Lifestyles After 50 Southwest January 2014 edition

www.lifestylesafter50fl.com • Southwest • FREE

Vol. 25 • January 2014

Discover the Fun! Feb. 6-17 FEB. 9th – 20th, 2012

INSIDE THIS ISSUE • Amazing World Adventure • Eight Steps to Life’s Wellbeing • A Year of Happiness • Give Disc Golf a Whirl

Lifestyles After 50 • January 2014 • page 2

You Never Know What Will Happen When You Re-imagine Your Life Dear Readers,

A

new buzzword making the rounds is “re-imagine,” as in re-imagining life’s possibilities and asking the question “What’s next Janice Doyle, Editor for me?” It’s about making choices that fundamentally change your life. It can be as simple as imagining yourself if you gave up smoking and got healthier or if you started eating right and exercising more. You might re-imagine your life going back to school or creating a beautiful yard. So many possibilities!

Then there are people like Don Mankin of Los Angeles, a career academic and author of books on organizational psychology. He reimagined his life and now he travels the world as “The Adventure Geezer.”

I met Don recently at a travel writers conference. In December we talked on the phone and he told me he was spending the day going over his itinerary for travels in 2014. Oh, let’s see. He’s got a few things planned.

He’ll be kayaking in Croatia, sailing in Indonesia, hiking in Portugal, diving in the Galapagos Islands. He has six adventure trips in all, each of them two to three weeks long.

You can read Don’s article in this issue about three of his adventure travel trips last year—hiking to Machu

Pichu, crossing Russia by train, coming face to face with a lion in Namibia. The interesting thing about Don’s trips is that he’s not the only—and sometimes not the oldest—senior adventurer on his trips. Old is the new young when it comes to adventure travel.

Becoming “The Adventure Geezer” Don was an academic for 35 years, a Ph.D psychologist who taught classes, wrote books and became a university dean. About eight years ago, he was having dinner with a friend and handed the friend a copy of his recent book on business management. Don said, “My friend challenged me with some career advice: Stop working and writing in academia. The baby boomers are going to be interested in hearing about your travels.”

A light went off in Don’s head. In that instant, he re-imagined his life as an adventure travel writer. “It really was almost that abrupt,” he told me.

In reality, he had his lifetime of experience to draw on, like we all do.

The friend knew Don was already an author and that he had always been interested in travel. He knew that when the university opened an international study program in Thailand, Don had extended work trips to Thailand for the school, visiting Cambodia, Laos and Vietnam after the work part of the trip. “It had not occurred to me to write about my travels, even though I took lots of pictures,” Don said.

He spent the next year in academia while he wrote a book proposal, found an agent and sold his first adventure travel book to National Geographic.

And with that, he stopped working and became The Adventure Geezer!

Every year he takes extended trips that are centered on adventure. That means staying fit. “I’m very conscientious about the gym. I work out with an extremely rigorous program,” he said.

He said, “I’m as busy as I’ve ever been. I really haven’t had a boring day in years.”

That’s a good lesson for all of us. If we are bored, it might be good to start re-imagining life and allowing ourselves to be pulled by the possibilities that are all around us, whether for adventure, service to others or—well, look for yourself at where you’ve been and what’s out there for the future. Do you need to re-imagine yourself?

Lee, Collier & Charlotte 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 Office Manager Vicki Willis vicki@lifestylesafter50.com Administrative Assistant Nancy Spencer nancy@lifestylesafter50.com Production Supervisor/Graphic Design Kim Burrell kim@lifestylesafter50.com Associate Editor/Production Assistant Tracie Schmidt tracie@lifestylesafter50.com Distribution (941) 375-6260

Advertising Sales Lee/Collier and Charlotte Nancy Kuehne: (239) 822-6150 Sarasota/Manatee Dave Tarantul: (941) 284-2930

Attention!

The Lifestyles After 50 Fun Fest scheduled for January 14 in Sarasota has been cancelled. If you have any questions or concerns, please contact us at 888-670-0040.

Customer Service (941) 375-6260 dave@lifestylesafter50.com

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 Our other editions: Sarasota Edition: Sarasota/Manatee Hillsborough Edition: Hillsborough County Suncoast Edition: Pinellas/Pasco Counties Lake Edition: Lake/Marion Counties To learn more, call 1-888-670-0040

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 Feb. 2014 issue is Jan. 15, 2014. Magazines are out by the 7th of each month. All rights reserved.

Lifestyles After 50 • January 2014 • page 3

Free Lecture Series Begins

W

February

ednesday Morning Live! Community Lecture Series at Covenant Presbyterian Church, 2439 McGregor Blvd. The lectures are free of charge and open to the public.

5

“The Calusan”, Charles LeBuff, Local Historian & Author.

12

January

8

“Aspects of Peacemaking,” Rev. Dr. Jeffrey DeYoe, Pastor, Covenant Presbyterian Church.

19

“A Portrait of Wallis Simpson, the Duchess of Windsor,” Joanna Olson, Actress.

15 22

“Politics and Religion,” Frank Mann, Lee County Board of Commissioners.

“Our Forgotten Neighbors,” Barbara Mainster, Executive Director, Redlands Christian Migrant Association.

29

“Feed My People,” Al Brislain, President & CEO, Harry Chapin Food Bank.

“The Good, the Bad and the Ugly,” Doug Molloy, Film Critic (retired Chief Assistant U.S. Attorney).

26

“You Don’t Have to be a Minister to Talk About Business Ethics,” Dawn-Marie Driscoll, Business Ethics Expert.

Lectures/presentations begin at 10 am; coffee time at 9:30 am. No advance registration is required. Call 239-334-8937 or www.covpcfm.com for additional information.

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Wills, Trusts, POA’s, Living Will, Quit Claim Deeds and much More

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Around Town

W H AT ’ S H A P P E N I N G J A N U A RY 2 0 1 4

4

Guided Nature Walk on 1/4 Mile Loop Boardwalk, Prairie Pines Preserve, 18400 N. Tamiami Trail, North Fort Myers. 9 am. ADA-compliant boardwalk. 352-707-2206.

7

– 29 “Arsenic and Old Lace” performance at Florida Rep Theatre, 2267 First St., Fort Myers.

Admission is $25. 239-332-4488.

10

– Feb 1 “Death of a Salesman,” Laboratory Theater, 1634 Woodford Ave., Fort Myers.

Tickets are $20. Call 239-218-0481.

10

– Feb 15 “Into the Woods,” Tony winning musical at BIG ARTS Theater, Sanibel Island.

Tickets are $42. Call 239-472-6862.

Palm Dinner Theater. Tickets are $29. Call 239-278-4422.

24

– Feb 1 Ghost Walk at Koreshan State Historic Site, 3800 Corkscrew Rd., Estero. Admission is $10. Call 239-992-0311.

25

Caloosahatchee Celtic Festival in Centennial Park, Fort Myers. $5 admission. 239-321-7530.

25

Naples Empty Bowls combines art, music, great food. $15 donation to the Harry Chapin Food Bank. 11 am to 2 pm.

Cambier Park, 755 Eight Ave. S, Naples. emptybowlsnaples.org.

10 10

26

10

27

– 19 “Harvey” by Cultural Park Theatre, Cape Coral. Tickets are $18. Call 239-772-5862.

– 12 Food and Wine Weekend with celebrity chefs at Gasparilla Inn & Club, Boca Grande. 941-964-4500.

– 31 Gallery showing of artist Francoise Marie Thein, “Fused Glass and Ceramics.” Artist Kathleen Bradford Gallery, 4259 Bonita Beach Rd. Bonita Springs. 239-776-6844.

11

12 and 18, 19 Medieval Fair

by Riverdale Kiwanis at Lakes Regional Park. Entertainment, vendors, contests, jousting and much more. 9 am to 6 pm. 239-369-6881.

Pugfest IX – Wild West PugFest. Dog costumes, contests, more. Bell Tower Shops, Fort Myers.

Call 239-533-4826 for details.

26

– 27 “Great American Songbook” at Broadway Palm Dinner Theater, Fort Myers. $35 show only; $58 with dinner. 239-278-4422.

Valentine’s Day Paper Stitching. Create hand-sewn Valentine’s Day cards. Registration required. 6 pm. East County Library.

Call 239-533-4215 to learn more.

27

2nd Book of Ruth Reading at Laboratory Theater, Fort Myers. $20. 239-218-0481.

12

31

16

31

Bayside Estates Mens Club Pancake Breakfast at Bay Sides Estates (San Carlos Blvd. at Pine Ridge Rd). $5/eggs, sausages, pancakes, drinks. Info at 609-226-9955.

Greeters Club New Year welcome lunch. Entertainment

by The Calendar Girls. $20. Info and reservations at greetersclub@gmail. com. Meetings are third Thursdays.

Colonial Country Club, 9181 Independence Way, Fort Myers.

16

– March 15 “Nana’s Naughty Knickers” at Off Broadway

– Feb 2 Art Fest, Fort Myers’ free downtown weekend of art, competitions, activities.

For details, call 239-768-3602.

– Feb 17 “Guys and Dolls” at Cultural Park Theatre, Cape Coral. $18 tickets. Call 239-772-5862.

Send Around Town news to News Connection USA, Inc., P.O. Box 638, Seffner, FL 33583; fax (813) 651-1989 or email calendar@srnewsconnection. com. News must be received by the 10th of the month prior to event (i.e.

January 10 for February event.)

Lifestyles After 50 • January 2014 • page 5

Canadians in Florida can find a TD Bank as easy as they can find a beach.

Great service and convenience for Canadians at nearly 1,300 TD Bank locations in the U.S. •

No-fee wire transfers of up to $100,000 daily between your Canadian and U.S. based TD accounts over the phone.1

•

View your Canadian and U.S. based TD accounts on the same webpage or mobile device.

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Pay your U.S. bills online or on your mobile device.

•

Use your Canadian and U.S. assets,2 income and credit history to apply for a U.S. mortgage3 or a U.S. credit card.4

To open an account, visit a TD Bank Store near you or call 1-877-700-2913 anytime.5 TD Bank is TD Bank, N.A., a wholly-owned U.S. subsidiary of The Toronto-Dominion Bank. Member FDIC. Accounts issued by TD Bank, N.A. are not insured by Canada Deposit Insurance Corporation. 1 Money transferred by wire transfer only. Incoming wire fees may apply and will be rebated the next business day. Foreign exchange conversion rates may apply. 2 Assets are only considered for mortgage applications. 3 Subject to credit approval and other conditions. Mortgages limited to property located in U.S. state where TD Bank, N.A. has locations. Equal Housing Lender . 4 Credit cards issued by TD Canada Trust or TD Bank, N.A. Subject to credit approval. Applicants for a TD Bank, N.A. issued card must have a U.S. address within the TD Bank, NA footprint (PA, NY, NJ, CT, NH, ME, MA, FL, VT, DE, MD, DC, NC, SC, VA or RI). Other restrictions apply. 5 TD Bank, N.A. is located in the United States and its support line, Stores, products and services are primarily serviced in English. ® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

Lifestyles After 50 • January 2014 • page 6 0003506_N4106_2A.indd 1

12/12/13 4:08 PM

Resolutions for Life: 8 Steps to Wellbeing T

he New Year’s resolution to be healthy often comes with the realization that we must change our lifestyle, for our own sake and for loved ones. Each year, millions of people make this resolution, but quickly revert to old habits as they struggle to balance responsibilities of everyday life.

Here are several steps to better health that will turn your New Year’s resolution into a significant long-term investment.

Retirement Living Make it real. Our society tirelessly

promotes rehabilitation—a reactive measure that most only consider after neglecting an existing issue. In reality, the most effective way to combat health problems is to address them before they arise or become worse— let’s call it prehabilitation. Make a commitment to get ahead by writing down a few weekly goals today.

SHELL POINT For t Myers, Florida

Develop a great mindset.

feeling you have when you begin working out.

Numerous studies show that athletic performance decreases when an individual is dehydrated by as little as two percent of body weight.

Cancer patients who choose to exercise and eat healthy before and during treatment are more likely to experience an improved response to medication. After a long day at work or even in the face of good-natured joking from friends who might be surprised to see you order a healthy meal, adopt the mantra “I will not be defeated.”

Add fresh fruits and vegetables to your diet. Give your

body the vitamins and nutrients it needs to recharge for your next activity.

Start small. Don’t make the mistake of thinking minor activities do not count. Light aerobic exercise five times a week, even if it’s only a few laps around the mall or your local grocery store, is a great place to start.

Reward yourself for your commitment. Choose one day each

Drink eight ounces of water, eight times a day. Drinking the right

amount of water each day helps you maintain higher energy levels, keeps you fresh and extinguishes the “icky”

week and give yourself permission to indulge in a sweet treat or craving as a reward for staying committed to your goals. Don’t forget to pay close attention to portion size.

Find an accountability partner.

An accountability partner will hold you to your resolution and ask you

the questions you might otherwise avoid. An emotional connection with someone who cares about your well-being will help you keep sight of your resolution. You might even motivate them to exercise with you.

Set the example. Build strength and

energy to engage in family activities.

Children model what they see at home, so make time to exercise, or even cook a healthy meal together. You will show others the value of taking care of themselves for the rest of their lives.

Whether you are battling cancer or are just a newcomer to exercise, you can begin a new routine today with these tips and a good pair of shoes.

After all, shouldn’t living a healthy lifestyle be a life-long resolution?

Karen Barber, PT, is director of oncology rehabilitation at Cancer Treatment Centers of America at Southeastern Regional Medical Center in Newnan, Ga.

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Lifestyles After 50 • January 2014 • page 7

Guardian ad Litem: Saving the World One Child at a Time When the Department of children and Families he most (DCF) investigates important thing allegations of abuse and I do as a guardian ad determines the safety risk or litem is to gain a child’s threatened harm to children trust, to get them to requires ongoing superviknow that I’m going sion and services, they bring to be in their life and a petition to the dependency stay there through judge to consider. If the the process,” says judge grants the petition, a Nancy Kuehne Nancy Kuehne. “That case is opened and the GAL involves a lot of contact and they program may seek appointment. DCF know they can call me any time.” contracts with local case management Kuehne has been a guardian agencies (Lutheran Services Florida ad litem (GAL) for more than and Family Preservation Services) to 50 children in the past six years, provide oversight and facilitate parents’ court-appointed to represent the progress in completing services child’s best interest in court and to required in order to be reunified with be their voice in the legal arena. their children. The GAL works alongShe says, “I prefer very challenging side the case manager in these situacases. I know that it’s going to tions, ensuring the child’s best interest involve a lot of effort on my part is upheld at each juncture of the case. as well as follow-up. I love the Does the court listen to guardian challenge.” Kuehne is the Marketing ad litems? “Yes,” says Kuehne. “We Sales Rep for this publication. are another set of eyes and ears for

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To be a good volunteer, you the child. It’s what the don’t have to be a social program is all about. If worker or have a degree of the case is going in a any kind. You do have to direction I don’t agree have a heart for children and with, I offer the judge a lot of common sense.” my opinion. The judge Volunteer applicants may agree or not.” She have a background check, adds, “I’ve had cases fingerprinting and an that I was happy with the outcome and some Suzanne Flinn, Volunteer orientation. Then they fill I was not happy with.” Recruiter, Guardian ad Litem out an application, have an interview and receive three One case she has now days of training. Flinn points out that is a young man, 12 years old, who “most of the work of a guardian (visiting calls her every night, which is fine the child, spending time) is on your own with Kuehne: “I’m the only person time. Of course, court appointments he trusts right now.” Once the trust is built, she can help in other areas of life follow a definite work-day schedule.”

What are the joys of being a such as school. She encourages them guardian? One guardian says to go with doing the positive instead she “does it for the hugs.” of the negative. “Most of them have 60 percent of children in foster experienced a lot of negative and I care have guardian ad litems working want to help them turn that around.”

Suzanne Flinn is the Volunteer Recruit- with them—that means that about er for the area’s GAL Programs. Flinn 40 percent still need that service. says, “Guardians monitor, gather facts, To learn more: call 239-357-9889 or email suzanne.flinn@gal.fl.gov. facilitate and advocate for children.

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You must continue to pay your Medicare Part B premium, unless paid by Medicaid or another third party. **Available in select counties. Florida Blue HMO is an HMO plan with a Medicare contract. Enrollment in Florida Blue HMO depends on contract renewal. The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan. Limitations, copayments and restrictions may apply. Benefits, formulary, pharmacy network, provider network, premium and/or copayments/coinsurance may change on January 1 of each year. 1Dental coverage not included in all counties. This information is available for free in other languages. Please call our Member Services number at 1-800-926-6565. We are open from 8 a.m. – 9 p.m. ET, 7 days a week, all year long. TTY users should call 1-800-955-8771. Esta información está disponible de forma gratuita en otros idiomas. Llame a nuestro número de Servicio al Cliente al 1-800-926-6565. Estamos abiertos de 8 a.m. a 9 p.m., Hora del Este, los siete días de la semana, por todo el año. Usuarios de equipo teleescritor (TTY) deben llamar al 1-800-955-8771. Health insurance 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.

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Lifestyles After 50 • January 2014 • page 8

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Lifestyles After 50 • January 2014 • page 10

Woman’s Osteoporosis Improving After Using Low-Intensity Vibration

S

ara Meeks, 74, was diagnosed several years ago with osteoporosis—a degenerative bone condition associated with age that causes the bones to become porous and frail. But at a time when her bone health should be deteriorating at a rapid pace, it is actually improving.

Although still technically considered to be osteoporotic, her bone density has steadily increased since 2005.

“Since I’ve started using the low-intensity vibration as part of my comprehensive routine, my bone density has risen 10.8 percent,” Sara said.

Sara began using lowintensity vibration about seven years ago when she discovered research by Marodyne Co-Founder and Chief Scientific Officer, Dr. Clinton Rubin. Dr. Rubin has spent more than 25 years researching the effects of low-intensity vibration in relationship to bone health and musculoskeletal issues.

“The reason I use it is because Dr. Rubin was able to show me that low-intensity vibration is affecting my bone health on a deeper level than just muscle contraction,” Sara said.

As a physical therapist, Sara has focused the last 30 years of her career on bone health. Dr. Rubin’s research on low-intensity vibration originally intrigued her because of his commitment to discover a non-drug alternative to bone health treatment.

“I’m really excited to see technology like this,” Sara said. “I’m an advocate for a non-drug approach to health—especially bone health.”

There are other forms of vibration treatment on the market, Sara said.

Those, though, are less safe and are considered to be a different type of vibration therapy, called whole-body vibration.

“Other forms of whole-body vibration are dangerous,” Sara said. “The devices can give you headaches. That’s not what people want; they want safety.”

Dr. Rubin’s LivMD device is the only vibration therapy Sara advocates her clients utilize. Both she and her husband have been using the low-intensity vibration tablet daily to promote bone health in their lives, she said.

LivMD was developed based on The Occupational Safety and Health Administration’s (OSHA) safety standards. The device, which emits a vibration of 0.4g at 30HZ, is safe to stand on for up to 4 hours per day, according to Marodyne.com.

“It’s the only one I would use because it was designed with safety in mind,” Sara said.

Dr. Rubin’s research suggests that participants use the device for 10 minutes daily to achieve desired results. One of the features Sara loves about LivMD is its simplicity. Unlike many other devices, she said, LivMD is not heavy and doesn’t require a lot of space.

“If you purchase a LivMD, it’s about the size of a bathroom scale,” Sara said. “You don’t have to do anything except stand on it.”

Sara described the sensation while standing on the device as a nice buzzing that works its way through the body. Both Sara and her husband find the sensation to be relaxing and the device easy to use.

“In my experience, people don’t like to exercise. If you can give them something that fits into their daily life, they’re more likely to do it. This fits into your life.”

For more information about LivMD or Marodyne Medical, visit Marodyne.com.

You can learn more about Sara Meeks on her website SaraMeeksPt.com.

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Lifestyles After 50 • January 2014 • page 11

Reverse Mortgage - The Facts May Surprise You We find that many people don’t understand the benefits of a reverse mortgage or how it works. It’s a program created specifically for homeowners age 62 and older that allows them to continue to own and live in their home with no monthly mortgage payment. How it works is easier than you may think. You access a portion of your home’s equity as tax-free money. The money pays off your current mortgage (if you have one) and any remaining money can be used for anything.

This relatively simple program has generated several myths over the years that simply aren’t true and we continue to hear them every day from our new clients. Here are just a few: Myth #1 The bank owns my home. NOT TRUE. Fact #1 We want you to keep your home which is why this program was created. You remain the title holder of your home.

Myth #2 My kids will be responsible for the repayment of my loan. NOT TRUE. Fact #2 The loan is due when you vacate the home. This is typically handled by selling the home and paying off the loan with the proceeds…just like a traditional mortgage.

Myth #3 I can’t get a reverse mortgage if I already have a mortgage on my home. NOT TRUE. Fact #3 If your home has enough equity, the reverse mortgage will pay off your current mortgage and eliminate your monthly mortgage payment because monthly mortgage payments are not required on a reverse mortgage.*

The benefits of a reverse mortgage: • No Monthly Mortgage Payments* • YOU remain the owner of YOUR home • Get tax-free money from the equity in your home that can be used for anything • Insured by the Federal Government • Improve your Quality of Life About One Reverse Mortgage • We are approved by the Federal Housing Authority (FHA) and the Department of Housing and Urban Development (HUD) • We are a proud member of the National Reverse Mortgage Lenders Association (NMRLA) and the Mortgage Bankers Association (MBA) • We have an A+ rating with the Better Business Bureau • Our process is simple and easy ~ you can even close your loan in the comfort of your home!

You can find all of the Myths and Facts on our website at www.onereversemortgage.com People get a reverse mortgage for a variety of reasons. Many of our clients simply want to be able to do more. Eliminating their monthly mortgage payment alone can increase monthly cash flow.

Others are having trouble making ends meet and fear they could lose their home. The reverse mortgage allows them to continue to own and live in their home as well as increase their savings account.

Some of our clients discovered how a reverse mortgage can be a great retirement tool. It allows them to access funds from their reverse mortgage before tapping into investments that are continuing to grow in value. They didn’t think they could afford to retire until much later in life and discovered they could retire much earlier with the help of a reverse mortgage.

Hopefully this article has educated you on the facts about reverse mortgages, as well as a few ways it can help. Maybe it can change how you live your life too. Don’t believe all that you hear, make sure you get the facts.

A Real Client Story “I will always be grateful to One Reverse Mortgage for giving me the ability to retire 10 years early.

With an average amount of debt and a 30 year mortgage, I was targeted to retire at 73. I remembered a television commercial saying, ‘take control of your retirement today.’ these words and One Reverse Mortgage changed my life.”

Mike B., Georgia

CALL TODAY TO LEARN MORE.

(800) 455-1557 Article By: Gregg Smith, President and COO

* Homeowner is still responsible for taxes, insurance and maintenance.

One Reverse Mortgage is a licensed mortgage lender. The following states require disclosure of licensing information. (If your state is not listed, it doesn’t require a specific license disclosure or we are not currently licensed in that state.) Arizona – One Reverse Mortgage, LLC, 16425 North Pima, Suite 200, Scottsdale, AZ, Mortgage Banker License #BKBR-0115032; Arkansas – One Reverse Mortgage, LLC, 9920 Pacific Heights Blvd, Ste 350, San Diego, CA, Mortgage Lender/Mortgage Broker – License # 42785; California – Licensed by the Department of Corporations under California Finance Lenders Law – License # 609-9652; Georgia Residential Mortgage Licensee (#23385) – 9920 Pacific Heights Blvd, Ste 350, San Diego, CA; Illinois – Residential Mortgage Licensee #MB 6760594 – Department of Financial and Professional Regulation, 122 S. Michigan Ave 19th Floor, Chicago, IL 60603 (312) 797-8736, 9920 Pacific Heights Blvd, Ste 350, San Diego, CA; Maine – One Reverse Mortgage, LLC, Supervised Lender License NMLS #3030; Massachusetts – One Reverse Mortgage, LLC, Mortgage Lender License #MC 2052; Nevada – One Reverse Mortgage, LLC 8275 South Eastern Avenue, Suite 200, Las Vegas, NV 89123 - One New Hampshire – Licensed by the New Hampshire Banking Department #10940-MB; New Jersey – Licensed Mortgage Banker – NJ Department of Banking, first (and/or second) mortgages only; New York – Licensed Mortgage Banker, N.Y.S Banking Department, License #107328; Oregon – License #ML-3511; Pennsylvania – Licensed by the Department of Banking–License # 21860; Texas – One Reverse Mortgage, LLC 9920 Pacific Heights Blvd, Ste 350, San Diego, CA; Virginia: One Reverse Mortgage, NMLS ID #2052 (www.nmlsconsumeraccess.org). Restrictions may apply. Washington – Consumer Loan Company License – CL –2052. Equal Housing Lender, One Reverse Mortgage Nationwide Mortgage Licensing System Number 2052

Lifestyles After 50 • January 2014 • page 12 FL Advitorial.indd 1

12/19/13 11:25 AM

Five Common Money Regrets A ARP lists these items as some of the most common money regrets:

• Time-shares: Beware of turning

your travel fantasies into the reality of maintenance cost nightmares.

• First-Generation Technology:

Consumer electronics and other technology tend to both improve in quality and drop in price after the bugs in the first-generation are worked out and market demand increases.

• ‘As Seen on TV’ Products:

Miracle products offered at an “unbelievably low price” or even for free usually come with high shipping and handling costs. And if a product fails to perform as promised, getting your money back requires, many times, a true miracle.

• Extended Warranties: So-called added protection plans commonly offered on consumer electronics and appliances are almost always a great deal—for the party selling them. Remember, most products come with a manufacturer’s warranty to protect against defects and provide some level of consumer satisfaction.

• Get-Rich-Quick Schemes:

An audio course for getting rich by buying real estate? A couple of bucks a week for lottery tickets?

The odds are severely stacked against you when it comes to making your fortune in a way that seems too easy to be true. Watch out for “collectible” items, too; they rarely increase—or even retain—their value over time.

Information from AARP.

Facts About Parkinson’ s Disease P

arkinson’s disease is a progressive nervous system disorder that affects movement and may cause shaking, muscle stiffness, slowing of movement, impaired balance or other symptoms. It impacts about 1 in 200 people.

Five things every person should know about Parkinson’s disease:

• Genes are to blame in a small number of people, but for most the cause of Parkinson’s disease is unknown.

• The diagnosis is based on symptoms and signs.

There is no blood test to diagnose it, although researchers are working With the right medications, a to develop a healthy diet and exercise regimen, test to detect the people with Parkinson’s disease • People with disease years may live 20 years or longer.

Parkinson’s disease before it presents. are usually diagnosed in their 60s, and risk increases with • Parkinson’s disease can shorten age. Early onset, such as Michael lifespan mainly due to swallowing J. Fox’s, is uncommon. problems with pneumonia or injuries from falling. Measures • With the right medications, a can be taken to prevent this from healthy diet and exercise regimen, happening or reduce occurrances. people with Parkinson’s disease may live 20 years or longer.

Information from Mayo Clinic.

Lifestyles After 50 • January 2014 • page 13

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TDD 1-800-955-8771 Florida Relay.

Is Your Vision Cloudy or Blurry?

You May Have Cataracts

BY JONATHAN M. FRANTZ, MD, FACS

O

f the many changes that happen with age, cataracts are one of the most inevitable. As you age, the lenses in your eyes become cloudy, causing blurry vision, sensitivity, glares and rings of light known as halos—often at night and while driving. Surgery is the only way a cataract can be removed. Cataract surgery should be considered when cataracts interfere with your ability to live your desired lifestyle or perform daily tasks.

Dr. Jonathan Frantz introduced Bladeless Laser Cataract Surgery to southwest Florida in 2012, the biggest advancement in cataract surgery in 20 years. He added the ORA System with VerifEye to continuously monitor the measurements of a patient’s eye during cataract surgery.

If you have been diagnosed or think you may have cataracts, Dr. Frantz will explain the difference between

traditional cataract surgery and the bladeless laser cataract procedure and discuss the various intraocular lens options at two upcoming seminars: Tuesday, January 21, 12:30 pm in his Fort Myers office, 12731 New Brittany Blvd. and Wednesday, January 22, noon in Naples, 2100 Tamiami Trail.

To make reservations, or to schedule an appointment, call 239-418-0999 (Fort Myers) or 239-430-3939 (Naples) or visit www.BetterVision.net.

Jonathan M. Frantz, MD, FACS, is named in The Guide to America’s Top Ophthalmologists. He and his team of doctors at Frantz EyeCare offer a broad spectrum of patient-focused comprehensive care from eye exams and eyewear to bladeless laser cataract removal, treatment of eye diseases, bladeless iLASIK laser vision correction, and eyelid surgery with office locations in Fort Myers, Cape Coral, Punta Gorda, Lehigh Acres, and Naples.

Frantz Bladeless LASER Cataract Surgery Another FIRST in Cataract Surgery Technology Order online at www.rtfacelove.com or by phone Toll Free 1.855.502.3002.

Dr. Jonathan Frantz now offers the area’s first LASER-guided technology with VerifEye to further customize your surgery and enhance your vision.

Trust your eyes to our area’s most experienced laser cataract surgeon.

When Renee and Cindy met, Cindy asked Renee, would you ever have a facelift? Renee replied, I would never have surgery, because when I go to heaven I don’t want God to ask me “Who Are You?” Renee now 80, much known for her brilliant smile is becoming even more famous for creating a face tightening serum that instantly de-puffs under the eyes and instantly tightens and smoothes skin. Cindy, Renee’s personal make-up artist created the exclusive formula that has peptides and proteins that work better-than-Botox. faceLOVE™ face tightener has received rave reviews and an endorsement for best product of 2013 by the Huffington Post. faceLOVE™ works with just a few drops and diminishes fine lines and de-puffs under the eyes immediately.

One $ 59.00 Dollar bottle will last for several months since it is only used on specific areas such as under the eyes and applied directly on laugh lines or any facial lines. The product comes with free shipping and a free lipstick that Renee picked out herself. For more information or to order the product online at www.rtfacelove.com or by phone Toll Free 1(855) 502-3002.

Lifestyles After 50 • January 2014 • page 14

To schedule your appointment:

Call 418-0999 or visit BetterVision.net

Accepting United Healthcare, Medicare, and most major insurances for cataract evaluations and second opinions.

CHARITABLE GIVING THROUGH INDIVIDUAL

RETIREMENT ACCOUNTS IRA ROLLOVER

IRA OPTIONS

If you are over age 70½, the Federal government permits you to rollover up to $100,000 from your IRA to All Children’s Hospital Foundation without increasing your taxable income or paying any additional tax. These tax-free rollover gifts could be $1,000, $10,000 or any amount up to $100,000 this year. The gift satisfies your RMD for this year.

Future IRA Gift Options

Lydia E. Bailey, CFRE All Children’s Hospital Foundation 500 7th Avenue South St. Petersburg, FL 33731 727-767-8914 lydia.bailey@allkids.org www.givetoallkids.org All Children’s Hospital Foundation qualifies under Section 501 (c)(3) of the IRS Code. Our Federal Tax Identification Number is 59-2481738. Our Florida Solicitation of Contributions Act Registration Number is SC- 07080-IM. A Copy of the official registration and financial information may be obtained from the Division of Consumer Services by calling toll free 1-800-435-7352, within the state. Registration does not imply endorsement, approval, or recommendation by the state. We retain no professional solicitors and our Foundation receives 100% of each contribution.

While you have the opportunity to give through your IRA now, there are other options available for making future gifts from your IRA account to All Children’s Hospital Foundation.

Bequest of IRA

One option is to designate a All Children’s Hospital Foundation as the beneficiary of your IRA. This permits you to continue to take withdrawals from your IRA during life and then leave the remaining value of your IRA to All Children’s Hospital Foundation.

Testamentary IRA Gift Annuity

Another option would be to use your will to fund a gift annuity with your IRA. The annuity will provide your family with income for their life or a number of years and will also provide a nice gift to All Children’s Hospital Foundation.

Testamentary IRA Unitrust

You could also use your will to transfer your IRA to a special “Give it Twice” trust. These trusts usually provide income to children for up to 20 years. Once all the income has been paid to family, the remainder of the trust is given to All Children’s Hospital Foundation.

SIMPLE, EASY GIFT

If you are like many individuals, your IRA has increased in value over the years and you have more income than you may need.

The IRA rollover gift is a simple and easy way to provide for All Children’s Hospital Foundation while not increasing your taxable income. Simply contact your custodian and request that an amount be transferred to All Children’s. Charity receives a nice gift and you avoid any additional tax and satisfy your RMD for the year.

MAKE A MAJOR GIFT

Perhaps you are considering your tax planning goals and would like to make a major gift to charity. Like many individuals, your IRA may be the largest asset in your estate. Your CPA may be looking for ways to save taxes. By making an IRA charitable rollover gift of up to $100,000, you can reach your goal of helping charity in a significant way and reducing your taxable income.

Lifestyles After 50 • January 2013 • page 15

Protect Your Family,

Plan Now

Nation’s Leader in Funeral Homes and Cemeteries

• Pre-planning your funeral arrangements is the greatest gift you can leave your loved ones • Personalize your service • Eliminates tough decisions for your loved ones at a very difficult time • Lock in prices to protect you from future inflationary price increases • Affordable monthly payments plans are available

Call Today and Receive Your

Free Personal Planning Guide and if a Veteran, our

Free Veterans Planning Guide 239-822-0185 • samrharmon@aol.com Funeral Services are provided by the many Dignity Memorial® Providers in the Fort Myers area including

Hodges-Kiser Funeral Home www.dignitymemorial.com

Samuel R. Harmon Pre-Planning Advisor Email: samuel.harmon@sci-us.com

A Wise Decision That Shows You Care

N

o one wants to talk about death or dying. Nor do they want to think about planning for their own funeral.

However, most of us plan for important life events, such as weddings, our children’s education and retirement.

Shouldn’t we prepare for the inevitable?

The death of someone you care for, together with wanting to make the right decision—especially when you have a limited amount of time to attend to all the details—leaves many families feeling overwhelmed. Often these decisions must be made when a family is grieving and is the least prepared to deal with them.

That’s why it’s so important to give serious thought to your personal wishes, and to arrange your services in advance. It is the final gift to our loved ones, relieving them of the emotional and financial burdens of attending to the many details that accompany the death of a loved one.

As North America’s largest provider of funeral, cremation and cemetery

services, the Dignity Memorial network is the name families turn to for compassionate and professional final arrangements. Dignity Memorial providers care for more than 300,000 families each year and understand the importance of thoughtful, personalized arrangements.

The Dignity Memorial network has three funeral homes and one cemetery in Fort Myers, and one funeral home and cemetery in Cape Coral. In addition, there is one funeral home in Lehigh and one funeral home and cemetery in Naples.

To learn more about the many benefits of pre-planning ones final arrangements, and receive your free Personal Planning Guide and Veterans Benefits Guide, contact Sam Harmon at 239-822-0185 or samrharmon@ aol.com.

Medicare Answers D

ear Marci, My mother has difficulty leaving her home and needs skilled care. What types of home health care does Medicare cover? —Gretchen Dear Gretchen, if your mother meets certain requirements, Medicare may cover the following home health services:

• Skilled nursing services, such as tube feedings and wound care

• Skilled therapy services, such as physical therapy and speech therapy • Home health aide services, such as help bathing or dressing

• Medical social services ordered by a doctor to help with social and emotional concerns related to an illness • Medical supplies, such as wound dressings

• Durable medical equipment Medicare will only pay for the home health services listed above if Lifestyles After 50 • January 2014 • page 16

your mother is homebound (i.e. it is extremely difficult for her to leave her home and she requires help to do so) and has a need for skilled nursing care or skilled therapy services. Skilled care is when the care can only be provided by a licensed nurse or therapist.

Your mother must also have a faceto-face visit with a health care professional within 60 days before she gets home care or 30 days after she receives care. Her doctor must sign a home health certification confirming that she has had this visit and that she qualifies for home care because she is homebound and needs skilled care. Keep in mind that her doctor will need to approve her plan of care every 60 days.

Lastly, Medicare will cover home health care if your mother receives certified care from a Medicare-certified home health agency (HHA). Visit medicare.gov or call 800-MEDICARE to locate Medicare-certified home health agencies. —Marci

Veterans Corner

Understanding Your Family Member Returning from War

BY EVELYN MACKEY

“W

ar is always the same.” “War is different today.” Both statements are true and both statements are false. Older veterans and non-vets alike tend to think today’s soldiers should be able to come home and blend in with society—“get on with life.”

Many older soldiers did just that. And that’s where war today is different.

While World War II veterans may also suffer from PTSD, there are several differences between World War II and Vietnam veterans and Iraqi War veterans. World War II soldiers remained with their units for extended periods of time, rather than being rotated in and out of a unit, and they remained together after the war for several months (often spending a month together on a ship returning from the war), helping them “process” their experiences among others who had also had those experiences.

Vietnam veterans individually returned home after a thirteen month tour of duty, meaning they had no one who could relate to them after they served; it was almost as if they had fought the war alone because they returned home alone. This is often true of recent war vets as well.

PTSD is a very real condition, and families are wise to know what is happening to their son, grandson, daughter or granddaughter returning from Iraq.

One simple thing to understand is that they feel “on edge” in many situations.

What is feeling on edge?

Feeling on edge in crowds means finding it hard to stop thinking about safety. It may involve having a short fuse or being hypervigilant, or being on very high alert to possible risks or threats—constantly “on guard.” It may be the result of an experience in a combat zone, a non-combat training exercise or another type of traumatizing event in military or civilian life.

One man said, “When I went out for dinner, I always wanted to have my back to the wall and be able to see the door from where I was sitting.”

Hypervigilance can interfere with the ability to enjoy life or even just get through the day. It may be having trouble concentrating, feeling irritable and reacting strongly to sounds and sights around. Others experience physical effects like a pounding heart, headache or upset stomach. Hypervigilance may also lead you to distrust other people or try to control their actions.

How can you help?

Grandparents and others can help in these ways: • Be a non-judgmental listener.

Don’t push for details. When your loved one begins talking, settle in to be a quiet, non-interrupting listener for as long as it takes. Give him or her plenty of time. Talking to family and friends can be a first step in the healing.

(And, Old Soldiers, don’t you dare start telling your own war stories!

As tempting as it is, this is not about you until the other person asks!)

• Ask the person if they would like to go to the park, the store, for a walk. Accept their answer without belittling them or begging. Be ready to help them find treatment and offer to drive them to their appointments.

• When you see panic in their eyes, quietly say, “Take a deep breath.” Ask gently if they’d like to talk about what they’re feeling.

• Help them quietly remove themselves from upsetting situations without making a scene about it yourself.

• Don’t give advice unless you are asked.

Resources: Your local Vet Center sees vets free, without an appointment and regardless of enrollment status with VA.

LAW OFFICE OF

ROBERT H. EARDLEY, P.A. PRACTICE CONCENTRATING IN: • Wills and Revocable Trusts • Probate Administration • Estate Tax Planning • Elder Law • Prenuptial Agreements • Florida Tax Residency Planning • Powers of Attorney/Living Wills Robert H. Eardley, Esq., LL.M. Florida Bar Board Certified Wills, Trusts & Estates Attorney Master of Laws Degree in Estate Planning

1415 PANTHER LANE, SUITE 221 NAPLES, FL 34109 (239) 591-6776 WWW.SWFLORIDA-LAW.COM The hiring of a lawyer is an important decision that should not be based solely upon advertisements.

Before you decide, ask us to send you free written information about our qualifications and experience.

You are never to old to learn how to play music.

Play for FUN! Beginner ADULT Music Lessons Only $24.95 per month

239–939–4549 New Location

1382 Colonial Blvd. • Fort Myers, FL Next to Broadway Palm

Child Advocate Volunteer Orientations Announced!

Wednesday, January 8th @ 5 pm – 6 pm or Thursday, January 23rd @ Noon – 1 pm

Who speaks up for abused, neglected and abandoned children living in our area? Guardian ad Litem volunteers, supported by staff, advocate for our most vulnerable children in court, the child welfare system and the community. If you are a Florida resident, at least 21 years old, with 8–10 hours monthly to volunteer, you’re invited! The exact duties and time required will be discussed and all of your questions answered on Wednesday, January 8th @ 5 pm – 6 pm or Thursday, January 23rd @ Noon – 1 pm at the Guardian ad Litem Office, 2075 West First Street, Suite 300, Fort Myers. To make an online inquiry, please visit www.VoicesForKids.org. For more information and to reserve your orientation spot, please contact Suzanne Flinn at suzanne.flinn@gal.fl.gov or 239-357-9889.

Lifestyles After 50 • January 2014 • page 17

Wherever you live in Northern Lee & Charlotte Counties there is a Walgreens store nearby

Weight Matters: Exercise Has Positive Effects On Joint Wellness

BY DR. JOHN C. KAGAN

E

Open 24 Hours 805 Cape Coral Pkwy., Cape Coral, 33990 ................ 239-945-1076 1800 Tamiami Trail, Port Charlotte, 33948 ................. 941-625-4847 22449 Edgewater Dr., Port Charlotte, 33980.............. 941-625-4346 Other Stores - Call For Hours 4 N.E. Pine Island Rd., Cape Coral, 33909 ................ 239-242-2231 6 Del Prado Blvd., Cape Coral, 33990 ....................... 239-458-2204 2710 Del Prado Blvd., Cape Coral, 33904 ................. 239-574-1932 1606 Del Prado Blvd., Cape Coral, 33990 ................. 239-458-7427 2409 Santa Barbara Blvd., Cape Coral, 33914 .......... 239-458-8576 611 Burnt Store Rd., Cape Coral, 33991 .................... 239-690-4939 1534 Cape Coral Pkwy., Cape Coral, 33914 .............. 239-541-2035 17970 N. Tamiami Trail, Cape Coral, 33903............... 239-599-3005 16000 N. Cleveland Ave., North Fort Myers, 33903 ... 239-656-3419 13501 N. Cleveland Ave., North Fort Myers, 33903 ... 239-997-4332 6370 Bayshore Rd., North Fort Myers, 33917 ............ 239-658-1424 3795 Tamiami Trail, Punta Gorda, 33950 ................... 941-505-8882 1930 Kings Highway, Port Charlotte, 33980 ............... 941-764-8444 3001 Tamiami Trail, Port Charlotte, 33952 ................. 941-235-6399 Ask About: • Our durable goods product lines: lift chairs, wheelchairs, walkers • Our “Go 90” prescription program • Our prescription savings club • Our exclusive savings for AARP members • Our prescription “auto fill” program • Our Balance Rewards Card

Shingles shots now recommended for adults 50+

ach New Year people everywhere incorporate goals for losing weight and staying fit into their resolutions. When it comes to joint health, the two main reasons to exercise and watch your weight in this New Year include preventing joint pain and reducing your risk for osteoarthritis.

Osteoarthritis (OA) is the most common type of arthritis in the United States and is also called the “wear and tear” arthritis. Being overweight can increase a person’s risk for developing osteoarthritis due to added wear and tear on the joints. OA is a result of smooth cartilage that once cushioned the joints wearing away and becoming rough and frayed.

The stress of bearing extra body weight is particularly challenging on the knee and hip joints. Our knees, for example, feel a force that can be two to five times a person’s body weight during daily activities such as going up and down stairs and squatting. In OA, cartilage does not grow back or heal. The damaged cartilage can cause severe pain, limit a person’s activities and potentially cause a total loss in mobility.

With exercise, weight loss and weight management, the reduced pressure on the joints also greatly reduces the risk of joint pain and OA. Exercise strengthens the muscles that surround each of our joints. Strong muscles help with weight bearing on the joints and as a result, the bones in the joints will carry less of the weight which helps to protect the cartilage from damage. Muscle strengthening exercises can be found below:

• Calf Stretch: Stretching your

calves and the muscles in the back of your leg will help improve flexibility and support movement.

Lean forward against a wall with one knee straight and the heel on the ground. Place the other leg in front, with the knee bent. To stretch the calf muscles and the heel cord, push your hips toward the wall in a controlled fashion. Hold the position for 10 seconds and relax. Repeat this exercise 20 times per foot. A strong pull in the calf should be felt during the stretch.

Lifestyles After 50 • January 2014 • page 18

• Step-ups: A step-up is an exercise

that strengthens quadriceps. The quadriceps muscles in the thigh help support the knee joint.

Start by standing in front of an eightto ten-inch tall step or riser. Step the right foot up onto the stair and then lift your body up, balancing with the left leg off the step behind you. Next, step your left leg down first and continue down with the right. Try now on the other side, stepping your left foot onto the stair and lifting the right leg off the ground behind you. Repeat each side for about 10 repetitions.

• Hamstring Stretch: Hamstring

stretches reduce tightness in the back of legs, help with preventing joint pain and also reduce injuries.

Lie on the floor with both legs bent.

Lift one leg off of the floor and bring the knee toward your chest. Clasp your hands behind your thigh below your knee. Straighten your leg and then pull it gently toward your head, until you feel a stretch. If you have difficulty clasping your hands behind your leg, loop a towel around your thigh. Grasp the ends of the towel and pull your leg toward you. Hold this position for 30 to 60 seconds.

Repeat with the opposite leg.

Start slow and steady to engage in a safe and effective approach and over time as you get stronger, you can increase the duration and number of strength exercise repetitions. Ultimately, taking steps to improve overall fitness can provide joint protection and reduce irreversible long-term health risks.

With offices in Fort Myers, Cape Coral and Lehigh Acres, Athletic Orthopedic and Reconstructive Center (AORC) is devoted to providing the highest level of quality care and treatment of the musculoskeletal system, which includes the bones, joints, ligaments, muscles and nerves. AORC specializes in total joint replacement, fracture care, sports medicine, hand surgery, neurology, podiatry and general orthopedics. For more info, call 239-936-6778 or visit www.bone-fix.com.

a WORLD

CLASS

John Kagan, M.D.

Michael Jugan, D.O.

ATHLETIC ORTHOPEDIC

Pedro Monserrate, M.D.

Peter Curcione, D.O.

David Sudderth, M.D.

WALIMIRE

SUDDERTH

CURCIONE

MONSERRATE

KAGAN

JUGAN

ORTHOPEDIC ENTER C Peter Walimire, D.P.M.

RECONSTRUCTIVE CENTER

offers a full spectrum of sports medicine and reconstructive orthopedic care including the surgical and non-surgical treatment of sports and work-related injuries and orthopedic conditions caused by age, heredity and disease.

AND

Our team includes board certified orthopedic surgeons, as well as specialists in neurology and podiatry, and focuses on the following: • • • •

Arthritis Care and Surgery Arthroscopy Carpal Tunnel Syndrome Fracture Care

• • •

Hip, Knee, Shoulder, Hand, Foot and Ankle Pain Joint Replacement Surgery Neck and Back Pain

• • • •

Neurology Podiatry Spine Care Sports Injuries

Team physicians for the Everblades, Miracle baseball, Minnesota Twins and several local high school football teams.

For a consultation call one of our offices today.

www.bone-fix.com

3210 Cleveland Ave., Suite 100 Fort Myers, FL 33901

2721 Del Prado Blvd., Suite 260 Cape Coral, FL 33904

3400 Lee Blvd., Suite 105 Lehigh Acres, FL 33971

239-936-6778

239-574-0011

239-368-8277 Lifestyles After 50 • January 2014 • page 19

What’s Next? Exploring the Possibilities AFTER

T

he kids are gone, the money’s tended to, the job is on auto-pilot or a thing of the past: now what?

There comes a time when you can open up to the unknown, when you begin to separate the old story—what you’ve always done, who you’ve always been—from the new story of who you’d like to become. From “I can’t do that” and “Get real” you begin to say “Yes, I can.”

Here’s how. You let go and begin exploring. You let go of preconceptions and prescriptions without having to have a reason. Exploring is brainstorming with your life; it’s a conversation with a new set of possibilities, a new set of likes and dislikes.

You might begin like this. Go to a newsstand and read a handful

of magazines you’ve never read before and perhaps never appealed to you before. Find out what other people are thinking and doing. Or next time you’re on a drive, take a new side road. Maybe take up line dancing even though you’ve told yourself you can’t dance and that you hate country and western music.

You can’t discover something you already know everything about. The problem is, most of us don’t like

Please don’t forget.

This Christmas season please help poor and suffering souls in our community. Your gift today will let someone in desperate need know they haven’t been forgotten.

Remember to give.

YES, I want to help provide Christmas joy for needy people in our community: $20 to help feed a hungry person. $35 to help provide toys for needy children. $50 to help feed a hurting family. $_____ to help as much as possible.

Please send your tax-deductible gift to:

The Salvation Army 10291 McGregor Boulevard Fort Myers, FL 33919

NAME ADDRESS

239-278-1551 www.salvationarmyLeeCounty.org

CITY/STATE/ZIP

CLIP AND MAIL WITH YOUR GIFT TODAY Lifestyles After 50 • January 2014 • page 20

uncertainty; we’re uncomfortable with not knowing. So we shy away from danger and flinch in the face of risk.

We’re not comfortable remembering what it feels like to be incompetent as a learner. It will humble us to be a learner again. But we can do that, too, because we remember the actual journeys we’ve been on. We remember the moments of spontaneity and how those moments are what separate an adventure from just another trip.

So, life AFTER all the other stuff is a time for exploring rather than already knowing.

How do you do that? The formula is G + P + V.

G is for gifts, those

strengths that you’ve recognized in your lifetime.

Add to those P for passion. “What do I care about?” “What needs doing in the world, or my community?” Consider

putting your gifts to work in an area of need that you care about.

V stands for values—how

you see yourself operating in the world. What lifestyles and work styles fit your styles, your temperament, your values?

When these three are in alignment, you live your best life.

You’ll find you won’t be comparing yourself to the people around you or measuring your life by someone else’s. You won’t talk about retirement as a default destination.

Instead you’ll be making choices for a healthier and more fulfilling life—not of “having” but of “being.”

From “Life Reimagined: Discovering Your New Life Possibilities” by Richard J. Leider and Alan M. Webber

A No Brainer

BY MARK PILARSKI

D

ear Mark: Is there a casino game offered that has a very low house edge, but at the same time you don’t need the skills of a professional gambler to play the game? —Alex M.

as the counter, share those same high cards, and in essence, have the same odds for or against them? —Ken W.

Moving is the best medicine. Keeping active and losing weight are just You are right to a point, Ken, in that two of the ways that you can fight osteoarthritis pain. In fact, for the residual cards in every pound you lose, that’s four poundscomposition less pressureof onthe each any deck constantly changes and can knee. For information on managing pain, go to fightarthritispain.org.

The game that offers little use of any gray matter and a low house edge to boot is either baccarat, or for the low roller, mini-baccarat. No need, Alex, to let the mystique of the game intimidate you. With only two hands dealt regardless of how many players are sitting tableside, a player’s only decision is to wager on the bank or the player hand. As for rules, Alex, they are simple enough; the closest to nine wins. Adding a third card, dependent on the total of the first two cards, is done by the dealer based on predetermined rules. Just kick back and watch the dealer do his or her handy work. You will easily pick up the nuances of the game as you play.

Plan on being an expert in 30 minutes.

As to the quality of these two wagers, the house edge on the bank hand is 1.17 percent, and 1.36 percent on the player. There is but one other option, BANDIT and that— is betting that the two hands adopted 11-26-09The house edge on tie. Fugedaboutit! the tie wager is 14 percent, making it one of the worst bets in the house.

SHE SNORES MORE THAN I DO, BUT I STILL LOVE MY HUMAN.

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The difference between you and card counters is that they take advantage of that shift, and most likely you don’t.

Once the odds swing in counters’ favor in opportune situations, they bet more money while you sit tight and bet the table minimum.

Knowing when to bet more is the key here. While the Average Joe is faithfully betting the same amount hand after hand even when the chances of getting a blackjack are more likely, the card counter shifts his own odds by betting more. Likewise, when the quality of remaining cards are mediocre, card counters wager less, creating odds that, once again, are different from yours. (SENIOR WIRE)

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Lifestyles After 50 • January 2014 • page 21 12/4/13 10:10 AM

Meeting the World, One Amazing Adventure After Another

BY DON MANKIN

A

dventure isn’t just for the young.

Boomers and seniors, with time and money to spend and the unique perspective that only age and experience can provide, are now leading the way in exploring the world and seeking adventure. Come along on three of my favorites; then plan your own.

Travel Trekking Lodge to Lodge to Machu Picchu As I sat in the spa sipping a pisco sour, I looked down the valley to Mt. Salkantay, the huge, snowcovered monolith at the end.

I was in the Andes for the six day Mountain Lodges of Peru trek. At this altitude most every day is a challenge, but the big challenge was on the third day – a butt-searing, heart-pounding, lungscreaming five hour, 2500’ high altitude climb to Salkantay Pass at 15,213 feet.

I made it, as did everybody in our group, though a few rode horses over the pass. The downhill sections, on muddy, rocky trails, weren’t so easy either. But at the end of every day there were spas, pisco sours and cold beer, comfortable accommodations and

Lifestyles After 50 • January 2014 • page 22

excellent meals.

The hike ends, after a short train and bus ride, at Machu Picchu, one of the most impressive of the seven wonders of the world.

Besides Machu Picchu and the physical challenge of the hike, it’s the spectacular scenery that makes this trip so special. Huge domed massifs and sheer, jagged peaks loom over lush forests and broad valleys. The air is so clear you can almost make out every crease and crevice in the snow and ice that cover them. Clouds and mist settle over the mountains and hide them from view, then lift for a few minutes to reveal peaks turned gold in the sun.

Is it the most beautiful place in the world? It’s near the top of my list. Go visit and see for yourself.

Traveling by Train from Moscow to Beijing As I sat on the bed in our tiny compartment, I watched the Russian countryside roll past our window. My wife, Katherine, and I were on a private version of the Trans Siberian Railroad, on our way from Moscow to Beijing on a 16-day journey through history, a history with a cast of characters and enough blood and sex for an HBO series.

The trip was not just a ride through the past. The rich, complex past is shaping an even more complicated present and future. Trying to pin down what is happening in this rapidly changing region is like shooting at a moving target, a target marked by

...The lion stared at me, less than 10 yards away, then growled.

I cringed, realizing that with just a quick, short leap, he could pull me out of our open safari vehicle and drag me away...

surprises, ambiguity, contradictions and unlikely juxtapositions – e.g., classic cathedrals and statues of Karl Marx alongside hipster bars and high tech start-ups in Moscow; attractive, vital cities in the heart of Siberia; traffic jams and construction cranes in Ulan Bator, followed by an early morning concert of traditional music in the Gobi Desert; grand monuments and funky night markets with extraordinary street food in Beijing.

The train was intrinsic to the experience, pulling all of the destinations together into something more akin to a movie than a sequence of discreet photos. This gave me a much better feel for the region as a whole—its history, the interrelationships that shaped it, and the economic and cultural dynamism on display as we passed through.

If this sounds more like a graduate seminar than a trip, it is a graduate seminar fueled by vodka. Katherine summed it up best after a vodka tasting on the train as we rumbled through eastern Siberia: “When I drink a lot of vodka I achieve a level of clarity that does not correspond to reality.” Then she weaved her way down the corridor to our compartment for a nap before dinner.

Namibia—Raw and Wild The lion stared at me, less than 10 yards away, then growled. I cringed, realizing that with just a quick, short leap, he could pull me out of our open safari vehicle and drag me away.

This lion sighting was just one of several, albeit the most dramatic, of my recent three week trip to Namibia.

The highlight of those three weeks included five days in Etosha National Park, one of the largest game parks in Southern Africa, and a six-day fly-in safari to Damaraland in the northeastern corner of the country.

The wildlife in Etosha—elephants, lions, zebras, giraffes, rhinos, ostriches, jackels, hyenas, wildebeests, and several different kinds of antelope—can be seen in abundance around the many waterholes that dot the parched landscape.

Damaraland is more remote. It is drier and the wildlife is more dispersed. That was where I met the growling lion, on the last day of our safari. The next morning a couple who were staying in the same camp told me that they had heard a lion outside our tent in the middle of the night.

I wondered if he was looking for me…

Don’s trips were hosted by: Mountain Lodges of Peru, Lernidee Trains and Cruises, Namibia Wildlife Resorts and ATI Holidays (the fly-in safari).

Don is author of Riding the Hulahula to the Arctic Ocean: A Guide to 50 Extraordinary Adventures for the Seasoned Traveler (from National Geographic Press) which The Wall Street Journal called “one of the best travel books of 2008.” Don’s personal, psychologically-rich descriptions of exotic trips for baby boomers appear in the Huffington Post and elsewhere. Read more: adventuretransformations.com and adventuretransformations.com/wordpress.

Your Crystal Experience— Begin a New Story™

BY CONNIE MOODY, CTA, DS Senior Cruise Specialist

I

t is true that a cruise line exists that is perfect for singles and families as well as couples. That cruise line is Crystal Cruises, and the special programs the cruise line offers makes it an ideal choice for several types of travelers.

I have cruised several times on Crystal ships, the Symphony and the Serenity. My favorite aspects of cruising on Crystal are the entertainment and the spacious, beautifully decorated public rooms. Entertainment includes full scale lavish Broadway quality productions and outstanding piano playing singers in the Avenue Saloon. There is always a pianist or chamber ensemble in The Cove, the gathering area nearest to the dining room, playing prior to dinner.

Crystal’s theme cruises are part of the rich entertainment program. Enrichment lecturers have included Mary Matlin and James Carville. Other interesting theme cruises include Emerging Artists, performers from Carnegie Hall, Lincoln Center, Kennedy Center and Julliard who are up-and-coming artists in music, song, and dance. Another is new for 2014, Explorations in Elegance. In collaboration with esteemed auction houses such as Christies and Sotheby’s, masters of fashion, design and style share their knowledge of the finer things in life… rare jewels, artwork, renowned wines and extraordinary homes, enhancing guest appreciation of the luxury lifestyle. Of course Crystal has always offered Golf, Film & Theater, and Big Band cruises.

Crystal Cruises is especially attractive to Family and Friends groups due to the Crystal Family Memories program. You can take advantage of traveling with those you love most. For as few as six family and friends traveling together, Crystal provides exclusive rewards.

Receive a $200 per person shipboard credit, an 8” x 10” photo, the third person in the stateroom, 17 years old and under sails free, and for every 10 full-fare, full payment guests, receive

these benefits plus one free cruise-only berth—a substantial savings that can be passed on to all family members or individually to one cruise passenger. To further enhance this concept, Crystal provides a fully supervised Junior Activities program for cruisers between the ages of 3 and 17 on holiday voyages and nearly all summer sailings with dedicated play venues and amenities geared toward younger children and teens.

ALL-INCLUSIVE VALUE

Complimentary gratuities • Complimentary fine wines, champagne and premium spirits • All non-alcoholic beverages including bottled water and specialty coffee drinks • Dining in all restaurants, including one reservation in both specialty venues Prego, and Silk Road & The Sushi Bar by Nobu Matsuhisa • Golf lessons with PGA pros • Ambassador Hosts and much more!

PLUS Preferred Travel Exclusive Amenities: Choice of one Private Car and Driver or up to $600 Shipboard Credit* Crystal Cruises is an ideal cruise line for single travelers. For a limited time, Crystal is offering Special Solo Traveler Fares as low as 110 percent on select sailings. Whether reveling in the charms of Old-World New England, shopping the colorful and colossal “souk” in Marrakech, visiting majestic cathedrals in Rome or taking in the spectacular beauty of sunset atop Corcovado in Rio de Janiero, a world of discovery is yours to share with fellow likeminded solo travelers.

I have cruised as a solo traveler on Crystal and enjoyed sharing a large table with their Ambassador hosts.

With a myriad of choices from dining to entertainment and everything else in between, sailing solo on your own terms has never been better.

From Mozart Tea in the Palm Court to a pre-dinner cocktail in The Cove to an afternoon game of trivia in a beautifully appointed lounge, Crystal offers opportunities and venues for entertainment and fine dining for a myriad of cruise personalities and a combination of singles, families, friends traveling together, and couples enjoying time together. Please call 800-523-3716 for the new 20142015 Crystal Cruise Catalogue.

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Wilma Boyd - CEO Lifestyles After 50 • January 2014 • page 23

BY MARIA BENARDIS

D

id you know that the word diet derives from the ancient Greek “diaita” meaning “the way of life?” In Ancient Greece, a diet was about good health—not radical weight loss programs. As was inscribed on the Temple of Delphi; “Everything in moderation” and “nothing in excess.”

Recipe The Mediterranean diet is based on eating everything in moderation and to “let food be thy medicine and medicine thy food” —Hippocrates.

The Mediterranean diet is high in fruit and vegetables, legumes, unrefined cereals, dairy products (mainly goat’s and sheep’s cheese and yogurt) and olive oil.

Fish and poultry are consumed in low to moderate quantities and meat is eaten only occasionally. This diet focuses on a high healthy fat intake (olive oil, nuts and seeds) and a low intake of unhealthy fats (animal fats). Their intake of high energy food such as fruit and vegetables is greater than the intake of low energy foods such as meat, fish and poultry.

In addition to a healthy diet, it is important to follow the wisdom of Hippocrates the Father of Medicine and include some fermented foods or a probiotic for good gut health. Hippocrates believed that most disease began in the gut and in ancient times doctors prescribed sour milk, yogurt, apple cider vinegar and pickles for good digestion.

Another important eating practice for good health and longevity is to eat with peace, calm and joy.

= 4 Tbsp olive oil 2 leeks, white part only, thinly sliced 2 lbs carrots, peeled and chopped 3 stalks celery, thinly chopped 4 c vegetable or chicken stock 1 c flat-leaf parsley, plus 2 Tbsp for garnish 2 tsp chopped thyme leaves 1–2 tsp ground cumin Sea salt and cracked black pepper, to taste 6 Tbsp Greek-style yogurt for garnish (optional)

1. Heat the olive oil. Add leek, carrot and celery; cook uncovered 5–8 min. or until the vegetables start to soften.

2. Add stock and spices and mix well.

Cover and simmer 20–25 minutes or until the carrots are very tender.

Remove from heat; cool slightly.

3. Process vegetables in food processor or blender and until smooth. Heat through and serve with yogurt and parsley garnish.

Recipe from “Cooking & Eating Wisdom for Better Health.” ©2012 Maria Benardis.

Exercise: To Gym or Not to Gym F

or some people, exercise isn’t really exercise unless it takes place in a gym. For others, the very idea of hanging out with “gym rats” is aversive. Putting aside one’s stereotypes and traumatic teenage years, there are pros and cons to both approaches.

Health The advantages of gyms

• Structure. Gyms have the equipment that will help you meet your goals.

Machines are calibrated to guide you through specific, planned increases in difficulty levels, allowing you to track your progress more effectively. Routines and classes are designed to work specific muscle groups, in sequences that optimize results. We’re less likely to slack off or skip steps if there’s clear path to follow.

• Commitment. For some, the idea of not wasting money is very motivating. Given the substantial Lifestyles After 50 • January 2014 • page 24

costs of a membership, the idea that you’ll “lose your money” if you don’t use the service can be compelling.

• Guidance and support. Most gyms have instructors who offer suggestions and advice (though there may be an additional fee for this). Instructors’ input can help prevent injuries and may be motivating.

The advantages of exercising on your own

• Privacy. Many of us aren’t enthusiastic about being seen in workout togs, and exercise isn’t always pretty. If the path to health and beauty passes through a sweaty, jiggly dance routine involving sweats and an old, ripped tee shirt, you might prefer to keep that image to yourself.

• No (or low) cost. Gym membership isn’t cheap – and don’t be fooled by introductory rates, which can escalate considerably after the first few months.

Studies show that nearly half to 80 percent of those who join gyms stop going within a year (New Year’s resolutions

notwithstanding). Exercising on your own is virtually free. Check out American Senior Fitness Association website at seniorfitness.net.

• Time and place your choice. To the degree that your exercise routines are “portable,” you’ll be more likely to stay with them, which is important if you travel frequently. If you opt for a gym, you are constrained by location and hours plus the travel time.

So, which will it be?

From “How to Age in Place,”

by Languirand and Bornstein.

If you join a gym, think about these • Do some recon. Google the club’s name with “complaint” after it.

If a list of grievances pops up as long as your leg, you might want to think twice about joining.

• Beware contracts. If you do join, get a non-commit plan. You can always upgrade later. Also, know your cancellation rights. Get a copy of your contract, and read it!

• Insure yourself. Many health insurance companies will reimburse you for part of your gym dues or allow the classes at their expense. They want you exercising; it saves them money.

• Haggle for personal training. Try negotiating for some free training before signing. Just be sure to tell the trainer you can’t afford more sessions.

• Locker blocker. Gyms are often targeted by thieves. Leave valuables at home and pick a locker near the entrance. Thieves often work in pairs, with one standing guard while the other breaks into lockers around the corner.

To learn more, read Max Hawthorne’s book Memoirs of a Gym Rat.

The Best of Charlotte County

January 2014

E

arly Jan. Post-Holiday Weight Loss Challenge.

12-week program, prizes.

Register at the Cultural Center Fitness Salon.

11

The Best of Burlesque. Singers, dancers, comedians and showgirls. 7 pm. $18.

19

Rat Pack Together Again. Song, comedy and sketches from tribute artists. 7 pm. $25.

F

eb. 2 Day Trip: Mt. Dora Art Festival. $59. Register: 941-625-4175 ext. 204.

All events at Cultural Center of Charlotte County, 2280 Aaron Street, Port Charlotte. Tickets, times and info: 941-625-4175.

FEATURED EVENTS • All Aboard Travel Expo, Jan. 6, 7: Learn about different destinations, get your travel questions answered or book your next vacation. Free. 10 am at Charlotte Harbor Event & Conference Center, 75 Taylor St., Punta Gorda. 239-274-9999.

• New Year, New You, Thank You! Health & Wellness Expo, Jan. 18. 10 am to 6 pm at Fishermen’s Village, 1200 W Retta Esplanade #57A, Punta Gorda .941-639-8721.

• 6th annual Salvation Army Fund Replenisment Benefit Car Show. Jan. 11. 10 am to 1 pm. Open to all. $10 entry.

Awards, live music, food and drink. Muscle Car City Museum, 3811 Tamiami Trail, Punta Gorda. Don Royston: 941-626-4452.

• Lifestyles After 50 Fun Fest: Feb. 4. Live entertainment, Sports Area, Free Bingo, Free Health Screenings and a Prize-A-Palooza with chances to win $100 throughout the day. 10 am – 3 pm, Renaissance on 9th, Bradenton.

Info: 941-749--670-0100.

10

• R.S.V.P. (Retired & Senior Volunteer Program): 941-613-2299.

• Meals on Wheels/Friendship Cafe Dining Sites: 941-255-0723.

• Elder Helpline of Southwest Florida: 1-800-398-4233.

13

Senior Centers and Resources

Open Mic Night, 6:30 – 8:30 pm, Center Stage. Come read, sing, listen and enjoy!

More info: 941-637-3514.

J

an 31 – Feb. 9 The Charlotte County Fair returns for more than a week of your favorite fair rides, food, music, livestock and agricultural displays and contests. The fairgrounds are located at 233 El Jobean Rd., Port Charlotte. Admission is $7, $5 students, under 5 free. For more information about entertainment, event times and more, visit their website at www. thecharlottecountyfair. com or call 941-629-4252

Join Us For Our Feb. 2014 Edition!

Helping Hands National Slide Guitar Champion, Kraig Kenning, 5 – 9 pm, Center Stage.

The Fair Is Back In Town!

• Senior Friendship Centers: 941-255-0723 or friendshipcenters.org.

• Senior Choices of Southwest Florida: 1-866-413-5337 or srchoices.org.

• O.C.E.A.N. (Our Charlotte Elder Affairs Network): 941-235-4500 or ocean-fl.org.

20

Four Leaf Strummers Banjo Group 11:30 am – 1 pm, Center Stage.

25

Enjoy listening and dancing to the music of The Doo Wop Crew, 5 – 9 pm, Center Stage.

Fishermen’s Village is on the waterfront in Punta Gorda. Call 941-639-8721 for details.

Charlotte County!

Call for Special Rates and Marketing Packages for the Best of Charlotte County!

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Lifestyles After 50 Is Your Connection To The Seniors Of Charlotte County Lifestyles After 50 • January 2014 • page 25

A Bit Of Humor to Start the New Year

Last Month’s Answers

December Sudoku Margaret Czomba is last month’s winner!

Congratulations!

Win Great Prizes!

New winner selected each month

Good Luck!

Jan. Sudoku

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

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Sudoku muST bE REcEIvEd by JAN. 21, 2014

Word Search

A New Year Prayer For the Elderly God, grant me the senility to forget the people I never liked anyway, The good fortune to run into the ones that I do, And the eyesight to tell the difference.

Humor New Year’s Day Prayer for One and All

Dear Lord, So far this year I’ve done well. I haven’t gossiped, I haven’t lost my temper, I haven’t been greedy, grumpy, nasty, selfish or overindulgent. I’m very thankful for that. But in a few minutes, Lord, I’m going to get out of bed, and from then on I’m probably going to need a lot more help. Amen.

Dieting – New Year Resolutions 2010: I will get my weight down below 180 pounds.

2011: I will follow my new diet religiously until I get below 200 pounds.

2012: I will develop a realistic attitude about my weight.

2013: I will work out three days a week.

2014: I will try to drive past a gym at least once a week.

Word Search January

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 December

Jacque Ware is last month’s winner!

Congratulations!

Lifestyles After 50 • January 2014 • page 26

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 January 21 will win.

Mystery Prize!

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Mystery Prize!

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A Year of Happiness A

uthor Henry S. Miller focuses on 12 strategies that the science of happiness and well being has proven can increase your feelings of happiness and satisfaction in his book “The Serious Pursuit of Happiness.” Month by month you can amp up the amount of happiness in your life by intentionally focusing on 12 strategies. Here you go:

January: A Month of Hope and Plans This year, write one positive goal you have for the coming year down on your calendar each morning of each day of January. Also write your plan to make it a reality. Then, resolve to live a happier life by implementing these 12 happiness strategies—one each month.

February: A Month of Gratitude Gratitude is the antidote to greed, envy and jealously. This month, each night before going to bed, take a daily gratitude inventory. Write down three things you are grateful for about your life.

March: A Month of Kindness Plato said, “Be kind, for everyone you meet is fighting a hard battle.” This month, find one opportunity each and every day to perform some kind act for someone else and enjoy the feeling.

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April: A Month of Optimism Be conscious of your negative thoughts and “dispute” them by intentionally replacing the negative thought with a positive one.

May: A Month of Friendship Close relationships are one of the longest-lasting of happiness-increasing strategies. At least one time per week, reach out to a friend and arrange to spend time with them.

June: A Month of Love Each day this month, call, write or email someone you love or care deeply about—one per day—and tell them how much they mean to you—and how happy you are that they are a part of your life—even if you haven’t been the best communicator up to now.

July: A Month of Spirituality Make a conscious effort to spend some moments each day—perhaps

Lifestyles After 50 • January 2014 • page 28

during lunch—repeating to yourself at least one “prayer” or belief you hold.

August: A Month of Health, Fitness, Skill Begin a daily fitness regimen. Make a list of your top skills, talents and abilities and begin using them to their fullest.

September: A Month of Contribution What are you contributing to making the planet a better place? Decide on a plan of action—and begin!

October: A Month of Savoring Consciously focus your attention exclusively on something of beauty outside—changing leaves, trees, clouds, sky each day.

November: A Month of Forgiveness Examine your life and see if there are any lingering resentments you are holding on to that are holding you back from joy. Write the apology letter you would have liked to have received from the person who has wronged you. Then rise above your desire for revenge, and write your letter of forgiveness to them. No need to mail it; writing a forgiveness letter can often grant you freedom from your negative thoughts and give you increased happiness.

December: A Month of Generosity Each day find one way to donate your time, your money if you can, your skills, your positive energy, your attention—to others to help make their life a little better.

For the best results, remind yourself of each month’s happiness strategy by adding these topics to your calendar—every day of each month. Then, each day of the year, find creative ways to act on these strategies—and enjoy your reactions and your increased feelings of happiness.

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HEEEERE’S JoHnny!

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• Three Decades of Timeless Entertainment • The Final Two Episodes • Hilarious Stand-Up Comedy • Animal Hijinks • PBS American Masters Special Lifestyles After 50 • January 2014 • page 29

Go Ahead! Give Disc

a Whirl!

BY JANICE DOYLE

A

drive, followed by an upshot and a putt to score a par 3. Sounds like golf, and it is.

Just a different kind of golf.

It’s early morning on rolling Florida hills where large old oaks form canopies overhead. Twenty miles away a course is flat and green.

Colored discs fly through the air on what seems a mini-airplane flight, soaring from the thrower’s hand to a landing, close to the disc golf basket.

This is disc golf. A well-thrown disc golf drive is very much like a well-hit golf drive—feeling that sense of power, mastery, awe and accomplishment.

Starting from the toes, upward through the body, and out through the fingertips, a player transfers body weight from back to front. The disc is released and the player watches it fly.

Today, wellness and prevention is a high priority in health care management. Disc golf is one way to fitness for seniors because it’s inexpensive and great exercise.

What is Disc Golf?

The object of the game is to traverse a course from beginning to end in the smallest number of throws of the disc.

According the Professional Disc Golf Association, disc golf began in the 70s and is played much like traditional golf. Instead of a ball and clubs, however, players use a flying disc, or Frisbee®, and the full body in motion. Aerodynamically, the disc is similar to the wing on a plane except for one thing: the disc is spinning!

Physically, for each shot a player is trying to get legs, hips, shoulders, arm, Lifestyles After 50 • January 2014 • page 30

Golf

without being overly strenuous.

And you get to see park areas in a new way when you play.”

The cost is much lower than traditional golf.

“Some facilities have equipment available for free.

Some courses charge for play and some don’t.

Whatever it is, it’s a much lower cost than regular golf.”

Jerry Smith is a long-time player and comments, “It’s a good way to meet new people and beat those you already know at a great sport.”

If you’ve played Frisbee catch, you aren’t necessarily going to be good at disc golf. Zanselow says, “It’s a different throwing motion than just playing catch with a Frisbee.”

Reasons it’s a great sport wrist and hand all coming through at the right times. Let’s see. That would mean practicing enough to have “muscle memory” just like any other repeated activity. You can do that!

On the course, there’s a tee area and as a player progresses down the fairway, he or she must make each consecutive shot from the spot where the previous throw has landed.

Trees, shrubs and terrain changes provide challenging obstacles for the golfer. Finally, the “putt” lands in the basket and the hole is complete.

A perfect senior sport

Scott Zanselow, who plays Bay Oaks course in North Ft. Myers, says disc golf is a great sport for seniors because it “gets a person out and active

• Proper form can be learned on videos and through practice.

• You can start playing disc golf with as little equipment as one $8 disc.

• There are usually no greens fees or very low ones. No golf cart to rent or clubhouse membership to pay for.

• Disc golf provides upper and lower body conditioning, aerobic exercise and promotes a combination of physical and mental abilities that allow very little risk of physical injury.

• Concentration skills increase by mastering shots and negotiating obstacles.

• The combination of throwing the disc and walking equals about 920 calories burned during a two-hour round of disc golf.

• It’s a great multi-generational sport—practice a while and then challenge that teenaged grandson!

• If you travel, you get to play on spectacular courses in places such as the Black Hills of South Dakota.

• Both men and women can play and there’s not much fuss about it.

• Players of limited fitness levels can start slowly and gradually increase their level of play as fitness improves.

• There are no concerns with the formality of tee off times and score cards.

The best thing about disc golf is the ease of participation.

Get out there and play on one of these courses:

• Players can develop skills at their own pace.

• It’s challenging.

Most courses are planned with obstacles.

• The sport makes for good stories. Players can reminisce about the flight of a perfectly thrown disc or the clink of the chains when the disc comes to rest in the inside of the basket.

Estero DGC, Estero Palm Springs Park, Naples Gulf Coast University, Fort Myers N. Ft. Myers Community Park, North Ft. Myers Bay Oaks DGC, Fort Myers Beach Bonita Springs Rec Center, Bonita Springs

For more information, visit their website at pdga.com.

&

Mr. Modem

by Richard Sherman Is there a way to create custom folder icons or pictures associated with folders? I don’t necessarily like the ones that appear by default and wondered if I could change them?

Right-click a folder that displays an icon you find repulsive and choose Properties > Customize tab. Under Folder Pictures, select Choose File or Choose Pictures, depending on the version of Windows.

Browse to a location on your hard drive that has a picture or icon (.ICO file) you want to use, click to select it and choose Open, followed

by OK. Presto! Your folder will display your selected picture and life, as you know it, can continue.

How to Change or MOMENTS Customize Folder Icons LIKE Your THESE ARE PRECIOUS. I forgot my WiFi network password and I’m in a panic.

Is there any way to recover it? I’m using Windows 7 and I’m afraid if I shut down that I won’t be able to get back online. Help!

If you are still able to use your WiFi, you can view your saved password by clicking the wireless connection icon on the Taskbar, right-clicking the network you are connected to, then click Properties.

On the Security tab, one field will display the Network Security Key as a series of dots or asterisks.

Below that will be a little check box to “Show Characters,” which will then display the Network Security Key and your saved password.

If you cannot access it in this manner, most routers have a Reset button on the bottom or back of the router which will reset it to factory settings.

You would then need to follow your router’s setup instructions from the

Remembering the Holocaust 70 Years Later

I

n We Got the Water: Tracing My Family’s Path Through Auschwitz, author and social psychologist Dr. Jill Gabrielle Klein recounts the harrowing true story of the Klein family: Herman and Bertha, and their three children, Lilly, Oli and sixteen-year-old Gabi.

Gabi, now known as Gene Klein, is the author’s father and a Holocaust survivor.

“It is not easy to think of your father being beaten or starved or made to work as a slave,” Dr. Klein says. “But I needed to document his story, and his family’s story, so there would be a permanent record of what happened. We Got the Water is that extraordinary account.”

In 1944, along with more than 400,000 other Hungarian Jews, the Kleins were forced from their homes, rounded up and sent to live in a

ghetto, and later sent to Auschwitz.

They were aboard one of the very first trains of this mass deportation.

Gabi’s father, Herman, was killed in a Nazi gas chamber when they arrived.

We Got the Water follows the rest of the family through Auschwitz and into slave labor camps in Poland and Germany. Both Lilly and Oli managed to keep diaries while they were imprisoned. These documents paint a vivid picture of the horrors and suffering—as well as the small kindnesses and camaraderie—that defined life in the camps. (Lilly’s diaries are now on display at the United States Holocaust Memorial Museum.) Remarkably, four out of five members of Gabi’s family —Gabi, his two sisters, and their mother—survived the Holocaust and were reunited at the end of the war.

manufacturer (which will either be in shred it. Most free shredder programs, the printed material that came with such as Eraser (http://sourceforge. your router, on the accompanying net/projects/eraser), will make one CD, or on the manufacturer’s writing ones and zeros over Age-related macular degeneration pass, (AMD) website) to configure the router as the information.

Industrial-strength, is the leading cause of blindness in people 55 if and it were brand and assign it affecting professional, no-fooling-around older.

It isnew, a chronic disease a new password in the process. shredder programs will make one pass more than 10 million Americans, and early detection is key to saving your sight. writing ones and zeros, then additional Other than for security purposes, passes writing different characters Protect vision fading does your shredding filesfrom reclaim hardaway. in order to obfuscate (wow!) previCall the Foundation Fighting Blindness drive space? If so, how does that work? ously written information. today for a free info packet about Government-level file-shredding preventing and managing AMD. When you delete a file from your standards generally mandate eight Recycle Bin, the file is still (8) passes over file data to be there and can be recovered. certain it is not recoverable.

For answers to your questions When you shred a file, the computer A Curethe Is saved In Sight overwrites information with by e-mail, or to subscribe to Mr. Modem’s award-winning weekly random data. Although the file is still 800-610-4558 newsletter, visit www.MrModem.com. physically present, and still taking FightBlindness.org up the same amount of space, the Mr. Modem’s Don’t Miss information contained in the file is Site of the Month obliterated and cannot be recovered.

The primary reason for shredding is www.asknumbers.com: Ask Numbers – Measurement conversion charts and security. If you delete something and converters for metric, Imperial and U.S. you don’t want anyone to ever be able systems for quick, easy reference. to access it again (think subpoena),

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Lifestyles After 50 • January 2014 • page 31

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.

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well-traveled, ISO educated, honest and kind gentleman 62 – 70 with similar interests and fondness for music and traveling for LTR. Clearwater.

4343 fun, slender, attractive, educated Sincere, kind, youthful in mid 60s, childless, well-traveled, love to dance, workout, gardening. ISO Christian, professional gentleman, 55 – 65 YO, 6’ HWP, WW or D, Caucasian or Hispanic with SOH, SD ok, NDrg, strictly NS, honest, active, healthy; for FF, mutual TLC. New Port Richey.

Men seeKinG WOMen 4317 lOOKinG fOr hiKinG partner Casual NS, SD who enjoys traveling, stopping for lunch.

Seeking white lady, NS, clean, attractive. She has to be honest in what she says! Please send up to date picture, phone number. I will answer all replies. Ft. Myers.

4340 appreciate, f, free, self, conscious, bliss, being, non state,

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Lifestyles After 50 • January 2014 • page 32

NS. WM 65, youthful, 6” 165 lbs., long brown hair, short beard. Organic gardener, canoeist, bicyclist, movies, art, music, yoga, swim, friend, partner, abide synchronicity.

Meet Other seniOrs Over 3,000 seniors have met through seniors Getting together. send in your ad today! 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.

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. 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 P.O. Box 638,Seffner, FL 33584

Lee County Community Band in Concert

T

he Lee County Community Band will begin the new year with a concert on January 12 featuring the Sound of Music, Gershwin Classics, Leroy Anderson’s The Typewriter, and the famous Radetzky March. The concert will take place at 3 pm at Cape Coral High School, 2300 Santa Barbara Blvd., just north of Veterans Parkway.

Additional Lee County Band concerts are set for Feb. 9, March 9, and April 6. They are free (donations accepted)

and open to the public; all will be at 3 pm at Cape Coral High School.

The 60-member band rehearses Thurs. from 7 to 9 pm at St. Michael Lutheran School, Ft. Myers. Members are musicians from all walks of life—career musicians, amateurs, and folks renewing skills from years past—who reside in Lee, Collier, and Charlotte Counties. They welcome new members every year.

For more info, visit leecountyband.org or phone 239-995-2097.

E-books and Audio Books D

id you know the library has e-books for borrowing and downloading? The Lee County Library System offers more than 130,000 e-books and 22,000 downloadable audiobooks for a wide selection of devices including, Kindles, Nooks, iPads, smart phones and mp3 players via the library’s website.

Library card holders with a password or PIN can check out and download digital titles anytime, anywhere by visiting leelibrary. net/online and searching the catalog by type of material for e-book or audiobook.

You may need to download a free app to view the item on your device.

Assistance is available online.

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Lifestyles After 50 • January 2014 • page 33

50s, 60s, 70s HITS PLUS!

Men and Their Pants

D

o women actually judge you on a first date based on the pants that you wear to the bar or the restaurant?

Some interesting findings on men and their “first date pants” include:

• If you want to seem like a wild, adventurous, offbeat or creative date, wear colorful pants like dark red or bright blue—but you also run the risk of being seen like just a hookup.

• If you want women to think you’re rich, responsible and a perfect long term partner, wear khaki colored pants.

• Wearing green pants will communicate that you’re a world traveler—but that you also may live with your parents.

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• If you want ladies to think you like the finer things in life, wear dark but still colorful pants—such as dark purple.

We have not finished our move from Florida yet!

J

ohn, Joyce, Jack and Rachel made New Year’s resolutions.

From the facts below, determine who made what resolution.

• Another person said she will lose weight.

• Jack & Rachel’s 8th grade teacher is a blonde.

New Doc Martin, Series 6 Coming

1/19/14 - BRADENTON - 2 shows 2:00 & 4:00 2/8/2014 - Lakeland - 2 shows 4:00 & 6:00 2/15/14 - BRADENTON - 2 shows 4:00 & 6:00 Evening shows over 2 hrs - Matinee 88 min.

Lifestyles After 50 • January 2014 • page 34

Info from The EveryDay Chino Pants

by Barley & Britches: $38, five colors.

Resolution Resolving

• One person will buy a new car.

12/14/13 FL - 3auditorium shows 3, 5, 7:00 College of FL Bradenton- Inverness shows - NEEL - State

Editor’s note: We have no way of proving this, but it was too good to resist sharing. Men, now you know!

O

ne of the biggest success stories on public television is the Doc Martin series. Now Doc Martin, Series 6 is available on DVD from Acorn ($39.99) featuring the quirky Martin Clunes as the surly, self-centered Dr. Martin Ellingham.

Series 6 will begin airing on American public television in Feb. 2014.

• One of the four will get a job as an insurance salesman.

• Someone will learn to use a computer Answers: Jack: learn to use a computer Rachel: lose weight Joyce: buy a new car John: be an insurance salesman

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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 high-speed Internet connection. Then you’ll see the screen – it’s now 22 inches. 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 Email 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?

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Lifestyles After 50 • January 2014 • page 35

The Florida State Fair—As American as It Gets!

S

tate fairs are as much a symbol of America as apple pie. Get ready to show off your skills in a contest or see what others have made, baked or grown.

The Florida State Fair returns to the Fairgrounds in Tampa February 6 – 17, 2014! Seniors, take note and buy your tickets early to save money.

Think About Saving Money!

Senior Days – February 10, 11, 12, 13, offering special senior seminars.

Here’s the deal: Purchase your Senior Ticket at Walgreens from January 2 through February 5 for just $7. These tickets are only good on senior days (Feb. 10 – 13). If you buy at the gate on those days, tickets are $9.

Regular Adult Tickets purchased at Walgreens those same dates are $9 while tickets at the gates will be Mon. – Fri. $11 and Sat. – Sun. $13.

Taking the kids? Children’s tickets purchased early at Walgreens, ages

I

t’s time to eat wonderfully wacky, wild, and irresistible fare. Here’s to eating your way through the Florida State Fair, Feb. 6 – 17! These are just some of the tasty treats you’ll find: Twister Dog – In one incarnation, the Tornado Dog or Twister Dog is a hot dog wrapped in tornado potatoes (spiral cut potatoes) and deep fried to perfection.

Ramen Noodle Burger – This burger on a Ramen Noodle bun will taste wonderful as the juices from the patty soak into the ramen noodles and it resembles a ramen soup.

Lifestyles After 50 • January 2014 • page 36

6 – 11 are $5 – good for one day only. Children, ages 6 – 11 tickets purchased at the gate during the Fair – Mon. – Fri. $6 – Sat. – Sun. $7. Children 5 and under are free.

Check Online For The Country Gold Lineup!

You’ll find hundreds of things to do and see free at the State Fair.

And, there’s free parking with the cost of Fair admission.

Competitions You Might Enter

Feb. 12, with shows at 12 and 4 pm.

Now, Think FREE!

On Heroes Day – February 6 – all active, reserve or retired military veterans, law enforcement, firemen and first responders are admitted free with valid identification.

Taste of the Fair – February 10, Fair visitors can enjoy small samples of Fair foods from participating vendors.

Also new this year will be Curried Goat with Dumplings and Curried Crab with Dumplings.

If you’re trying to stay healthy, the Pickle Barrel Sirloin Tips vendor will be offering a new veggie wrap.

For true State Fair fun, you’ll want to mix up some flavors, so head for funnel cakes. This year’s blow-out taste treat will be Maple Bacon Funnel Cakes.

What a combination of goodness!

Free Concerts

Feb. 6, America 7 pm Feb. 13, Sister Hazel 7 pm Feb. 17, Uncle Kracker 7 pm

NOCKAIR F.M.X. Extreme Motor Cross Show by Nock Entertainment Group (free).

Hanging around year after year, look for some of these:

Deep-fried Oreos – You’ll probably be handed four breaded and fried Oreos topped with a healthy dusting of powdered sugar.

Beware! It’s a warm, soft, chewy, melty texture. (I read that some summer state fairs upped the ante for fried Oreos and used red velvet coating and topped it with cream cheese icing.)

Cheeseburger With Deep-Fried Ice Cream – One Fairgoer rationalized the appeal of a cheeseburger topped with deep-fried ice cream by describing the salty-sweet hybrid as a “milkshake burger.”

What can you take to the Fair? Get online and plan entries in whatever you’re good at. Think about Baking, Horticulture, Woodcarving, Fine Handcrafted Furniture, Fine Art, Photography, Wine Competition and more.

Volunteers At The Fair

A good way to be at the Fair is to become a volunteer. From greeter to paperwork, from Cracker Country to the Ag Barn, volunteers are important. To learn about the opportunities and benefits online, go to floridastatefair.com/volunteer.

More info at floridastatefair.com or call 800-345-FAIR(3247)..

Krispy Kreme Hamburgers – The doughnut burger features a quarter-pound burger, bacon, cheese and two glazed Krispy Kreme doughnuts in place of a single bun.

The monstrosity contains nearly 1,100 calories and 67 grams of fat.

Chocolate-Covered Bacon on a Stick – Known as “a muddy pig,” chocolate-covered bacon on a stick isn’t new to fairgrounds, but the most recent additions to the saltysweet construction is to gild it with a candied cherry.

Deep-fried Peanut Butter and Jelly – Clog your arteries with warm jelly and gooey peanut butter in an outside that’s so like a doughnut it must be one.

For Fair tickets or info, visitfloridastatefair.com or call 800-345-FAIR(3247).

DISCOVER THE PAST. DISCOVER THE FUTURE. DISCOVER THE FUN!

.Senior Discount Days Feb. 10 9am-9pm Feb. 11, 12 & 13 10am-9pm

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Lifestyles After 50 • January 2014 • page 37

Listen To Advice From the Pros

S

ometimes good advice comes in a very blunt manner. In November, author, poet and Civil Rights activist Dr. Maya Angelou told a packed auditorium at Wake Forest University that the best way to understand others is to “keep your mouth shut and listen.”

Dr. Johnnetta B. Cole, Director of the Smithsonian Institution’s National Museum of African Art, said the Golden Rule is a good place to start.

(The Golden Rule from Jesus’ teaching in Matthew 7:12 is “Do to others what you want them to do to you.”)

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Got a call from a gentleman in Naples with terminal disease. He requested a copy of the Checklist and then went on to profusely praise the entire publication, telling me how great and informative it is and what a great job I am doing. He wanted my assurances that he would continue to get it every month.

“In every one of the major religions or faith communities in the world, there is that idea. It must be because it’s so powerful,” Cole said, citing the examples from the Koran and Native American traditions. “It seems so simple—and it is. But when we treat others simply as we wish to be treated, it is the most revolutionary act a human being can commit.”

Maya Angelou is famous for saying, “I’ve learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel.”

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“Cell phones have gotten so small, I can barely dial mine” Not Jitterbug®, it features a larger keypad for easier dialing. It even has an oversized display so you can actually see it.

Monthly Minutes Monthly Rate

8888229251

“I had to get my son to program it” Your Jitterbug set-up process is simple. We’ll even pre-program it with your favorite numbers.

Basic 14

Basic 19

50

was 100 NOW 200

$14.99

$19.99

Operator Assistance

24/7

24/7

911 Access

FREE

FREE

No add’l charge

No add’l charge

FREE

FREE

YES

YES

30 days

30 days

Long Distance Calls Voice Dial Nationwide Coverage Friendly Return Policy1

Enough talk. Isn’t it time you found out more about the cell phone that’s changing all the rules? Call now, Jitterbug product experts are standing by.

Jitterbug Plus Cell Phone Call today to get your own Jitterbug Plus phone.

Please mention promotional code

More minute plans available. Ask your Jitterbug expert for details

“I tried my sister’s cell phone…

I couldn’t hear it” Jitterbug is designed with an improved speaker. There’s an adjustable volume control, and Jitterbug is hearing-aid compatible.

“I’d like a cell phone to use in an emergency, but I don’t want a high monthly bill” Jitterbug has a plan to fit your needs… and your budget.

“I don’t need stock quotes, Internet sites or games on my phone, I just want to talk with my family and friends” Life is complicated enough… Jitterbug is simple.

“My cell phone company wants to lock me in on a two-year contract!”

Not Jitterbug, there’s no contract to sign and no penalty if you discontinue your service.

“What if I don’t remember a number?”

Friendly, helpful Jitterbug operators are available 24 hours a day and will even greet you by name when you call.

“I’ll be paying for minutes I’ll never use!”

Not with Jitterbug, unused minutes carry over to the next month, there’s no roaming fee and no additional charge for long distance.

Lon Sou Bette ger nd r Ba and tte ry Life

51304.

1-888-822-9251 www.jitterbugdirect.com

We proudly accept the following credit cards.

47594

No act ntr o C

IMPORTANT CONSUMER INFORMATION: Jitterbug is owned by GreatCall, Inc. Your invoices will come from GreatCall. All rate plans and services require the purchase of a Jitterbug phone and a one-time set up fee of $35. Coverage and service is not available everywhere. Other charges and restrictions may apply.

Screen images simulated. There are no additional fees to call Jitterbug’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. Monthly minutes carry over and are available for 60 days. If you exceed the minute balance on your account, you will be billed at 35¢ for each minute used over the balance. Monthly rate plans do not include government taxes or assessment surcharges. Prices and fees subject to change. We will refund the full price of the GreatCall phone and the activation fee (or set-up fee) 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 be deducted from your refund for each minute over 30 minutes. You will be charged a $10 restocking fee. The shipping charges are not refundable. Jitterbug and GreatCall are registered trademarks of GreatCall, Inc. Samsung is a registered trademark of Samsung Electronics Co., Ltd. ©2013 Samsung Telecommunications America, LLC. ©2013 GreatCall, Inc. ©2013 by firstSTREET for Boomers and Beyond, Inc.

���� � � � � � � � � Insurance Discounts For Mature Drivers Available in Silver (shown) and Red.

Take Your Class Online!

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• Study at your leisure, 24 hours a day, 7 days a week.

• Simply read the course materials online and then answer a few quiz questions.

• There is no need to attend boring classes or listen to long lectures.

• After completion, of course we will issue a state-certified certificate for you to turn into your insurance company to receive your discount for a three year period.

Have a �Florida’s �� ������ ���������

Driver’s ����� ��������License ���� �������� and are 55 years �����of ���age �����or ���older? ������� Florida Department of Highway Safety & Motor Vehicle Approved Course

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.

To Register go to:

www.seniordriverclass.com

or call 1-800-771-2255 Lifestyles After 50 • January 2014 • page 39

Expires 1-31-2014.

Expires 1-31-2014.

Expires 1-31-2014.

Expires 1-31-2014.