passes are $40. Saturday is $50.

Go to suncoastjazzclassic.com.

Information at (727) 536-0064.

U 12 18 20

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p and down the west central Florida coast, you’ll find opportunities to celebrate Florida!

– 13 Fine Swine in the Pit, Mulberry. Games, music, BBQ. More info at (863) 712-0625.

– 21 Clearwater Jazz Holiday, Coachman Park, St. Pete. Four days, free. Call (727) 461-5200.

Micanopy Fall Harvest Festival in “The town that time forgot.”

NE. Cholokka Blvd., Micanopy.

Info at (352) 466-7026 or email micafest@micanopyfallfestival.org.

20

– 21 Rattlesnake Festival, San Antonio. Snakes, gophers, entertainment, Rattlesnake Run, Miss Rattler Pageant, food, entertainment.

(352) 588-4444; rattlesnakefestival.com.

26

– 28 Sarasota Pumpkin Festival, Sarasota. Circus acts, carving contests, music, vendors. Info online at sarasotapumpkinfestival.com or call (941) 706-7605.

27

– 28 John’s Pass Seafood Festival, Madeira Beach. Fishing expo, oyster-eating contest, crab races, juried arts and crafts show, life entertainment. Info: (727) 391-6025 or visit johnspassfestivals.com.

Lifestyles After 50 • October 2012 • page 13

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Health insurance is offered by Blue Cross and Blue Shield of Florida, D/B/A Florida Blue. HMO coverage is offered by Health Options, Inc., D/B/A Florida Blue HMO, an HMO subsidiary of Florida Blue. These companies are Independent Licensees of the Blue Cross and Blue Shield Association.

Y0011_74369 0812 CMS Accepted Lifestyles After 50 • October 2012 • page 14

Veterans Corner

Museums Tell Military Stories Year After Year Florida Air Museum at Sun ‘n T Fun, Lakeland. (863) 644-2431

he fall and winter seasons are good times to make day trips to Florida’s wealth of specialty military museums. The following list notes some of the museums you might enjoy.

Florida Military Aviation Museum, Clearwater. (813) 535-9007 Flying Tigers Warbird Restoration Museum, Kissimmee. (407) 933-1942 Military Heritage Museum, Punta Gorda, Artifacts and memorabilia from Civil War to the present. (941) 575-9002

Armed Forces History Museum, Largo. Private collection of vehicles, MIG 21, helicopters, specialized military pieces, one of a kind artifacts & more. (727) 539-8371 Air Force Space and Missile Museum, Patrick A F B. Daily tour. (407) 853-9171 USAF Armament Museum, Eglin Air Force Base. Armament and aircraft displays. (904) 882-4062 Camp Blanding Museum, Starke. (904) 533-3196

Museum of Military Memorabilia Display, Naples Municipal Airport. (941) 575-0401 National Museum of Naval Aviation, Pensacola.

(850) 452-3604 Smedley National Vietnam War Museum, Orlando. Artifacts, mementos, equipment. Open weekends only. (407) 601-2864 S.S. American Victory, Tampa. Restored Merchant Marine ship. (813) 228-8769

• Friendly drivers attentive to special needs • 65 and older or disabled 55 and older • Wheelchair accessible • 8am-6pm, Monday through Saturday • Available throughout Pinellas County (Hillsborough and Pasco also available at a flat rate)

727-571-4384 www.Neighborly.org

Want to help seniors in our community? Volunteers are needed.

seniors

UDT SEAL Museum, Ft. Pierce.

Collections and displays from SEAL history. (561) 595-5845

Veterans Tribute & Museum of Osceola County, Kissimmee. Huge collection inside Osceola Square Mall in Kissimmee. (407) 931-3133

Fantasy of Flight, Polk City.

Huge private collection and rides in historic planes. (863) 984-3500

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Civil War Soldiers Museum, Pensacola. (850) 469-1900

DeLand Naval Air Station Museum, Deland. F-14 Tomcat jet fighter, WWII TBF Avenger torpedo bomber. (386) 873-2976

EZride: The key to senior independence.

Valiant Air Command Warbird Museum, Titusville. (321) 268-1941

You can also find information about these museums online. Always check days, times and prices.

Come meet “Winter” the dolphin who lost her tail in a crab trap, now swims freely.

Senior $2offAdmission

(55+)

Good forGood up to Not Not valid with other for6uppeople. to 6 people. valid with otheroffers. offers.

Expires December 31, 2011.

XSCA Expires October 31, 2012.Code Code XSCA

Clearwater Marine Aquarium 249 Windward Passage • Clearwater, FL 33767

(727) 441-1790

www.SeeWinter.com Lifestyles After 50 • October 2012 • page 15

A happy marriage

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any people with hearing difficulties wait up to 10 years before seeking treatment because the problem is unrecognized. Only one out of five people who could benefit from a hearing aid actually wears one.

Facts: • Everyone should have a baseline hearing exam beginning at age 50 and annually thereafter.

• Hearing loss is associated with poorer cognitive function and risk of dementia.

• People living with uncorrected hearing loss retreat from enjoying TV, talking on the phone, socializing with friends and family.

Hearing exams are offered at no charge at Bob Evans Hearing Centers. We offer risk free trials.

Selection Factors: Pricing—We offer interest free financing as well as economical lines of hearing instruments, so budget concerns should not be an obstacle to seeking treatment.

Product lines—We are a multi-line practice which offers a variety of hearing instruments, featuring state-of-theart technology for greater clarity and speech audibility than previous models.

Accessibility—We have three convenient locations in Pinellas County. State certified test booths are at each location.

Don’t wait to address your hearing loss. You have everything to gain and nothing to lose! Call Bob Evans Hearing Centers at (727) 393-3775, M-F, 9 –5. Sat. by appointment.

Principal Practitioners • Robert D. Evans, H.A.S., BS, NBC-HIS • Angelika Stieren, Audiology, MS, CCC-A Bob Evans Hearing Centers is a family practice serving Pinellas County for 23 years. Bob and Lynda Evans offer this promise to their patients: “Satisfaction with your new hearing instruments is our top priority. We will always make time to help you. If you’re not satisfied, we are not satisfied. It’s that simple – we promise.”

Diabetics, Don’t Lose LAST CHANCE FOR 2012 BENEFITS Your 2012 Shoe Benefit T Are you or a loved one

diabetic and have Medicare Part B? The Diabetic Therapeutic Shoe Benefit may provide those with Medicare Part B one pair of approved extra-depth shoes and 3 pairs of arch supports per calendar year.

Foot Solutions carries a wide range of products for people with Diabetes: stylish comfort shoes • custom arch supports • diabetic socks • foot care items

Call now or check our web site for more information LARGO MALL • 727-585-4200 10500 Ulmerton Road next to Michaels Open Monday-Saturday 10-6

www.TampaBayFootSolutions.com Lifestyles After 50 • October 2012 • page 16

he Medicare Therapeutic Shoe Bill provides proper footwear and inserts for people with diabetes who qualify under Medicare Part B. Each calendar year, Medicare will pay 80 percent of the cost of one pair of shoes and three pairs of heat molded inserts specifically approved for the diabetic foot, and the remaining 20 percent that Medicare does not pay may be covered by your secondary insurance.

“This program was designed to help prevent complications such as lower limb ulcers and amputations for individuals who suffer from diabetes,” says Lauretta Fernandez, licensed board certified pedorthist and owner of Foot Solutions. “And you’d be surprised at the variety of stylish and comfortable shoes that qualify under this program.”

Ask your doctor to complete and sign the appropriate paperwork and give you a prescription for one pair

of approved shoes and three pairs of diabetic inserts; Foot Solutions can provide you with the right forms. Then return the Statement of Certifying Physician Form and the prescription (both completed by your physician) when you schedule your fitting at Foot Solutions in Largo.

But remember that you must take advantage of this benefit before the end of the year.

“Don’t lose your 2012 benefits because you waited until the last minute,” concluded Fernandez. “Call Foot Solutions in Largo right away, while there is still plenty of time for your doctor to complete the necessary paperwork and for us to fit you properly.”

Foot Solutions in the Largo Mall is a board accredited provider for the Medicare Therapeutic Shoe Program. Call (727) 585-4200 or go to www.TampaBayFootSolutions. com for more information.

Age-Related Macular Degeneration

A

ge-related macular degeneration (AMD) is the leading cause of blindness in people over the age of 55, affecting more than 10 million Americans. It is a condition in which the central portion of the retina (the macula) deteriorates. It is equally common in men and women and more common in whites than blacks. The cause is unknown, but the condition tends to run in some families. There are two forms of macular degeneration: atrophic (dry) and exudative (wet). Approximately 85 – 90 percent of the cases are the dry type. Both forms of the disease may affect both eyes simultaneously.

Currently there is no cure, but here are some age-related macular degeneration treatments that could prevent severe vision loss or slow the progression of the disease considerably.

• Anti-angiogenic drugs such as the recently approved Eylea, Lucentis, Avastin, and Macugen are injected directly into the eye, and are often effective.

with the help of your ophthalmologist. The earlier you have macular degeneration diagnosed, the better the chance that treatment will help.

• People older than 45 years with a family history of age-related macular degeneration have a greater chance of developing the disease.

• Use an Amsler grid to help you detect subtle changes in your vision. Monitor your vision daily by posting it on your refrigerator.

• Stop smoking, eat a balanced diet that includes leafy green vegetables and protect your eyes from sun exposure with sunglasses that block ultraviolet (UV) sunrays.

• Supplementation with antioxidants plus Lutein may decrease the likelihood of developing advanced agerelated macular degeneration in some.

• Laser therapy.

Bladeless laser refractive cataract surgery is now a reality, and it's available at St. Michael's Eye & Laser Institute in Largo.

Traditional cataract surgery is considered to be one of the safest and most successful procedures performed in medicine today. Now, a technological breakthrough with the bladeless laser cataract surgery is available that has significantly improved the precision of several of the most critical steps in cataract surgery.

With laser cataract surgery Dr. Michaelos at St. Michael's Eye & Laser Institute will customize your procedure to your eyes unique characteristics, resulting in better visual outcomes while potentially making cataract surgery even safer.

Find out why Dr. Michaelos and St. Michael's were chosen to be the first group in Central Florida to perform Laser Cataract Surgery!

Your vision will thank you!

"Laser cataract surgery is the most precise and least invasive lens surgery we have ever done. Our patients are seeing our best results ever!"

• Photodynamic laser therapy.

• Vitamins such as Lutein.

• Low vision aids.

• Several genetic tests are currently available and/or under development.

Because some people with the dry form of age-related macular degeneration may develop the wet form, those with the dry form should monitor their vision daily and notify their Retina Specialist or Ophthalmologist of any changes in their vision. Recently, the FDA approved the new drug Eylea, which treats patients with wet agerelated macular degeneration (AMD).

If you have the wet form of macular degeneration, even if it’s been treated, you should have your vision checked regularly to see if any blind spots grow bigger or if any new blind spots appear. New blood vessels can emerge months or years after you have had successful injections or laser treatment.

Macular degeneration cannot be prevented, but it may be controlled

Why Laser Cataract Surgery?

John L. Michaelos, M.D.

John Michaelos M.D. of St. Michael’s Eye & Laser Institute Tampa Bay’s Premier Eye & Laser Center Dr. John Michaelos started his practice in Largo and brought with him the skills needed for new technologies that were available for laser vision correction, improved techniques for cataract surgery and new cosmetic procedures. He continues to keep up to date with the latest technology through continuing education. His specialties include: General Ophthalmology, Refractive Lensectomy, Corneal Transplants, Cataract & Lens Exchange Surgeries and Cosmetic Procedures.

1018 West Bay Drive Largo, Florida 33770 Phone: 727.585.2200 www.stmichaelseye.com

Lifestyles After 50 • October 2012 • page 17

Seniors Caught Gambling with Teeth

2. According to the CDC, older adults may incur new cavities at s of the number of older higher rates than children. Seniors Americans increases, there are frequently get root cavities because new challenges in senior dental care. of gum recession from periodontal Financial resources, lack of knowledge disease or vigorous brushing about appropriate dental care, medica- that has eroded the gum line. tions, chronic health conditions and a decline in mobility can all affect how Lack of oral care can seniors are able to care for their teeth. cascade into a litany of Lack of oral care can cascade into problems that affect not a litany of problems that affect not only the health of teeth and gums only the health of teeth and but also quality of life. Consider gums but also quality of life. these precise reasons why dental care and the need for dental insurance 3. Medication frequently causes “dry doesn’t stop at retirement: mouth” by reducing saliva flow.

1. When dental care is neglected, More than 500 drugs, including the probability of periodontal disease medications such as antihyperrises, which increases the risk of tensives and antidepressants are tooth loss and also exacerbates associated with dry mouth. This other medical conditions, including affects the teeth because saliva cardiovascular disease, lung contains components that protect problems, jaw joint problems tooth enamel and also reduces (TMJ), and some forms of cancer. bacteria that causes tooth decay.

BY NICHOLAS M KAVOUKLIS, DMD

A

Lifestyles After 50 • October 2012 • page 18

4. For diabetics particularly, gum disease can be a two-way problem: Diabetes can make gum disease worse, and, in turn, gum disease makes it harder to control blood sugar.

5. Regular dental care is a first line of defense against oral cancer, which most affects seniors over age 60. This

deadly cancer is diagnosed in approximately 40,000 Americans annually, and more than 8,000 die from it every year. The disease is treatable when caught in its earliest stages.

Seniors should brush twice a day with fluoride toothpaste, floss daily and see a dentist a minimum of twice a year for preventive exams and cleanings. Cavities, a broken tooth and even gum disease are painless in early stages. Waiting to call a dentist until you have a painful problem can be a costly mistake.

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Lifestyles After 50 • October 2012 • page 20

Lifestyles After 50 • October 2012 • page 21

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Lifestyles After 50 • October 2012 • page 22

The Healthy Geezer

BY FRED CICETTI

Q lower your cholesterol

. Can eating oatmeal really

or are the cereal companies selling us a story?

The short answer is yes, oatmeal can lower your cholesterol.

Now for the long answer.

There are two types of fiber, soluble and insoluble. Soluble fiber is acted upon by the normal bacteria in your intestines. Insoluble fiber is not digested by the body and promotes regularity and softens stools. Wheat bran, whole grain products and vegetables are good sources of insoluble fiber.

Soluble fiber appears to reduce your body’s absorption of cholesterol from the intestines. Oatmeal contains soluble fiber that reduces your lowdensity lipoprotein (LDL), the “bad” cholesterol that can increase your risk of heart attacks and strokes. This type of fiber is also found in such foods as kidney beans, brussels sprouts, apples, pears, barley and prunes.

The American Dietetic Association recommends a healthy diet include 25 to 35 grams of fiber a day, including both soluble and insoluble fiber. (Soluble fiber should make up 5 to 10 grams of your fiber intake.) However, Americans only consume about half that amount.

There are other foods that work against cholesterol.

Soy protein, found in such products as tofu, soy nuts, soy milk and soy burgers, can help lower blood levels of LDL cholesterol, particularly when it’s substituted for animal protein.

Ingesting 25 to 50 grams of soy protein a day lowers LDL cholesterol by 4 percent to 8 percent. That’s a lot of soy. People with the highest cholesterol levels seem to benefit the most from soy protein.

Women with breast cancer or who are at high risk of breast cancer should consult with their doctors before eating soy, because it is not clear how these plant estrogens might affect them.

Studies have shown that walnuts can significantly reduce cholesterol levels in the blood.

Rich in polyunsaturated fatty acids, walnuts may also help keep blood vessels more healthy and elastic.

When walnuts represent 20 percent of the calories in a cholesterol-lowering diet, they reduce LDL cholesterol by 12 percent. Almonds appear to have a similar effect. All nuts are high in calories, so use them as replacements for high-calorie foods with high levels of saturated fats.

Omega-3 fatty acids in fish are noted for lowering triglycerides, another form of fat in your blood.

They also benefit the heart in other ways. The highest levels of omega-3 fatty acids are in mackerel, lake trout, herring, sardines, albacore tuna and salmon. Other good sources of omega-3 fatty acids include flaxseed, walnuts, canola oil and soybean oil.

Some foods are fortified with plant substances called sterols or stanols, which are similar in structure to cholesterol; this helps them block the absorption of cholesterol in the intestines. Margarines and orange juice that have been fortified with plant sterols can help reduce LDL cholesterol by more than 10 percent.

The American Heart Association recommends foods fortified with plant sterols only for people who with high levels of LDL cholesterol.

You may want to try eating more soluble fiber, soy protein, walnuts and fatty fish. The next step would be the addition of foods fortified with plant sterols. Eating a combination of these cholesterol-lowering foods increases the benefit.

Of course, if you’re a geezer and you plan to make a change in your habits that could affect your health, it is recommended that you consult your doctor first.

If you would like to read more columns, you can order a copy of “How To Be A Healthy Geezer” at www.healthygeezer.com. All Rights Reserved © 2012 by Fred Cicetti.

Here’s How to Look Younger Instantly L

adies, want to look instantly younger? Here are six tricks to do the job:

l. Break up with your black bag. Using the same old black handbag makes you appear set in your ways (remember Grandma’s pocketbook? Enough said.) Take inventory of the bags you have – if they’re all black or brown, it’s time for something new.

Bags no longer have to match your shoes, so add some color. Pick a pale color for summer and in the fall, opt for jewel tones such as royal blue, red, forest green or maybe an animal print.

Retirement Living 2. Step away from sweats. Yes, baggy clothes and stretch fabric can equal comfort, but they can also make you look, well, frumpy. Instead, choose fabrics that have some stretch but are

also fit so they flatter your body. Check the label and look for 4 or 5 percent spandex. A firmer fabric will actually hold you in and make you smoother.

3. Embrace flat-front. Once and for all: Pleated-front pants with a high waist are NOT flattering. When women started wearing pants, they wore pants designed just like men’s pants and they fit the same way. But today it’s easy to find a good fit.

Have a tummy and think those pleats are hiding your pooch?

Reality check: Pleats are actually accentuating the negative. Instead, look for slimming flat-front trousers with a straight or boot-cut leg, which hangs straight down from you hip.

As for the waist: An inch under your navel is universally flattering.

4. Add new scarves. Tying a little silk scarf around your neck is an instant ager. Still, a good scarf is like

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adding frosting to the cake. Today’s scarves add color, texture and shine; they are more sheer and longer, so wrap them around your neck several times.

5. Switch to stylish shoes that are also sensible. There are shoes with extra arch support, shoes that are made wide for bunions, shoes with non-skid bottoms and more. But they don’t have to be just black or white and plain. There are plenty of choices that have color and texture with embellishments like buckles. Metallics, bows and wedge boots will be hot this fall.

6. Say “yes” to shape wear.

Girdles? Today it’s called shape wear and that what it does—it shapes you by moving, containing and controlling, in a less painful way than girdles of yesteryear. And they can make you appear up to 10

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Medicare Answers Dear Marci, My grandmother is homebound and needs a home health aide to help her bathe, dress and use the bathroom. Will Medicare pay for her home health aide? —Kristine

D

ear Kristine, Medicare will only pay for a home health aide if your grandmother meets all of the requirements necessary to qualify for the Medicare home care benefit. To qualify for the Medicare home care benefit, your grandmother must:

• Be homebound, meaning it is extremely difficult for her to leave the home and she requires help to do so.

• Need skilled nursing care on a part-time basis or skilled therapy services. Skilled care is when the care can only be safely administered by a licensed nurse or therapist.

• Have a face-to-face visit with a health care professional. Her doctor may sign a home health certification, verifying that she has had this visit and that she qualifies for home care because she is homebound and needs skilled care.

• Receive certified care from a Medicare-certified home health agency (HHA).

If your grandmother fulfills all of these requirements, Medicare will pay for skilled care in her home as well as care from a home health aide. A home health aide will provide personal care services, such as help with bathing, using the toilet and dressing.

Keep in mind that her doctor will need to approve her plan of care every 60 days. As long as your grandmother continues to meet Medicare coverage rules, Medicare should continue to cover her care.

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Battle of the Bulge

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ne of life’s mysteries is how a two-pound box of chocolates can make a woman gain five pounds.

The older you get, the tougher it is to lose weight because by then your body and your fat are really good friends.

Lifestyles After 50 • October 2012 • page 26

Amazing! You hang something in your closet for a while and it shrinks two sizes.

Chocolate is a universal color and may be substituted for any food color.

Remember: “stressed” spelled backwards is “desserts.”

T

he symptoms of a stroke are sometimes obvious, like numbness or weakness on one side of the face, trouble speaking, difficulty walking and vision problems. Some strokes, though, pass completely unnoticed but can have a significant and lasting effect on memory.

These so-called silent strokes create pinpoints of dead cells in the brain that often don’t affect areas of the brain associated with movement or speech.

During a typical ischemic stroke, a blood clot blocks a blood vessel that feeds part of the brain. Without a steady supply of blood, cells in that area malfunction and may die.

Symptoms that appear reflect the functions that were controlled by the affected part of the brain. During a si-

lent stroke, the interruption in blood flow occurs in part of the brain that doesn’t control any vital functions.

Although it doesn’t cause any obvious symptoms— most people who’ve had a silent stroke have no idea it occurred—silent strokes could interrupt the flow of information in the brain needed for memory, especially if several of these strokes occur over time (which is the most common scenario). Damage from silent strokes can accumulate, leading to more and more memory problems.

If you are experiencing signs of memory loss, don’t dismiss it as a normal part of aging. See your doctor for testing to make sure the issue isn’t a silent stroke.

Information from Harvard Women’s Health Letter.

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Memory Pill Does for the BrainWhat Prescription Glasses Do for the Eyes, Claims US Surgeon General Candidate Remarkable changes observed, helps restore up to 15 years of lost memory power in as little as 30 days!

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Lifestyles After 50 • October 2012 • page 27

Tomorrow is based on what you do today.

No matter what happens in your future, you need to be ready for it. You need to set goals for it, save for it and invest carefully. You need to make fiscal responsibility a personal value. Most of all, you need a strategy.

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The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. © 2011 Morgan Stanley Smith Barney LLC. Member SIPC. GP11-01362P-N09/11 6797930 MAR003 10/11

Municipal Bond Basics, Part One

Credit Quality s an asset class, municipal bonds offer a degree of creditworthiness that is considered second only to US Treasury and Agency debt. The vast majority of municipal bonds are rated by one or more of the three leading credit rating agencies, Moody’s Investors Service, Standard & Poor’s and Fitch Ratings, giving investors the ability to decide which level of credit quality they are comfortable with in relation to their investment objectives.

Some municipal bonds come to market with bond insurance, which guarantees the timely payment of interest and principal when due, should the insured bond issuer default. The insurer ultimately assures the repayment of principal and interest; consequently, insured bonds usually are assigned the higher of either the issuer’s or the insurer’s credit rating.

Therefore, for issuers with ratings lower than the insurer’s, the insurance provides a higher credit rating than would otherwise be assigned for the bond issue.

Investors rely on credit ratings to assess an issuer’s ability to make timely pay-

A

ments of interest and principal. Bonds whose ratings are considered “investment grade” may be suitable for conservative investors. However, it’s important to remember that credit ratings are subject to change without notice at any time.

Before investing, you should review a bond’s credit rating and understand the effect a rating change would have on your investment. Securities rated below investment grade are generally suitable for aggressive investors only.

Daniel Edmondson is a Financial Advisor with Morgan Stanley Smith Barney in Tampa, FL. Although Daniel Edmondson has helped to underwrite the production cost of the magazine to feature this article in its publication, it is not a solicitation nor is it intended to provide individually tailored investment advice. The strategies and/or investments referenced may not be suitable for all investors. The views expressed herein are those of the author and may not necessarily reflect the views of Morgan Stanley Smith Barney LLC, member SIPC. Daniel Edmondson may only transact business in states where he is registered or excluded or exempted from registration http://brokercheck.finra.org/Search/Search. aspx]. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Daniel Edmondson is not registered or excluded or exempt from registration.

Interest on municipal bonds is generally exempt from federal income tax; however, some bonds may be subject to the alternative minimum tax (AMT). Typically, state taxexemption applies if securities are issued within one’s state of residence and, if applicable, local tax-exemption applies if securities are issued within one’s city of residence. Insurance does not pertain to market values, which will fluctuate over the life of the bonds; FAs/PWAs should inform clients that insurance covers only the timely payment of interest and principal when due. Credit ratings shown may be the higher of the ‘underlying’ rating of the issuer or the rating of any insurer providing credit enhancement to the bonds. It is important that you obtain the underlying credit rating of the issuer and consider it as a factor in any investment decision. Information on the underlying credit rating of the issuer can be obtained from your FA/PWA. The tax-exempt status of municipal securities may be changed by legislative process, which could affect their value and marketability.

The value of fixed income securities will fluctuate and, upon a sale, may be worth more or less than their original cost or maturity value.

Morgan Stanley Smith Barney is not acting as a municipal advisor and the opinions or views contained herein are not intended to be, and do not constitute, advice within the meaning of Section 975 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Morgan Stanley Smith Barney and its Financial Advisors do not provide tax advice. Individuals are urged to consult their tax advisor regarding their own tax or financial situation before implementing any strategies.

Two Tax-friendly Ideas for Your Extra Retirement Cash

I

f you’re a retiree with more than enough money at the end of each month, don’t let excess cash stack up in your checking account. Instead, take a deliberate approach to putting the money to work. One option is to help others with education expenses.

Finance Helping Future Generations through College

If you want to help grandchildren or others with their education, consider investing in a 529 College Savings Plan, which provides federal income tax-free withdrawals for qualified education expenses. Withdrawals for purposes other than qualified educational expenses are subject to income tax and can incur an additional tax of 10 percent on the earnings in the account. Contribution limits are very high and unlike IRAs, they aren’t affected by an investor’s income level.

Lifestyles After 50 • October 2012 • page 28

Other 529 plan benefits:

• Lump-sum contributions of up to $65,000 ($130,000 for married couples) can be made without triggering gift taxes in a single year through the accelerated gift option unique to 529 Plans. However, with this option you can’t give additional gifts to a grandchild during the five-year period without incurring the gift tax.

Don’t let excess cash stack up in your checking account. Instead, take a deliberate approach to putting the money to work.

• Money you contribute is removed from your estate, which means that amount will not incur estate taxes, even though you maintain control over it.

• Provided you don’t establish the 529 in a custodial account, you’ll have the ability to change who gets the benefits.

• There is minimal effect on financial aid since it is not considered the child’s asset.

How do you choose a 529 plan?

There are many plans, each sponsored by an individual state.

First, find out if your state provides tax breaks for contributing to its plan.

If it does, it may be best to use it.

If not, find a plan with competitive

investment options, reasonable expenses and reward services.

The direct route: If your loved ones are already in college, you can pay some or all of their tuition directly. It won’t count against the annual limit on tax-free gifts—if your check is made out to the school and not to the student you’re helping.

Information from USAA.

For people with Medicare

The Service You Want… The Care You Deserve

MIAMI DADE - BROWARD - PALM BEACH - ORLANDO - TAMPA

In order to make the right decision you must choose the right Plan

• Up to 1,198 a year Part B refund • Silver Sneakers Program®* • Hearing • Vision • Dental* • Unlimited Transportation* $

*

75

$

*Up to in Over the Counter health items

1-855-431-1609 • (TTY/TDD) 1-800-955-8770 7 days a week 8:00 a.m. - 8:00 p.m. Oct. 15th to Feb. 14th • Monday - Friday 8:00 a.m. - 8:00 p.m.

Outside dates mentioned • www.floridahealthcareplus.com

A Health Plan with a Medicare contract. The benefit information provided herein is a brief summary, not a comprehensive description of benefit. For more information please contact the plan. Benefits, Formulary, Pharmacy network, premium and/or co-payments/co-insurance may change on January 1st 2014. You must continue to pay your Part B premium. You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call 1-800-MEDICARE (1-800-633-4227) (TTY/TDD 1-877-486-2048) 24 hours a day, 7 days a week; The Social Security Office at 1-800772-1213 between 7 am and 7 pm Monday through Friday TTY user should call 1-800-325-0778; or Your State Medicaid Office. You can also contact Florida Healthcare Plus Customer Service Department at 1-866-988-2210, we are open 7 days a week 8am to 8pm October 15, 2012 until February 14, 2013 then Monday through Friday 8am to 8pm. (TTY/TDD users should call 1-800-955-8770). This info is available for free in other languages, contact Florida Healthcare Plus for additional information. *Limitations, copayments, and restrictions may apply.

H4199_MKT_FLY_120_FILE&USE_08162012 Lifestyles After 50 • October 2012 • page 29

���������Insurance A Hold-Up ������Discounts ���� BRIDGE BITES

Join The Florida Orchestra for

Music��in��� the ���Mornings ����������

For Mature Drivers Play From The American Contract Bridge League

at one of our two matinee series!

those suits. He also showed up with 3 Diamonds. That leaves two Clubs at most. But would East bid so much with 4=4=3=2 distribution and virtually no HCP? No, it seems more likely that East is 5=4=3=1 and, if so, Declarer must hope that East’s Club is the Jack or Ten or Nine. She cashes the ♣A and, seeing East’s Ten, prepares to take an impressively deep finesse of the Eight on the second round!

Well counted for 11 tricks except for one tiny detail. That’s right, West can also count and he inserts the Nine on the second round of Clubs. Now Declarer is locked in Dummy with no safe way back to his hand (if he plays a Spade, East will be sure to win and fire a Heart through). Down one.

Declarer’s play was flawless right up to the point where he called for fter N-S reached 3NT, East, Take Your Class Online!

Dummy’s ♠A at Trick 1. Instead, he figuring that his side had a • Study at your leisure, 24 hours a day, 7 a week. must hold updays the Ace and win the secprofitable sacrifice, offered his ond round. lateranswer in the play, • Simply read the course onlineThat andway, then partner a choice between 4♥ or 4♠.materials he can get safely back to hand with a This apushed N-S toquestions. the perilous few quiz Spade ruff and take that second Club contract of 5♦, as you will • There is which, no need to attend boring classes or listen to finesse. Yet another contract bites the see, Declarer is about to bungle. long5♦lectures. dust because of hasty play at Trick 1.

Against West leads the ♠K, won After completion, of are course weVisit willacbl.org issue aforstate-certifi more about ed by•Dummy’s Ace and trumps the fascinating game of bridge to drawn.

Declarer can count 10 top certificate for you to turn into your insurance company or email marketing@acbl.org. tricks, but where is the 11th?

Not the receive your discount for a three year period.

To find a bridge club in Florida, go ♥K as West needs the ♥A to justify his Takeout Double. That means that a 4th to district9acbl.org/D9Clubsmap.htm.

Take Mature Driver On The Internet!

Bridge article provided courtesy Club trick Your is required.

Are Clubs 3-3? Course of St. Petersburg Bridge Club: Let’s count the hand. East bid both If you have a Florida Driver’s License and are 55 years of www.stpetebridge.org. majors and is no doubt at least 4-4 in

BY BRIAN GUNNELL

���������������������� ��������������������� �� Coffee Concert Series ���coffee ����and��doughnuts �����as�well Enjoy complimentary as lively ��� ����� commentary by the conductor and Pre-Concert Conversations in the hall one hour before curtain. The 7-concert series in St. Petersburg starts at $134, and a 3-concert package in Clearwater starts at $58.

Progress Energy Morning Masterworks This 3-concert matinee series is designed for fans who love hearing our traditional, classical Masterworks programs and prefer attending daytime concert performances. Prices start at $90.

Subscribers to both series receive all of the Premium Package benefits, including premium reserved seats and free flexible ticket exchanges.

First Coffee Concert of the Season November 1!

Music of the Homeland

Have Florida’s Driver’s License ��a�� � � �� � � � age ���or�older? � and are 55 years of��

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age or older, you are now eligible to complete motor vehicle accident prevention course that will allow you to receive a mandatory reduction on your insurance rate for three years.

The Working Life

Stuart Malina conducts this morning Coffee Concert featuring select movements from Sibelius’ Finlandia, Dvorak’s Slavonic Dances Nos. 7 & 3, and Enesco’s Rumanian Rhapsody No. 1.

Sponsored by: Progress Energy Center for the Arts Mahaffey Theater

727.892.3337 or www.FloridaOrchestra.org For group savings (10 or more) : 727.362.5443 9/20/2012 4:40:07 PM

Florida Department of Highway Safety Entrepreneurs Course One fifth of new

Boomers Motor Vehicle ow do you fit the&boomer mold? Approved A 2012 analysis from the Bureau of Labor Statistics shows that younger baby boomers held an average of two different jobs from age 35 – 46. According to the report, the average person born in the latter years of the baby boom (1957-1964) held 11.3 jobs from age 18 to age 46.

H

Thu, Nov 1, 11am

Lifestyles 50 • October TFO-Senior After Connection-October.indd 1 2012 • page 30

© Thomas Bruce Studio

����������������� ����������������� ����������������� 2012/2013 � ��������������� Season

entrepreneurs in 2011 were older adults. A new analysis by the Kauffman Institute shows that just over 20 percent of new entrepreneurs are in the 55 – 64 age group.

To Register go to:

www.seniordriverclass.com

or call 1-800-771-2255

Lifestyles After 50 • October 2012 • page 31

I

t’s the fall football snacking season, and popcorn is definitely the American snacking staple. Innovations with popcorn have mostly been in how it was cooked—in a pan over an open fire or a burner, in an electric popper and then to the microwaveable pre-measured bag. Now it’s time to spice up this old favorite.

Recipe Buffalo Style Popcorn Recipe ingredients 2 1/2 qt popped corn 2 cups corn chips, slightly broken 1 cup dry roasted peanuts 1/4 cup butter 2 Tbsp. Louisiana style hot sauce 1 tsp. celery seed 1/4 tsp. salt, optional

In small bowl, place 2 cups popped corn. Set aside. Combine remaining popcorn with corn chips and peanuts. In small saucepan, melt butter with hot sauce, celery seed and salt. Pour over popcorn-peanut mixture, tossing gently to coat.

Spread on 15 x 10 inch baking sheet. Bake at 350 degrees F for 10 minutes.

Remove from baking sheet to large serving bowl. Toss with remaining 2 cups popped corn. Serve immediately or store in airtight container.

In 1947, Chuck Yeager traveled faster than the speed of sound for the first time and reported hearing the “…world’s secondmost perfect pop.”

Spicy Cheese Popcorn

Recipe ingredients 1/4 cup butter, melted 1/2 tsp. paprika 1/2 tsp. chili powder 1/2 tsp. garlic salt 1/4 tsp. onion powder 8 cups popped corn 1/4 cup grated Parmesan cheese Combine butter, paprika, chili powder, garlic salt and onion powder. Pour over popped corn.

Stir to coat popcorn evenly.

Please enclose this form with your entry. (make sure to sign the bottom) Mail to: News Connection USA, Inc. P.O. Box 638, Seffner, FL 33583-0638

A F T E R 50

Presents...

Enter Now! GRAND PRIZE WINNER Will receive a

2 NIGHT STAY AT THE THE GAYLORD PALMS RESORT, ORLANDO FOR 4

Could Your Grandchild’s Photo be a Winner?

Christmas Celebration.

Selected photos will be published in upcoming issues of Lifestyles After 50 magazine. Photos will be on display at the Lifestyles After 5o Extravaganza November 14, 2012 at the Largo Cultural Center, 105 Central Park Dr., Largo FL 33771 Call 1-888-670-0040 for more information.

X1st Place Winner $75 X 2nd Place Winner $50 X 3rd Place $25 Lifestyles After 50 • October 2012 • page 32

Turn mixture onto baking sheet. Bake at 325 degrees F for 7 to 10 minutes, or until crispy. Stir once. Sprinkle with cheese and toss to coat evenly.

Let stand on baking sheet, stirring once or twice as mixture cools.When thoroughly cool, divide the popcorn into sandwich bags.

RULES:

Photos should be: Maximum size 8 1/2” x 11”, printed on photo paper only. Maximum 5 entries per person.

NO professional photos. Please no photos by e-mail.

Grandparent Name Address City

State

Zip

Phone Photo Title Sender’s Age(s)

Subject’s Age(s)

Subject’s Name Photo release signature Entries must be received by Nov. 7, 2012 to be entered in the Photo Contest. (Send your photos in early so we can share them with our readers). Photos will be returned within 45 days after contest ends, if you include a self-addressed stamped envelope (large enough to fit your photo) and name and address on the back of the photo.

LC

Long-Distance Bonding Ideas for Grandparents 4. Play 20-Questions via E-mail

—This can be an ongoing game, with you setting the level of difficulty higher and higher. The neat thing about doing this by email is that it’s a process that can take a few days or a few weeks. The continuous back-and-forth helps keep the lines of communication open.

1. Mail Call!—

Texts. IMs. Facebook.

Twitter. Email. Our computers offer us a multitude of ways to communicate with our grandchildren. However, unlike email or texts, “snail mail” gives kids a tangible reminder of you that they can hold in their hand, enjoy over and over again and even take to school for show-and-tell.

2. Be a Puzzler— Are you an artist, or just a doodler?

Instead of sending your grandchild a picture, why not make it more fun by turning it into a jigsaw puzzle? You can buy blank puzzles for under $1, in a variety of shapes and sizes, that you can decorate with a picture. If you aren’t so artistic, write a message written in marker. Many puzzles even come with an appropriately-sized envelope.

3. Create a Fantasy Sports League—Ignite

a friendly rivalry between you and your grandchildren by inviting them into your fantasy sports league.

A little trash talking never hurt anyone—poking fun at each other’s general management style will reveal a carefree and clever side of you that may be new to your grandchildren. Beware: Age and experience are not always advantages.

Celebrate Beloved Traditions — and Make New Ones!

5. Create a Postcard Clue Game—Postcards

happen to be the perfect size for a knock-knock joke or a game of “Unscramble the Word.” Use the first card to ask a question, like “Where will we go on your birthday?” Then send the answer, one letter or clue to a card, such as: I, S, F, I, G, H, N. Your grandchild can unscramble them to discover the answer: FISHING. You can send your grandchild an album to hold onto all those postcards, too.

FEATURING

6. Start a Book Club—Book

clubs aren’t limited to living rooms, thanks to Skype, software that offers free calling services. Using webcams, as many as ten people can participate in a book club through Skype’s conference-call option, depending on your computer.

You’ll have valuable face-time while the group discusses the impact that J.K. Rowling, author of the Harry Potter series, had on the explosion of children’s fantasy novels. Allow your grandchildren to direct the readings, which will give them pride in sharing their knowledge with you.

From Grandparents.com, a resource and social media website for today’s grandparents. The website offers activities, discussion groups, expert advice, ten monthly newsletters and a Benefits Club with discounts on thousands of goods and services.

It’s the most wonderful time of the year in sunny Florida!

November 10 – January 1 Make it a Christmas to remember at Gaylord Palms, where two million twinkling lights, lavish decor and an amazing 54-foot majestic Christmas tree create a holiday atmosphere like no other. Delight in fine dining, eclectic shopping and festive entertainment, including the 10th anniversary of ICE! — two million pounds of colorful, hand-carved ice slides and sculptures featuring DreamWorks Animation’s Merry Madagascar. It’s a holiday celebration you’ll never forget.

Two- and three-night package guests receive exclusive perks.

Book your holiday getaway today!

ChristmasAtGaylordPalms.com or call (407) 586-6789

See website for details. Shrek, Madagascar, Kung Fu Panda and all related characters and properties © 2012 DreamWorks Animation L.L.C. Merry Madagascar © 2012 DreamWorks Animation L.L.C. © 2012 The Coca-Cola Company. “Coca-Cola” is a registered trademark of The Coca-Cola Company. All rights reserved.

Lifestyles After 50 • October 2012 • page 33

SIGN UP TOD AY!

Presents the 8th annual...

A F T E R 50

One mile “FUN” Walk around Largo Central Park Walkers Receive: T-Shirt to first 100 walkers registered by mail, Continental Breakfast, Sponsor “Goodie” Bag & GRAND PRIZES to the Winners!

November 14, 2012

Largo Cultural Center 105 Central Park Dr. • Largo, FL 33771 Registration begins at 8:45 am • Free Parking

Warm Up by Silver Sneakers Walk starts at 9:15 am, $4 minimum donation for Meals on Wheels Please make checks payable to: News Connection USA, Inc.

After the us Walk Join .. e. at th

FREE!

Nov. 14, 2012 10 am – 3 pm Largo Cultural Center

Join the Fun! SEND This Walk Form Today!

LARGO

Fill out ths form and mail it with your $4 donation to: News Connection USA Inc., P.O. Box 638, Seffner, FL 33583-0638 TARTS YES! I would like to join the Fun Walk WALK S AM 5 1 : 9 MAIL IN DEADLINE Nov. 8 or Register at the AT

Largo Cultural Center 8:45 am, November 14, 2012

Age

Name Address City Phone

Zip E-mail

Signature

Date

In consideration of our acceptance of this entry, I for myself, my heirs, devises, executors, administrators and assign hereby waive, release, discharge any and all claims against Largo Cultural Center, or anyone sponsoring or conducting this event or thier employees, representatives or successors for any and all damages or injuries I may suffer. I hereby, grant permission for the free use of my name and pictures in any broadcast or account of this event.

Sponsored by...

Premier Sponsor:

Lifestyles After 50 • October 2012 • page 34

Keep Your Wallet Happy with These Ideas for Staying in Shape

I

f you’re feeling pinched financially but want to get in shape, never fear.

You don’t have to invest in a costly gym membership. You don’t need to buy the latest high-tech treadmill or elliptical machine for your home.

You just need some ideas—and motivation. Cleveland Clinic Sports Health exercise physiologist Heather Nettle, M.A., suggests six ways to exercise that won’t strain your budget:

1. Walking. Walking for 30 minutes a day can help you lose weight, control your blood sugar and lower your cholesterol and blood pressure. When it’s hot outside, try mall-walking or walking at a local indoor track. Can’t do 30 minutes? Three ten-minute walks per day work just as well.

Cost: You’ll want to invest in good walking shoes. These range from $60 to $120 at sporting goods stores.

Running shoes work, too, but can be pricey. Replace shoes every 400 miles or twice a year, whichever comes first.

2. Exercise balls. Using an

exercise ball will help you keep your abdominals, back and hips strong. It can also help you improve your balance and agility. Use the exercise ball for stretching after workouts, too. You can find good exercise ball routines online.

Cost: Exercise balls come in different weights and materials. They run from about $8 to $50 at sporting goods stores. Printing out an online exercise ball routine will just cost you printer ink and paper.

3. Dumbbells. Dumbbells can

help you gain strength or maintain it. Weights range from 1 to 50 pounds. Start with the weight range that works best for you. When you feel ready, increase the load. Be careful, though—using weights incorrectly can lead to injury. Use your weights in front of a mirror to check your posture. If you have questions, consult an exercise expert.

Cost: Depending on their weight and design, dumbbells range from $3 to $50 in stores. You can also find a reasonably priced set of small weights on a stand.

4. Callisthenics. Forget past

memories of gym class and focus on how well you’ll tone your body with push-ups, crunches, squats, lunges and leg lifts.

Cost: This is the least expensive way to exercise. All you need are comfy workout clothes.

5. Exercise DVDs. When it comes

to video workouts, there’s something for everyone: Pilates, yoga, Zumba®, kickboxing, even “Bollywood” dance.

Using an exercise or dance DVD is like taking your own private aerobics class. However, don’t overdo it.

Cost: Exercise DVDs cost very little, considering how often you can use them. Many DVDs can be purchased online for $6 to $20. Choose what you like and build up a collection, then vary your routine. Local libraries also carry a few choices to help you add to the variety without spending anything.

A word of caution Before starting or drastically changing any exercise program, discuss your exercise plan with your doctor to make sure it is safe.

With help, you can find a safe, affordable, effective way to stay in shape.

100 Years Ago…Artifacts On Display

“T

itanic: The Artifact Exhibition” opens October 6 and runs through March 3, 2013. The fivemonth exhibition features artifacts designed to tell compelling human stories from the RMS Titanic’s last journey. Perfume, china and many other authentic objects offer emotional connections to the lives abruptly ended or forever altered when the ship sank.

100 years later, the Mahaffey Theatre in St. Petersburg will pay tribute

to the tragedy through an interactive program including components from The Titanic Mapping Project™, which shows the exact locations of artifacts recovered from the wreck site, creating a scatter pattern on the ocean floor; video footage explaining in detail how Expedition 2010 came to fruition and the technological breakthroughs that guided the expedition (ROV and AUV vehicles and cameras).

Advance tickets for the exhibition are priced at $19.12 (to commemorate the year of the Titanic’s ill-fated voyage) with discounts for children, students, seniors, military and groups.

For more info, visit TheMahaffey.com or call (727) 892-5767.

EXCITEMENT

Come Discover One of Florida’s Premier Age 50 & Up Independent/ Active Apartment Community Homes.

The Lexington Club has the Best of what you need and want!

Large one bedroom with den 769 sq. ft.

Two bedroom/two bath 870 sq. ft.

High ceilings with ceiling fan in every room Full size washer/dryer hook ups in every apartment

Fall Special

Rent reduced to

$610

ADD TO YOUR HOLIDAY OR SPECIAL OCCASION

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SINGING TELEGRAM

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Includes: Four Songs, autographed scarf and your choice of rose or teddy bear (Additional $25 for out of the local area)

GREAT GIFT

For Your Sweetheart, Loved One or Just For Fun! BIRTHDAYS - ANNIVERSARIES WEDDINGS - CORPORATE EVENTS BOOK A SHOW FOR YOUR NEXT OCCASION OR EVENT!

Call: 727-785-7947 or 727- 455-1237

e-mail: Russell.Elvis@yahoo.com • website: www.russellelvis.com

Complimentary Continental Breakfast • Fitness Center Computer Room & Library • Convenience Store & Hair Salon Playground for Visiting Grandkids • Arts/Crafts Room Party Room • Climate Control Halls & Stairways Planned Weekly & Monthly Events • Sparkling Pool Games Room • Weekly Games including Bingo Elevators For Easy Access • Laundromats on Site

Lexington Club is in a Non-Evacuation Zone Pet Friendly Community

727-446-2582

1200 South Missouri Ave. Clearwater, FL 33756

(opposite Georgie Boy Restaurant) We also accept Clearwater Housing Section 8 voucher.

Lifestyles After 50 • October 2012 • page 35

Can You Handle Your Aging Parent’s “Significant Other” With Grace and Care?

W

hen your aging parent has a “significant other”—a sweetheart—in later life, things can get difficult. Here are four things to know in helping make decisions: • Your parent is connected to their sweetheart’s family in ways you are not.

Their relationship can be deeply personal, and you need to respect and appreciate the dimensions of that relationship.

Your father may have taught you that “big girls don’t cry” in his younger parenting days and yet weep openly himself with his sweetheart’s daughter when her mother (his sweetheart) dies.

They have a different relationship than you and your father do. Accept it.

• Because your parents are older, their health crises and end-of-life care will bring two families and all their permeations together. It’s in your best interests to open the communications sooner rather than later.

• Families have cultures and behaviors that are normal to them. Take the time to observe their ways and follow their lead when it involves their family member.

One person’s family may be private and want to speak to doctors separately.

Your mom, who is open and inclusive, may have to step back and not take their exclusion personally. Remember, it’s the family’s way and you must respect it rather than judge them by it.

• You might have to step aside and keep your own emotions in check. It’s not “sibling” rivalry when your parent openly tries to help a member of the

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Utilities included in the rent.

Cable is an additional $18/mo.

Non-Profit housing for the elderly.

Admission Qualifications

• Close to beaches • Grocery store within walking distance • On the busline • Close to medical facilities

• At least one person 62 or older • Or disabled under 62 Must be capable of caring for your apartment.

Visit: http://prospect.presidioproperty.com

Building Features

• Fire sprinklers throughout • Limited entrances to building • Smoke detectors in every apartment • Emergency call buttons in every apartment • 24-hour desk clerks • Library • Coin operated laundry • All electric kitchen • Central heat & air conditioning • Ample closets & kitchen cabinets

sweetheart’s family in adjusting to a new situation. Needs are different and relationships are different.

What if it becomes a battleground?

Not all blended families blend well together. Serious fights are common. Accusations fly back and forth. No one may seem to agree on

who really has Mom’s best interests at heart.

Make sure your family member has an advance directive, has a durable health-care power of attorney and has had an open conversation with you regarding desired care and living arrangements if he or she suffers a stroke or is diagnosed with an illness that requires prolonged care.

The more openly you have discussed matters such as illness, the less likely you are to encounter distrust, accusations and resentment in the heat of making tough caregiving decisions.

From “The Essential Guide to Caring for Aging Parents”

by Dr. Linda Rhodes.

• On Site Wellness Center • Heat lamps and grab bars in tubs and showers • Maintenance work orders completed within 24 to 48 hours • Lighted parking on site • Exterior windows open for fresh air • Small pets welcome (15 lbs. limit) • Subsidized TV cable.

Lifestyles After 50 • October 2012 • page 36

• Fully equipped 1BR apt.

• Carpeted & spacious • Library & community room.

• Wellness center w/doctor & nurse • Weekly bus to shopping • Optional noon meal service 7 days/wk.

• Free cable • Water, sewer, & trash service provided • Individual climate control • Active resident council • Reserved Parking Other features offered at Minimal fee: • Tray service • Guest dining • Laundry room • Housekeeping

Call (727) 823-1575 • 1-800-955-8771

FLA Relay Service For a tour of our modern community.

540 Second Avenue South • St. Petersburg, FL 33701

Library, Theater Events

6

Margo Hammond, long time journalist and former book editor of The St. Petersburg Times speaks at Friends of the Main Library program, Auditorium, Main Library, 3745 Ninth Ave. N, St. Pete. Free, open to public. 2 p.m.

Information: (727) 893-7724.

26

– Nov. 11 Painting Churches presented by Venue Ensemble

Theatre. The New York Times called the play: “A radiant, loving and zestfully humorous play.” Proceeds benefit Neighborly Care Network (Meals on Wheels). Tickets are $20. 9125 U.S. 19 N. (Hudson Furniture Plaza). Reservations at (727) 822-6194 or online at VenueActorStudio.org. Or email VenueActorStudio@gmail.com.

Last Month’s Answers

September Sudoku Betty Baker is last month’s winner!

Congratulations!

Win Great Prizes!

New winner selected each month

Good Luck!

Oct. Sudoku

More Activities

12

A free Quilting Club meets the second Friday of every month, 10 a.m. at Tarpon Springs Community Center.

Bring your work; get ideas. All skill levels welcome. For information, call (727) 942-5628.

Word Search

Sudoku requires no arithmetic skills.The object of the game is to fill all the blank squares with the correct numbers. Each row and each column of 9 numbers must include all digits 1 through 9 in any order. Each 3 by 3 subsection of the 9 by 9 square must include all digits 1 through 9 as well. Good luck! The first correct answers selected from the drawing on Oct. 21 will win.

Send your answers along with your name, address and telephone number to: NEWS CONNECTION USA, INC. P.O. BOX 638, SEFFNER, FL 33583

22

Democratic Women Meeting. Speakers: Dr. Floriani about “Obamacare” and Mary Louise Ambrose, candidate for Florida House District 66, public invited. Safety Harbor Library, 11 a.m. lunch available for $5. For info, call Mary Freeman at (727) 581-4630.

WIN! WIN! WIN! GREAT PRIZES!

SUDOKU MUST BE RECEIVED BY OCT. 21, 2012

Word Search October

In the grid below, twenty answers can be found that fit the category for today. Circle each answer that you find and list it in the space provided at the right of the grid. Answers can be found in all directions – forwards, backwards, horizontally, vertically and diagonally. An example is given to get you started. Can you find the twenty answers in this puzzle?

Answers From

September

Marie Sicignano is last month’s winner!

Congratulations!

Send your answers along with your name, address and telephone number to: NEWS CONNECTION USA, INC. P.O. BOX 638, SEFFNER, FL 33583

The first correct answers selected from the drawing on October 21 will win.

MYSTERY PRIZE!

WIN! WIN! WIN! GREAT PRIZES!

MYSTERY PRIZE!

(Puzzles must be received by Oct. 21, 2012.)

Lifestyles After 50 • October 2012 • page 37

Living Life to the Fullest At University Village W

elcome to University Village, where the culture is trademarked by Masterpiece Living,® a wellness initiative based on this philosophy: how you age depends more on your everyday lifestyle choices than on your genes.

“We have developed a signature senior living community,” says Executive Director Tim Parker. “We are a friendly, active and vibrant group with ambitions and dreams.”

University Village keeps you engaged in life through a variety of clubs, classes, in-house events and day trips. You can also meet friends at the on-site beauty salon, pool, health and wellness center, or in five elegant dining rooms featuring chef-prepared cuisine.

“Our goal is to help our residents maximize wellness,” says Aarene Alessi, director of public relations. “Staying involved in a community network can help maintain the body and mind.”

Executive Director Tim Parker

Safety Net for the Future Knowing that you will continue to be taken care of if your needs change offers peace of mind for you and your family. The Inn at University Village is an on-site assisted living Aarene Alessi, Dir. residence that also offers of Public Relations interdisciplinary skilled ever outlive their assets, they will and long-term nursing programs, and never lose their home or their care.”

Harmony, our memory care program.

“Please call me at (813) 975“It’s important to have a plan in place 5009 or email me at aalessi@ that covers healthcare and financial universityvillage.net, and I will needs that may arise in the future,” personally make the arrangements says Aarene. “Our life-care residents receive a financial guarantee that if they for your visit.” —Aarene Alessi

Exercise is encouraged at University Village, so we take the stairs to our third-floor apartment, walk to the mall, enjoy walks near our lake after dinner, and stop along the way for a game of miniature golf. The flexible dining has helped us meet wonderful neighbors and friends. We absolutely love it here.”

—Charlotte and Jim Edmiston, residents

Apartment homes ranging from $1,550 - $3,310 per month with resort-style services and amenities.

Lifestyles After 50 • October 2012 • page 38

o t N trac n o C

NEW

Finally, a cell phone that’s… a phone

Lo S B ng ou ett er nd er Ba a tte nd ry Lif e

Introducing the all-new Jitterbug® Plus. We’ve made it even better… without making it harder to use.

“All my friends have new cell phones. They carry them around with them all day, like mini computers, with little tiny keyboards and hundreds of programs which are supposed to make their life easier. Trouble is… my friends can’t use them. The keypads are too small, the displays are hard to see and the phones are so complicated that my friends end up borrowing my Jitterbug when they need to make a call. I don’t mind… I just got a new phone too… the new Jitterbug Plus.

Now I have all the things I loved about my Jitterbug phone along with some great new features that make it even better!

GreatCall® created the Jitterbug with one thing in mind – to offer people a cell phone that’s easy to see and hear, and is simple to use and affordable. Now, they’ve made the cell phone experience even better with the Jitterbug Plus. It features a lightweight, comfortable design with a backlit keypad and big, legible numbers. There is even a dial tone so you know the phone is ready to use. You can also increase the volume with one touch and the speaker’s been improved so you get great audio quality and can hear every word. The battery has been improved too– it’s one of the

Introducing

DoubleTime!

Double your monthly minutes for life

The rate plans are simple too. Why pay for minutes you’ll never use? There are a variety of affordable plans. Plus, you don’t have to worry about finding yourself Basic 19 Basic 14 stuck with no 100 DoubleTime Monthly Minutes 50 200 minutes– that’s $19.99 Monthly Rate $14.99 the problem with 24/7 Operator Assistance 24/7 prepaid phones.

FREE 911 Access FREE Since there is no contract to sign, No add’l charge Long Distance Calls No add’l charge you are not locked FREE Voice Dial FREE in for years at a YES Nationwide Coverage YES time and won’t be 30 days Friendly Return Policy1 30 days subject to early More minute plans available. Ask your Jitterbug expert for details. termination fees.

Now, when you sign up for our Basic 19 plan, you’ll double your monthly minutes for the same price. The U.S.-based customer service is knowledgeable and helpful and the phone gets service virtually anywhere in the continental U.S. Above all, you’ll get one-touch access to a friendly, and helpful GreatCall operator. They can look up numbers, and even dial them for you! They are always there to help you when you need them.

with activation by 01/01/13

longest lasting on the market– so you won’t have to charge it as often. The phone comes to you with your account already set up and is easy to activate.

Call now and receive a FREE gift just for ordering. Hurry…this is a limited time offer. Call now!

Available in Silver and Red.

Call now and receive a FREE gift when you order. Try the Jitterbug Plus for yourself for 30 days and if you don’t love it, just return it for a refund1 of the product purchase price.

Call now – helpful Jitterbug experts are ready to answer your questions.

Jitterbug Cell Phone Ask how you can get DoubleTime for Life!

Please mention promotional code 45573.

1-888-790-6378 www.jitterbugdirect.com

47543

We proudly accept the following credit cards.

IMPORTANT CONSUMER INFORMATION: DoubleTime offer valid on Basic 19 Plan and applies to new GreatCall customers only. Offer ends 1/1/13. Offer valid until plan is changed or cancelled. All GreatCall phones require a one-time set up fee of $35. Coverage and service are not available everywhere. You will not be able to make 9-1-1 calls when cellular service is not available. Rate plans do not include government taxes or assessment surcharges and are subject to change. No roaming or long distance charges for domestic calls within the U.S. There are no additional fees to call GreatCall’s 24-hour U.S. Based Customer Service. However, for calls to an Operator in which a service is completed, minutes will be deducted from your monthly balance equal to the length of the call and any call connected by the Operator, plus an additional 5 minutes. 1 We will refund the full price of the GreatCall phone if it is returned within 30 days of purchase in like-new condition. We will also refund your first monthly service charge if you have less than 30 minutes of usage. If you have more than 30 minutes of usage, a per minute charge of 35 cents will apply for each minute over 30 minutes. The activation fee and shipping charges are not refundable. Jitterbug and GreatCall are registered trademarks of GreatCall, Inc. Samsung is a registered trademark of Samsung Electronics Co., Ltd. Copyright ©2012 Samsung Telecommunications America, LLC. Copyright ©2012 GreatCall, Inc. Copyright ©2011 by firstSTREET for Boomers and Beyond, Inc. All rights reserved.

Lifestyles After 50 • October 2012 • page 39

Is Your Loved One Safe in the Hospital?

A

nyone facing a hospital stay has probably heard the advice: Take someone with you. After all, patients need a loved one to lend support, ask questions and serve as a care partner and advocate, right?

But without medical training or experience, how do those care partners know what to ask, how to ask or what precautions to take? Too often, they aren’t prepared.

Karen Curtiss’s tragic family stories combined with her diligent research makes Safe & Sound in the Hospital a book to educate patients and their families about hospitalization. The book provides a series of practical tips, creative tools and quick checklists that care partners can use to help prevent common hospital hazards and promote a safe recovery.

She offers tips and guidance such as:

• Keep your loved one safe from infection.

• Make sure everyone—especially doctors and nurses— washes his or her hands before touching your loved one.

Make colorful tent card signs for your loved one’s room with messages like “Thank you for washing your hands!” or “For my safety, please wash your hands.”

• Clean TV remotes, door knobs, telephones, bed rails, call buttons, faucets, toilet flush levers and personal items with alcohol wipes and bleach wipes to help zap Superbugs and C. diff spores. Repeat cleaning after every touch or brush with clothing (doctors’ jackets and scrubs and nurses’ uniforms are like Trojan Horses, carrying bugs all over the hospital).

Great Senior Events!

Mark your calendar for these great FREE events near you, brought to you by Lifestyles After 50 magazine. Find great information, entertainment, health screenings, prizes, giveaways and more! Call 888-670-0040 or visit our website at www.lifestylesafter50fl.com for details.

October 5, 2012, (10am-3pm) Lifestyles After 50 Fun Fest, New Port Richey Recreation Center, New Port Richey, FL. Live Music, Dancing, Free Bingo Games. Free Coffee & Snacks, Free Health Screenings, Prizes, Fun Walk, Senior Sports Area.

November 14, 2012, (10am-3pm) 8th Lifestyles After 50 Fun Fest, Largo Cultural Center, Largo. Live Music, Free Bingo, Free Health Screenings.

“Grandkids Are the Greatest” Photo Contest! Early Morning Senior Fun Walk!

December 5, 2012, (10am-3pm) 6th Fun Fest & Jamboree!, Plant City, FL, Strawberry Festival Grounds. Live Music, Dancing, Free Bingo, Health Screenings, Sports Area. Free Coffee & Muffins. Fun Games & Prizes. Free Parking & Admission.

January 10, 2013, (10am-3pm) Lifestyles After 50 Fun Fest, Robarts Arena Sarasota, FL. Live Music, Free Bingo, Free Health Screenings. Sports Center, Free Admission.

January 23, 2013, (10am-3pm) 8th Lifestyles After 50 Fun Fest, Florida State Fairgrounds, Tampa, FL. Live Music, Free Bingo, Free Health Screenings. Sports Center, Free Admission & $3 Parking. “Grandkids Are The Greatest Photo Contest.” Fun Walk.

Lifestyles After 50 • October 2012 • page 40

• Speak up and ask questions. Get to know everyone who takes care of your loved one. Ask questions in a friendly, respectful way.

Don’t be afraid to admit if you don’t understand their answers and need a ‘plain English’ translation.

• Find out how to call for a Rapid Response Team if you feel like your loved one is going downhill and no one seems to be taking action. Trust your gut; you know your loved one best.

• When possible, schedule surgeries mid-week and avoid holiday times. If complications arise, you’ll want to be able to reach your doctor and the “A” team.

• Ask the nurse to pause and doublecheck each medication just before it’s given. Verify the prescription, the dose and intended patient. NEVER inter-

rupt a nurse in the middle of administering a drug unless you sense a mistake.

• Virtually every patient is at risk to take a fall. Look for items in the room that might cause a trip, and bring non-skid socks or slippers for your loved one to wear. Ask the nurses about a cane for your loved one to use. Make sure someone is available to help your loved one to the bathroom and back.

It’s so important for families to be engaged and vigilant and to have their eyes wide open when someone they love is in the hospital. Safe & Sound in the Hospital provides the information and tools they need to safeguard their loved one’s care.

It’s a better gift than flowers.

For more information, visit safeandsoundbooks.com.

� � � ������Discounts ���������� Insurance ������������������

For Mature Drivers

����a��Florida’s Have ����������� Driver’s License ��������� �������� and are 55 ����������years ������� of age or older? ���� ������������

Take Your Class Online! ���at��� ���leisure, ������ • Study your 24�� hours week. �����a day, 7 days a�� ���������������� • Simply read the course materials online and then answer a few quiz questions. ���������������������� � classes � � � �� �� �� • There is no need to attend boring or listen to long lectures. ���������������� ��������������������� • After completion, of course we�� will issue a�� state-certified certificate for you to

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������� ��year ���period. turn into your insurance company to receive your discount for�a�� three ��

Take Your Mature Driver Course On The Internet!

If you have a Florida Driver’s License and are 55 years of age or older, you are now eligible to complete motor vehicle accident prevention course that will allow you to receive a mandatory reduction on your insurance rate for three years.

Florida Department of Highway Safety & Motor Vehicle Approved Course

To Register go to:

www.seniordriverclass.com

or call 1-800-771-2255

Lifestyles After 50 • October 2012 • page 41

FREE INFORMATION SERVICE Lifestyles After 50

for information please return completed form to:

News Connection USA, Inc. • P.O. Box 278 • Laurel FL 34272-0278

Name: Address: City:

State:

Phone:

Age:

Zip: Date:

E-mail: o Single o Married o Are you a Group Leader?

Please contact me by: o Mail o Phone o E-mail SEND INFORMATION ON AREA(S) CHECKED BELOW INSURANCE: AUTOMOBILES: o Medicare o Automobile Sales o Health o Life o Maintenance and Repairs o Long-term care o Recreational Vehicles HOUSING OPTIONS RESIDENTIAL LIVING: o Independent Living o Mfd/FactoryBuilt Homes o Assisted Living o RV Resort o Senior Apartment o Senior Apartments o In-Home Care o Villa/Condo/Single Family o Alzheimer’s/Dementia Care o Golf Community PERSONAL HEALTHCARE: CAREGIVER RESOURCES o Rehab Hospital o Family Counseling o Physicians o Caregiver Support o Dentists o Dementia Care o Eye Care HOME IMPROVEMENTS: o Hearing o Sunrooms/Home Improvement o Foot Care/Arch Supports o Pools/spas o Weight Loss o A-C Repair/Plumbing/Electrical o Supplements TRAVEL: o Home Health o Cruises o Land Tours o Prescription Drugs o Hotels/ Resorts o Medical Supplies o Local Attractions LEISURE TIME: FINANCIAL/ LAW: o Golf o Funeral Planning o Gambling o Retirement/Estate planning o Boating o Trusts/Wills o Theater o Medicare/Medicaid Assistance o Dining In/Out o Elder Law/Guardianships o Fitness/Gyms/Spas OTHER: SUN

Entries will be collected by News Connection U.S.A. for future promotions, special offers, and marketing.

Win a $25 Gift Certificate to Home Depot!

When you complete this form and mail it back, your name will be entered to win a $25 gift certficate to Home Depot.

(Drawing held the 20th of each month.)

P Last Month’s Winner Was: P P Susan Smith — Congratulations! P

Lifestyles After 50 • October 2012 • page 42

Volunteer Opportunity F

lorida’s Long-Term Care Ombudsman Program needs volunteers to join those who protect the rights of elders residing in nursing homes, assisted living facilities and adult family care homes. Volunteers help identify, investigate and resolve residents’ concerns. Training and certification is provided.

All interested individuals are encouraged to call toll-free (888) 831-0404

or visit the program’s website at ombudsman.myflorida.com.

Council meetings are the third Thursday of each month at the Mary Grizzle Building, 11351 Ulmerton Rd., Room 136, Largo at 1 p.m. Concerned citizens and those interested in volunteering are welcome to attend.

Here Come the Gymnasts

T

he 2012 Kellogg’s ® Tour of Gymnastics Champions, a national tour featuring Team USA’s Olympic star gymnasts, is coming to Tampa Bay Times Forum on Oct. 28.

See 2008 Olympic all-around champion Nastia Liukin lead an impressive cast that will include members of the men’s and women’s 2011 World

Championships and 2012 Olympic teams, along with past Olympians and U.S. medalists in men’s, women’s, rhythmic and acrobatic gymnastics and trampoline and tumbling.

Tickets for the show begin at $25.

For group ticket sales and information, please call (813) 301-6900.

Advanced parking passes are available online at Ticketmaster.com.

GENERAL ELECTION - NOVEMBER 6, 2012 (Voter Registration Deadline – October 9)

3 Ways to Vote Whether voting by mail, early or on Election Day, each voter will receive a 4-page ballot (2 ballot cards) with 11 constitutional amendments 1. Vote by Mail – Receive and vote your ballot in the comfort of your home ➢ To request a mail ballot visit www.votepinellas.com or call (727) 464-VOTE (8683) ➢ Ballots can be returned by mail or dropped off at any dropoff location 2. Vote Early – Vote at any Pinellas Elections Office ➢ Early Voting is available: October 27 – November 3, Saturday – Saturday, 7 a.m. to 7 p.m.

Bring photo and signature ID to avoid delays. ➢ Locations – • 13001 Starkey Rd., Largo (Starkey Lakes Corporate Center) • 315 Court St., Room 117, Clearwater (Courthouse) • 501 1st Ave. N., St. Petersburg 3. Vote on Election Day – Vote in your home precinct polling place ➢ Polls are Open 7 a.m. – 7 p.m. ➢ To find Election Day precinct and polling place information visit www.votepinellas.com or call (727) 464-VOTE (8683).

Bring photo and signature ID to avoid delays.

Be “Election Ready” – Voter Education is the Key to Optimizing Your Voting Experience

Deborah Clark Pinellas County Supervisor of Elections

Lifestyles After 50 • October 2012 • page 43

Television Acoustics Breakthrough

Meetup Groups Create New Relationships

➻

The private TV listening system you’ll want to use… even if there’s no one else in the room!

Vegetarian: meetup.com/vegan-93/

Friendship: meetup.com/ Young-at-heart-Singles/ Bonsai: meetup.com/

WestCentralFloridaBonsai/

W

This new Personal TV Listening System (PTLS) can help millions get more out of their favorite past time.

High Definition Audio.

TV video technology has improved dramatically in the past few years, but the audio quality has remained relatively unchanged. Unlike other comparable systems, PTLS provides performance quality stereo sound (up to 120dB)– putting you in the acoustic sweet spot of the room– no matter where you are sitting.

Fully Customizable.

The Adjustable Digital Tone control enhances dialogue clarity and intelligibility to suit your hearing. You’ll hear everything from stage whispers to lifelike sound effects.

Lightweight and comfortable.

This system is designed to rest on your shoulders with small, powerful earbuds

Lifestyles After 50 • October 2012 • page 44

that bring the sound directly to your ears.

The hi-fidelity passive noise isolation speakers stay gently in your ears without creating pressure or discomfort.

Easy to set-up and use.

This plug and play system comes with everything you need and the powerful transmitter covers a room up to 35 by 35 feet. It features rechargeable batteries that give you up to 24 hours of listening from a full charge.

Exclusive home trial.

Why spend time arguing with your loved ones when you could be enjoying your favorite TV shows and movies together again. The PTLS comes with firstSTREET’s exclusive home trial, so if you are not completely satisfied with it for any reason you can simply return it within 30 days for a full refund of the product purchase price.

Call today

Personal Television Listening System Call now for the lowest price ever and get free extra earbuds for PTLS Please mention Promotional code 45574.

1-888-737-2549 80312

I

f there is one thing people like to argue about… it’s television. Even if they can agree what to watch, most people disagree about the volume. That’s because most people require different volume levels, in order to understand and enjoy their favorite shows and movies. What’s more, if one of them is doing something else, like reading or sleeping– the last thing they want to hear is a blaring television.

When forced to compromise and listen to TV at the same volume– everyone loses.

Now, thanks to innovative digital audio technology, anyone can listen to the TV at the volume they desire without disturbing others. Best of all… the audio is so spectacular you’ll want to use it all the time. Here are a few reasons why the PTLS is the best thing to happen to television since the remote.

All rights reserved. © 2011 firstSTREET®, Inc. For Boomers and Beyond®

hat’s your interest? There are many area Meetup groups you may find interesting and use as a way to make new friends. Make your contact through the website, find out about the group’s actual Meetup times and places and enjoy!

How about these interests:

Eat out: meetup.com/St-Petersburg55-Plus-Meet-and-Eat-SinglesActivity-Group/ Adventures: meetup.com/Tampa AdventureGroup/

Sushi lovers: www.meetup.com/

sushi-115/

French: meetup.com/French ConversationTampaBay/

Helping out: meetup.com/

LendaHand/

Movies: meetup.com/movies-304/

Fun times: meetup.com/pinellas funafterforty/

Outdoor fun:

meetup.com/ wetdog adventures/

Car Color Reveals Inner Self— or Does It?

BY LAUREN FIX for USAA

W

hat does your car say about you? Interestingly, the car and the color make a big statement about your personality. A person with a red Corvette seems to be saying, “Look at me!” Someone with a beige car, however, is likely low-key and doesn’t like to stand out in a crowd.

With my 30-plus years in the automotive industry, I can usually guess what color car someone drives after meeting them. A leading car manufacturer recently conducted research and made some interesting conclusions about the link between a car’s color and a driver’s personality: • White—Quiet and brilliant • Orange—Outgoing and brilliant • Red—Attention-seeker • Ice blue—Cool and alert • Medium blue—Dependable and loyal

• Green—Refreshing and relaxed, or just laid back • Purple—Magical and complex Black, silver and gold weren’t part of the study, but I say black vehicles state that you like to be under the radar, yet still want attention for your style. Silver, in my opinion, means you are a wellbalanced person who wants low stress and gold equates to a fashion statement.

So, what color car do you drive?

Is this a real description of your personality and how you feel? (Or were you just after the best deal, regardless of color?) Try it out on your friends and family for some fun.

Lauren Fix, also known as The Car Coach®, is working with USAA to spread the word about USAA’s second annual Best Value vehicle list.

Seniors Getting Together Attention SGTers!

Screen respondents carefully. Always meet in public places and have your own transportation. Don’t divulge your home address. Be sure to provide a way for your correspondent to respond to you – phone number, e-mail address or Post Office Box address. Contact the authorities if you feel threatened or harassed by an individual. Be patient and careful – a good relationship and your personal safety are worth the wait!

WOMEN SEEKING MEN 4119 SEEKING CHRISTIAN GENTLEMAN Former airline stewardess and model, 5’4”, 104 lbs., widow, slender, white with Ph.D. in healthcare. Fulbright scholar, eats healthy and exercises. Likes sports and animals. Loves the Lord. Florida.

4158 WW ASIAN LADY ISO healthy, active W/SOH, NS, W gentleman 60 – 70 YY for FF and companionship who would like travel to SE Asia and day trips in USA. Please send recent photo. North Pinellas.

4174 W F ISO HEALTHY, FUN-LOVING FRIEND companion for dining, movies, beaches, cruise travel, loves to cook,

SOH, ND, M or F. St. Petersburg.

4176 LADY SEEKS SAVVY GENT active—swims, hikes, day trips, concerts. WW, W, C, F, NS, ND, R, 5’2”, HWP, 70s—holistic, Palm Harbor.

4178 SEEKING COMPATIBLE GENTLEMAN 55+ I’m 5’4”, 120, ISO sincere, NS, ND, understanding, FF and companion. I walk, read, sight-see, relax, music. HWP, picture.

Looking for romance. Pasco County.

4180 W, WW, HEALTHY, BLONDE attractive 70’s lady ISO 70 – 80 gentleman who enjoys travel, home, food, shows, going out + one cat. Recent relocation to Sun City.

MEN SEEKING WOMEN 4167 ISO EASYGOING SWF 45 – 65.

M,W, R, D, 62, 6’1”, 170, NS, ND, FF, LTR maybe, SOH and TLC. Likes pets, swimming, beach walks, bicycles, tv, movies, similar. Hudson.

4173 WM SEEKING DISABLED W WOMEN C, ND, NS for LTR romance companionship. 58 to 70. No weird baggage.

St. Petersburg – Pinellas County only.

Phone appreciated, write. St. Pete, FL.

RUN YOUR AD FOR ONLY $6 A MONTH

SENIORS GETTING TOGETHER Personal Ad Placement

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

Only $6 to place an ad!

Mark The Edition(s) You Would Like To Run Your Ad In: Hillsborough & Suncoast (Pinellas/Pasco) Lake/Marion Counties Southwest/Charlotte (Fort Myers/Port Charlotte)

Ad Copy • Please Print Neatly • 30 Word Limit

Title (First 4 Words):

4177 SEEKING HEALTHY FEMALE 70 – 79 YO. WW, NS, ND, FF. Someone honest, tired of being alone, wakling, talking, dining out, fitness, can have good conversation. Brandon.

4179 SEEKING MY LAST LOVE Financially secure, in-shape 68 year old widower seeking my last love. Slim lady to share my life. Photo and bio appreciated. Will answer all. Leesburg.

4181 BALLROOM DANCING PARNTER WANTED No beginners, please. NS, ND, NDrg. Willing to take argentine tango lessons with this 50-year dancer.

Fluency in German or Polish welcomed.

Commonly Used Abbreviations: F-Female, M-Male, S-Single, D-Divorced, WWWidow, A-Asian, B-Black, H-Hispanic, I-Indian, W-White, C-Christian, J-Jewish, YO-Years Old, YY-Years Young, ISO-In Search Of, SOHSense Of Humor, SM-Smokes, S-Light Smoker, NS-Non Smoker, ND-Non Drinker, SD-Social (Light) Drinker, DR-Drinks, NDrg- No Drugs, LTR-Long Term Relationship, HWP-Height & Weight Proportional, R-Retired, P-Professional, FF-Friendship First, TLC-Tender Loving Care.

1. ARBITRATOR: A cook that leaves Arby’s to work at McDonalds.

8. EYEDROPPER: A clumsy ophthalmologist.

2. AVOIDABLE: What a bullfighter tries to do.

9. HEROES: What a guy in a boat does.

3. BERNADETTE: The act of torching a mortgage.

10. LEFTBANK: What the robber did when his bag was full of money.

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

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

Name: Address: City: Phone:

State: E-mail:

Zip:

MAIL TO: ATTN. / SENIORS GETTING TOGETHER, NEWS CONNECTION, USA, INC. • P.O. BOX 638., SEFFNER, FL 33583

TO PLACE AN AD

Send your ad, stating what category you would like it placed in, your edition(s), along with a $6 fee for 30 words (25¢ for each additional word, abbreviations not charged) to the News Connection USA, Inc. address listed above. Ads received by the 15th of the month will appear in the following issue. No more than three ads will be accepted each month per person. The editor reserves the right to edit any ads for space or content. In order to protect our readers’ privacy, we will not include phone numbers, e-mail or home addresses in the ad copy. City or area included at no charge.

How’s That Again?

4. BURGLARIZE: What a crook sees with.

City (No Charge):

TO RESPOND TO AN AD

Write a letter to the person you want to contact. Place that letter in a stamped envelope and write the ad number on the bottom left hand side of the envelope. Place your stamped, numbered envelope(s), along with $2 for each letter enclosed, into another envelope and address it to: News Connection USA, Inc. Seniors Getting Together 1602 S. Parsons Ave.,Seffner, FL. 33584

5. CONTROL: A short, ugly inmate.

6. COUNTERFEITERS: Workers who put together kitchen cabinets.

7. ECLIPSE: What an English barber does for a living.

11. MISTY: How golfers create divots.

12. PARADOX: Two physicians.

13. PARASITES: What you see from the top of the Eiffel Tower.

14. PHARMACIST: A helper on the farm.

15. POLARIZE: What penguins see with.

Lifestyles After 50 • October 2012 • page 45

Last Month’s Answers

Enter

Walgreens now offers the Zostavax vaccine for shingles at all of its locations!

Last Month’s to Win! Winner Is Jeryl Scolamiero Congratulations!

If you’ve ever had Chicken Pox, ask your Walgreens Pharmacist about the Zostavax vaccine recommended for those 50 years and older to help prevent shingles.

This month’s winner is

Enter To Win!

Our Pharmacies Offer Services and Programs that Save You Time and Money! Inquire About:

Myron L. Guisewite Congratulations !!!

• •

Last Month’s Answers

• • •

Our “Go 90” Program - 3 prescription refills in one and for 3 months you’re done!

Our Prescriptions Savings Club - Members get special discounts off the cash price of thousands of brand-name and generic medications as well as numerous other benefits when they use their card throughout the store.

Our Exclusive savings for AARP members Our Prescription “Auto Fill” Program - Automatically refill your prescriptions from your online pharmacy account and pick up your prescriptions at your local pharmacy or have them shipped for free!

Our Durable Goods Product Lines - Such As Lift Chairs, Wheelchairs, Walkers and more…

Walgreens accepts most major prescription plans, including: CVS Caremark, United Healthcare and Blue Cross Blue Shield Florida!

For the Walgreens Store Nearest You Call

FILL IN ANSWERS & WIN MONEY!

Send your answers for a drawing. First correct answers selected from the drawing on Oct. 19 will receive $20 cash!

Send to: News Connection USA, Inc., P.O. Box 638, Seffner, FL 33583

I want information on: Travel / Cruises Recreation / Leisure Entertainment / Events

Insurance Elder Law / Financial Housing Options Reverse Mortgages

Personal Health & Fitness Home Improvements Automobiles

Name Address City

Age

Phone

E-mail

State Zip

Hills

FILL IN ANSWERS & WIN MONEY!

Lifestyles After 50 • October 2012 • page 46

Send your answers for a drawing. First correct answers selected from the drawing on June 19th will receive $20 cash! Send to: Mature Lifestyles, 220 W. Brandon Blvd., Suite 203, Brandon, FL 33511

1-800-WALGREENS

(1-800-925-4733) or visit us on-line at: www.walgreens.com

BRANDON Auto Clinic of Brandon ...... 813-654-8686 Xtreme Powersports ......... 813-626-6060 BROOKSVILLE Sunrunner Automotive ...... 352-596-2314 Master Auto/Air ................. 352-799-6444 Brooksville Transmission.. 352-796-6544 General Auto Parts ........... 352-796-2522 CLEARWATER JDs Cycle Shop ................ 727-827-2994 M & M Ultrasports ............. 727-412-8020 Stouts Auto Service .......... 727-216-6622 DADE CITY Reliance Auto Center ....... 352-567-5281 HOLIDAY NAPA Auto Parts .............. 727-934-4651 HUDSON White’s Quality Trans ........ 727-862-1968

LARGO Parts House ...................... 727-573-1580 OLDSMAR Murray Motive ................... 813- 854-5115 PALM HARBOR K & K Custom Cycles........ 727-773-1095 PINELLAS PARK George’s Performance ..... 727- 521-2206 PORT RICHEY Napa Auto Parts ............... 727-848-2509 RUSKIN Thompson’s Auto Parts .... 813-645-3204 ST. PETE Park Auto Service ............727-521-2910 Royal Edger ......................727-573-1700 Bob Lee’s Tires.................727-822-3981 Complete Auto Parts ........727-895-3821 Miles Automotive ..............727-323-0180 J.C. Automotive ................727-866-0044 St. Pete Power Sports ......727-456-6088 Suncoast Auto & Tire .......727-520-1148

SEFFNER Schembries Auto Serv...... 813-685-5654 SUN CITY Killingsworth Automotive .. 813-645-7220 TAMPA John Erb’s ......................... 813-908-3333 Storm Automotive ............. 813-469-0055 Atlantic Automotive ........... 813-936-1510 Tony’s RamTech................ 813-877-6642 Insty Tune & Lube ............. 813-960-3908 Xtreme Powersports ......... 813-626-6060 Mad Hatter ........................ 813-933-4179 Mad Hatter ........................ 813-374-9230 Mobile Auto Serv. ............. 813-892-3603

If you or your business would like to get AMSOIL products at Wholesale CALL 800-411-6160

Technology Simplified

WOW… A Computer Designed For YOU, Not Your Grandchildren!

…It’s easy to read. It’s easy to see. It’s even easier to understand and use! Just plug it in!!!

This computer is easy-to-use, worry-free and literally puts the world at your fingertips.

I just wanted to tell firstSTREET that I am having a great time on my WOW Computer. I am learning something new everyday. I am 79 years old and cannot believe that I am typing and sending e-mails to all my friends now. My daughter and granddaughter are so excited now that I have a computer. They use computers on their jobs everyday, but they cannot believe what you can do on this computer. It is wonderful...Thanks.

– Johnnie E., Ellijay, Ga

NEW

Touch Screen Technology

Simple navigation, so you never get lost!

designed for SENIORS Big Bright Screen One-touch “zoom” magnification No bulky tower ®

…”surf” the internet …play games online Get current weather & news. hundreds to choose from! …send and receive emails, and video chat Keep up with family and friends.

From the moment you open the box, you’ll realize how different the WOW Computer is. The components are all connected; all you do is plug it into an outlet and your highspeed Internet connection.

Then you’ll see the screen.

This is a completely new touch screen system, without the cluttered look of the normal computer screen. The “buttons” on the screen are easy to see and easy to understand. All you do is touch one of them, from the Web, Email, Calendar to Games– you name it… and a new screen opens up. It’s

so easy to use you won’t have to ask your children or grandchildren for help.

Until now the very people who could benefit most from E-mail, and the Internet are the ones that have had the hardest time accessing it. Now, thanks to the WOW Computer, countless older Americans are discovering the wonderful world of the Internet every day. Isn’t it time you took part?

Call now, and a patient, knowledgeable product expert will tell you how you can try it in your home for 30 days.

If you are not totally satisfied, simply return it within 30 days for a refund of the product purchase price. Call today.

Call now and find out how to get your own WOW Computer!

Please mention promotional code

45572.

1-888-810-8531

80341 Copyright © 2012 by firstSTREET for Boomers and Beyond, Inc. All rights reserved.

Have you ever said to yourself “I’d love to get a computer, if only I could figure out how to use it.” Well, you’re not alone.

Computers were supposed to make our lives simpler, but they’ve gotten so complicated that they are not worth the trouble. With all of the “pointing and clicking” and “dragging and dropping” you’re lucky if you can figure out where you are. Plus, you are constantly worrying about viruses, spam and freeze-ups. If this sounds familiar, we have great news for you. There is finally a computer that’s designed for simplicity and ease of use. It’s the WOW Computer, and it was designed with you in mind.

Lifestyles After 50 • October 2012 • page 47

Humana 2013 Medicare Advantage plans are here!

“Well, it’s a good plan. I think it’s a comfort zone for me, cause they’re there when I’m feeling ill and they’re there when I’m feeling well.”

Mary B. – Humana Gold Plus® (HMO) member

Humana has a full range of Medicare Advantage plans. Find out more about which one could be right for you.

To find ouT if a Humana plan is rigHT for you, call To scHedule an in-Home appoinTmenT or To find a neigHborHood meeTing.

1-800-372-2380 (TTY: 711)

8 a.m. to 8 p.m., seven days a week

DON’T FORGET! The Medicare Advantage annual enrollment dates are Oct. 15 – Dec. 7.*

Humana is a Medicare Advantage organization with a Medicare contract. A sales person will be present with information and applications. This is an advertisement. For accommodation of persons with special needs at sales meetings, call 1-800-372-2380 (TTY: 711), 8 a.m. to 8 p.m., seven days a week. *Some exceptions apply.

Y0040_GHHH9V2HH CMS Accepted

TMP 10/12