Lifestyles After 50 Tampa Bay, Hillsborough, East Pasco Edition, January 2020 by Lifestyles After 50 Magazine

Tampa Bay ~ January 2020

Hillsborough, East pasco

Florida’s Most Read 50+ Publication Since 1989

FrEE

2 Lifest yles Fun Fes ts!

January Zephyrhil22, 9am to 1pm ls Moose Lodge Jannary2 • 3, 9am to 1p Lutz Senio r Center m

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Happy New Year!

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

save our seas Gulf Coast is named a “Hope Spot”

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Lifestyles After 50 • Tampa Bay • January 2020 • page 2

Getting A Dose of Iron

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

Happy New Year!

“

with more repetitions to build up my shoulder, neck and back muscles. My shoulder will be in great shape when the doctor saws it all apart. And that’s the point. According to my physician, strengthening the rotator cuff muscles through physical therapy before surgery can improve healing and shorten the recovery period. Maybe there is a teensyweensy chance I could have a lessinvasive arthroscopic procedure too. Research studies across the country have shown there are many other benefits to strength training, including improved brain health to stave off dementia, depression and anxiety. Working out can also help to lower your risk for Type 2 diabetes as well as the risk of developing metabolic syndrome (a cluster of conditions that increase the risk of heart disease, stroke and elevated blood sugar.) Other benefits of strength-training include better joint mobility and less arthritis pain; greater bone density and reduced risk for osteoporosis and related fractures. Add to that the benefits of weight loss, improved self-confidence, sleep and vitality. Adults who are in good physical shape are less likely to fall too. So with my need for surgery, comes a goodbye. I need to take a considerable amount of time off, so this will be my last editorial for Lifestyles After 50. I will miss my co-workers, writers and naturally, you our readers. It has been an honor and privilege (and much fun) to serve as editor of this publication. I wish you all the health, happiness, and prosperity in this new year!

Terri Bryce Reeves Terri Bryce Reeves, Editor

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

”

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

Tampa Bay Edition Published monthly by Lifestyles After 50 Volume 31, Issue 1

Publisher Debbie Hansen Debbie.Hansen@lifestylesafter50.com Editor Terri Bryce Reeves Terri.Reeves@lifestylesafter50.com Website Editor Allie Shaw Allie.Shaw@lifestylesafter50.com Distribution Nancy Spencer Nancy.Spencer@lifestylesafter50.com Questions/Customer Service 813-336-8247 Press Releases Editor@lifestylesafter50.com Advertising Sales Patricia Hincher: 813-580-1879 pat.hincher@lifestylesafter50.com Joe Gess: 813-817-9855 Joe.Gess@lifestylesafter50.com Sun City Sales Mervyn Hollander 330-720-6772 Mervyn.Hollander@lifestylesafter50.com Event Sales Beverly Hastings 813-336-8247 Beverly.Hastings@lifestylesafter50.com __________________________________

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Attention Readers: The articles printed in Lifestyles After 50 do not necessarily reflect the opinion of the Editor or the staff. Lifestyles After 50 endeavors to accept reliable advertising; however, we cannot be held responsible by the public for advertising claims. Lifestyles After 50 reserves the right to refuse or discontinue any advertisement. Our advertising deadline for each issue is the 15th of the previous month. Magazines are out by the 7th of each month. All rights reserved. As a reader of Lifestyles After 50, you are creating an established relationship with our advertisers. You may be contacted by email, telephone or mail as allowed by law.

Lifestyles After 50 • Tampa Bay • January 2020 • page 3

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

St. Pete Beach Craft Festival Jan 11 & 12 10 a.m. - 5 p.m. Free Admission

Place: St Pete Beach Corey Area Address: 595 Corey Ave. St. Pete Beach, 33706 Phone: 813-962-0388 Website: www.artsfestival.com

Event: Date: Time: Cost:

Senior Showcase Living Jan 14 10 a.m. - 2 p.m. FREE

Place: Kings Point Clubhouse Address: 1904 Clubhouse Dr. Sun City Center, 33573 Phone: 813-430-6838 Website: www.kingspointsuncitycenter.com/

Event: Date: Time: Cost:

Tampa Bay Black Heritage Music Fest 2020 Jan 18 & 19 12 - 9 p.m. $8 - $190

Place: Curtis Hixon Park Address: 601 North Ashley Dr., Tampa, 33602 Phone: 813-274-8615 Website: tampablackheritage.org Event: Date: Time: Cost:

Florida RV SuperShow Jan 15-19 9 a.m. and 6 p.m. $24

Place: Florida State Fairgrounds Address: 4800 US-301 Tampa, 33610 Phone: 800-345-3247 Website: www.frvta.org

Event: Date: Time: Cost:

MLK Jr Parade Jan 20 12 - 3 p.m. No Cost To Attend

Lifestyles After 50 Fun Fest Jan 23 9 a.m. - 1 p.m. FREE

Place: Cuscaden Park Address: 2900 N 15th St Tampa, 33605 Phone: 813-274-8615 Website: www.mlkjrparade.com/

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

Event: Fest Date: Time: Cost:

Event: Date: Time: Cost:

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

Date: Time: Cost:

Joyful Voices Senior Choir Rehearsals Jan 27 1:30 - 2:30 p.m. NO COST

Place: Clubhouse at The Bridges Address: 11202 Dewhurst Dr. Riverview, 33578 Phone: 813-413-8900 Website: bridgesretirement.com Event: Date: Time: Cost:

Gasparilla Pirate Fest Jan 25 & 26 9 a.m. - 9 p.m. No Cost To Attend

Place: Place: Moose Lodge #2276 Address: 3211 Gall Blvd. Zephyrhills, 33541 Phone: 813-336-8247 Website: lifestylesafter50.com

Event:

Curtis Hixon Waterfront Park Address: 600 N Ashley Dr. Tampa, 33602 Phone: 813-274-8615 Email: gasparillapiratefest.com/

Veterans Assistance Seminar Feb 4 11 a.m. - 12 p.m. FREE lunch provided

Place: The Bridges Address: 11202 Dewhurst Dr. Riverview, 33578 Phone: 813.413.8900 Website: bridgesretirement.com/

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

Adult In Home Assistance Seniors Helping Seniors

wwwseniorcareeastpasco.seniorshelpingseniors.com/

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

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

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

www.eckerd.edu/olli

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

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

Lifestyles After 50 • Tampa Bay • January 2020 • page 4

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

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

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

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

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

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

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

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

Add your business to our new web directory. Your company name and website link will be published in all editions of Lifestyles After 50 and on our website: lifestylesafter50.com contact your Account executive today at 813-336-8247

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Lifestyles After 50 • Tampa Bay • January 2020 • page 5

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

Photos by Kip Evans/Mission Blue

ur oceans are warming and sea levels are rising. Their waters are polluted with microplastics and becoming more acidic due to increasing CO2 levels. Coral reefs are dying, and many species of commercially exploited fish are in steep decline. Hundreds of coastal “dead zones” now exist. The underwater ecosystem is faltering, and ominously, that system provides more than half the oxygen we need to breathe. But there is reason for hope. The world’s foremost oceanographer, Dunedin resident Dr. Sylvia Earle, has spent her entire career looking out after the oceans, and at 84, she’s not about to stop.

,” Sometimes affectionally called “Her Deepness Dr. Sylvia Earle explores the oceans in the Deep See submarine. Dr. Sylvia Earle, 84, of Dunedin, is leading a worldwide effort to save the oceans through the organization she founded, Mission Blue. Here she surveys plastic pollution off of Cocos Island in the Pacific.

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

Instead she’s trotting the globe, igniting a worldwide effort to spare the fragile but vital ecosystems that live beneath the sea. “The ocean is dying. Many may not realize how much trouble we’re in,” she says. “Now, as never before, and maybe as never again, there is a chance to protect the natural systems that keep us alive. “If you like to breathe, you will care about the ocean.” As she explains, more than half the oxygen in the atmosphere is generated by microscopic marine life that takes up carbon dioxide and water and creates oxygen and sugar. “That, in turn, drives great ocean food webs and eventually the chemistry of the biosphere,” she says. In 2009, Earle founded the nonprofit

organization Mission Blue to shield the ocean from further destruction by designating a global network of Hope Spots. “Hope Spots are special places that are critical to the health of the ocean, Earth’s blue heart,” says Earle. Today there are 130 of these Hope Spots, and Earle and her organization are working urgently to add more. In August, most of Florida’s Gulf Coast—from Apalachicola Bay on Florida’s northwest coast to Ten Thousand Islands in southwest Florida—was the most recent region to be designated a Hope Spot by Mission Blue. The northern boundary of the Gulf Coast Hope Spot is home to oyster habitats that require protection and restoration. The southern part recently sustained significant damage from red tide and contaminated water that flowed from Lake Okeechobee. In this

Lifestyles After 50 • Tampa Bay • January 2020 • page 6

Hope Spot, dozens of organizations are working hard to preserve the ecosystem. The Gulf Coast’s participation as a new Hope Spot is a significant step toward Mission Blue’s goal of protecting 30% of our ocean water by 2030. Hope Spots are selected based on characteristics such as diversity of species, habitats, or ecosystems; populations of rare or endangered species; innate potential to have damages reversed or sites with economic importance to the community. “Hope Spots are about recognizing, empowering, and supporting individuals and communities around the world in their efforts to protect the ocean,” Earle says. *** An expert on ocean health, Earle is the master of her own. The octogenarian works about 300 days a year, giving

talks, leading expeditions, and influencing policymakers. And, she still manages to fit in plenty of dive time. Mother of three and grandmother to four grandsons, Earle reports there’s no real secret to her vitality, except as she puts it: “good genes and staying active. Dive! Dive! Dive!” All of her family members are passionate about the ocean. Earle says their favorite kinds of fish are “live fish of all kinds.” Raised in the central Gulf Coast town of Dunedin from age 12, Earle became enchanted with the underwater kingdom through her passion for beachcombing and diving. She has seen her playground transition from a place bursting with marshes, mangroves and sea life to one inhabited by marinas, industrial sites and housing developments. Having earned a Ph.D. in 1966 from Duke University in the field of Phycology (the study of algae), Earle has launched a myriad of marine environmental projects. She has served as the U.S. National Oceanic and Atmospheric Administration’s (NOAA’s) first female Chief Scientist, where she broke the story of the 90% extinction of bluefin tuna. Since 1998, she has been a National Geographic Explorer-in-Residence. From 1998-2002, she led the Sustainable Seas Expeditions, a five-year program sponsored by the National Geographic Society, to study the U.S. National Marine Sanctuary, a special zone where the environment enjoys special protection. Earle has authored over 150 publications. She concludes with a clarion call: “Ocean life drives the water cycle, climate, and weather; it stabilizes temperature, holds the planet steady. We must take care of the ocean as if our lives depend on it because they do.” For more information: read Blue Hope, a book by Dr. Sylvia A. Earle; see the critically acclaimed Netflix documentary, Mission Blue; or visit mission-blue.org. Contact Jan Larraine Cox at jlarraine@gmail.com.

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very home we’ve ever lived in eventually became a menagerie of dogs, cats, birds, hedgehogs and more. We even had two Peking ducks once. But there are never enough pets for my wife. The Joy of My Life now wants to get a sugar glider and a dragon lizard. I feel certain she’s searching online for a giraffe to rescue as well, but fortunately, our manufactured home did not come with cathedral ceilings. Now I hate to be the buzzkill when it comes to our furry, feathery or longnecked friends, but who inevitably gets strapped with the related duties? Who feeds and waters the little critters, empties the litter boxes, walks the dogs and scoops their waste into little plastic poo bags? If your household is like ours, it’s the husbands, while the wife-owners merely pet and stroke and speak baby talk to them. Recently Joy brought home a small cage. “What’s in that cage?” I asked with trepidation. “Robin (Joy’s sister) got it for me. It’s a canary,” she chirps. “What on earth do we need a canary for? We already have two smoke detectors!” I crow. “I’m keeping him. His name is Johnny!” she twitters.

“Good! Then this is one animal YOU are responsible for. I’m not feeding him; I’m not giving him water!” At that point, I fluff up my feathers, flashing prominent color patches on my crest to express my irritation. Last week, I heard a crash in another room. I rushed to the kitchen to confirm my worst fear. Our newest cat Jake had knocked the cage to the floor. The bird rode it down and was safe. I pieced the cage back together and swept up the seeds, which were scattered everywhere. Then I washed and filled the little food, water, and gravel dishes. Little did I know it was just a training run. Joy just had knee replacement surgery, and needless to say, I am taking care of Johnny in addition to all the other pets. Perfect timing on her part, I say. By the time she recovers fully, I will be firmly established as the caretaker of all the pets, including the canary. Now, whenever I enter the kitchen, I swear the cat taunts me by meowing, “Here’s Johnny!” He and the canary give each other a wink and a nod, then glare at me with their furry/feathery little faces as they wait for me to prepare their food.

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201-461-1980 Lifestyles After 50 • Tampa Bay • January 2020 • page 7

‘The Last Full Measure’ January Film By RANDAL C. HILL

n 1999, Todd Robinson, the director/ screenwriter of The Last Full Measure, learned the story of William H. Pitsenbarger, a U.S. Air Force Pararescueman who flew almost 300 rescue missions during the Vietnam War, saving the lives of over 60 men. Robinson had been visiting training schools for his movie research and one common thread emerged. “Nearly every place I went, the young trainees wanted to be sure that I knew the story of William Pitsenbarger,” Robinson explained to Air Force Magazine. Called “Pits” by his comrades, the 21-year-old medic was aboard one of

two helicopters summoned to evacuate wounded soldiers after they were ambushed in a Vietnam jungle in April 1966. When the last chopper was ready to lift off, the selfless Pits, already under heavy Viet Cong fire, volunteered to stay behind and tend to the wounded while holding off the advancing enemy. He was killed within 90 minutes. When Robinson later heard the airman’s father, William “Frank” Pitsenbarger, speak about his son’s legacy at a New Mexico airbase, “The whole thing jelled for me at that moment,” said Robinson. “That’s when I knew there was a story to tell.” Just as compelling as the hero’s account was what happened in the aftermath. When wives of the surviving soldiers learned that Pits had been given an Air Force Cross—the second-highest honor—for his ultimate sacrifice, they protested that it wasn’t good enough. Numerous veterans subsequently petitioned Congress to elevate Pits to the Medal of Honor, the nation’s highest

decoration. medal. Still, he charges ahead fearlessly Robinson and producer Sidney in pursuit of final justice for the heroic Sherman pitched the movie idea to over airman. On December 8, 2000, the medal 50 production companies, but nobody was awarded to Pitsenbarger—34 years showed interest. Still, Robinson had such after his death. faith in Pits’ story that he went ahead and The movie opens nationwide on wrote a script anyway. He then embarked January 17. on over a decade of armtwisting to line up funding. Finally, by 2017, things had fallen into place. Jeremy Irvine would portray Pits and lead the all-star cast. The Last Full Measure story unfolds through the perspective of Scott Huffman (Sebastian Stan), a young Pentagon official assigned to investigate the complicated case involving Pits and the prestigious Congressional Medal of Honor Award. Along the way, Huffman The Roadside Attractions movie boasts an impressive cast encounters a high-level of Jeremy Irvine, Samuel L. Jackson, Sebastian Stan, conspiracy behind the William Hurt, Ed Harris and John Savage. It also features decades-long denial of the Peter Fonda in his final film role.

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Lifestyles After 50 • Tampa Bay • January 2020 • page 8

Where in the World Have You Been?

ave you climbed a glacier, walked the Great Wall of China, visited Rome’s Coliseum, or ridden a camel through the Sahara Desert? Maybe you’ve braved a giant roller coaster at Busch Gardens or parasailed at the beach. Whatever destination you’ve checked off on your bucket list, we’d love to see your best photo and share it with our readers. Send your Bucket List Photo along with a 200-word summary of your trip to Terri.Reeves@LifestylesAfter50.com. Please ID persons in the picture (left to right) and include your name, city of residence and phone number. Photos will run on a space-available basis.

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Response: Absolutely. First of all, whether or not your Trust is revocable is not determined by what you decide to call your Trust but whether or not you, as Grantor of your Trust by language in your Trust, specifically reserve unto yourself the right to revoke your Trust. Second, assuming you die without having revoked your Trust, then your Trust automatically becomes irrevocable upon your death. Had your lawyer, through a lack of attention to detail, used the term “revocable” as part of the name of your Trust, your successor Trustee would be required thereafter and forever to refer to your Trust in all future matters involving your Trust as “The Irrevocable Jones Revocable Trust”. How ridiculous would that be? Mr. Mumbauer, a 5th generation Floridian, has maintained a law practice in Brandon, Florida since 1980 with emphasis on estate planning. Mr. Mumbauer takes special pride in representing the senior community by maintaining a sensitive and practical approach to problem solving. Mr. Mumbauer is a member of the National Academy of Elder Law Attorneys, the Elder Law Section of the Florida Bar. Mr. Mumbauer is also a Mentor in probate law and has been qualified by the Second District Court of Appeal in Florida as an expert witness in matters involving the drafting of Wills. Mr. Mumbauer’s Martindale-Hubbell Peer Review Rating among judges and lawyers for Legal Ability is High to Very High and his General Recommendation Rating is Very High. Must present coupon. Cannot be combined-one per visit. Must present coupon. Cannot be combined-one per visit.

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Boost Your Financial Health by Getting Your Checkup Now By DAVID NOVAK

s the calendar turns to a new year, it’s the ideal time to give your financial health an examination. Taking care of the little details now can save a lot of pain and heartache later—for you and your heirs. Review your beneficiaries This should not only include retirement accounts, such as IRAs, 401(k)s, 403(b) s, and other qualified plans, but also any taxable accounts that have a Transfer-onDeath feature. Also, make sure to examine not only the primary beneficiaries but also the contingent beneficiaries. Many beneficiary schedules also allow you to select per stirpes as an option—if you are not familiar with this, you should discuss with your investment advisor or estate planning attorney. Review your insurance coverage Some of us like to bundle as many different insurance coverages as we can together, while others like to spread our business out to different companies. Whatever your preference, make sure to shop the rates you’re paying on all your policies—auto, home, umbrella, etc. For various reasons—not the least of which was laziness—I would rarely shop my rates, but once I did, I was amazed at how much variation there was for essentially the same thing. Furthermore, are all the extras that are supposed to be giving you discounts (like the Big Brother device in my car monitoring my driving) actually helping you? Once I found out it wasn’t giving me anything, I couldn’t get rid of it fast enough. Review your distribution/contribution rate If you are still working, how much are you contributing

to your 401(k)? Most employers will offer to match contributions dollar-fordollar up to a certain amount, such as 3% of your income. Taking advantage of this matching amount is a no-brainer; it is equivalent to a 100% return on your investment. You’d be surprised how many people don’t take advantage of this “free” money. If you are retired, then you are likely in the distribution phase from your investment portfolio. Are you taking money out at a sustainable rate that will not deplete your investments? You may have been planning on living off the income generated by the portfolio, but the current low-interest-rate environment could have thrown a wrench into this strategy. Furthermore, when calculating the annual withdrawal rate, make sure to include not only the money that comes out regularly each month but also the lump sum distributions. When accounting for these “one-time” withdrawals, you may find out that your current distribution rate is unsustainable over the long term. Lifestyles After 50 • Tampa Bay • January 2020 • page 12

Review your asset allocation You have probably heard the advice to rebalance your portfolio regularly, but are you doing it? If so, how often? Studies have consistently shown that most investors, left to their own devices, neglect to properly rebalance their portfolio and, in fact, do the opposite—they will buy more of what has recently done well. The whole point of rebalancing is to “buy low and sell high,” a straightforward concept to grasp on paper, but very difficult to implement, especially in times of heightened market volatility. Furthermore, this should present an excellent opportunity also to evaluate the appropriateness of your long-term asset allocation target. Since the stock market has done so well these last few years, it’s been easy to rationalize that you need to have a portfolio weighted on the stocks’ side. Think about not only what your long-term asset allocation target is, but more importantly, what caused you to establish that target. Review your estate plan It’s essential to review what happens to your assets in the event of your death or incapacitation. Who is your primary and secondary durable power of attorney? Who is your primary and secondary health care surrogate? If you have multiple children, are they all aware of your overall plan? Do they all understand your desires in the event you become permanently incapacitated? The time to talk about all these things is now, in a very transparent way. I recently went through this exact situation with a parent’s sudden decline and the prospect that he could be in a vegetative state for the rest of his life. Fortunately, we had discussed this possibility and were able to act clearly in accordance with my father’s wishes. While we still had to go through a very painful experience, I took some solace that the entire family had proactively discussed this potential event. Just as you don’t want to neglect your physical health, it’s crucial to take care of your financial well-being too. It’s a good habit to get into and to keep; doing it regularly at the start of the year makes it easy to remember. Keep your eye on the news The SECURE Act was just signed into law. It makes significant changes to inherited retirement plans like 401(k)s and IRAs. Among the many changes, the new bill will generate more taxes for the government by requiring beneficiaries of these inherited accounts to withdraw all assets over a 10-year period, thus accelerating the depletion of these accounts. This could greatly affect your estate planning. David Novak, CFP® is a Certified Financial Planner™ at Novak & Powell Financial Services in Pinellas County. Please note: he is not an attorney and this article should not be construed as one offering legal advice. For information about investment decisions and financial planning, contact him at (727) 451-3440.

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he 2020 SuperShow will have representation from every major RV Manufacturer as well as hundreds of accessory booth exhibitors. “We will have more Supplier booths and every type, size and style of RV on the market,” detailed Marketing Director David Kelly. We’re also renewing the two-day pass so the public will have two full days to see everything at the SuperShow at no additional cost.” The interest in outdoor recreation is at an all-time high and the phrase relates to the fact that you can bring your hunting gear, fishing equipment, bikes and anything else you have room for. With hundreds of RVs on display and educational seminars, the SuperShow is the place to trade-in your old RV or obtain all the information you need to get acquainted with the RV Lifestyle. And some of Florida’s finest campgrounds and resorts will have booth exhibits to show attendees the best camping opportunities found anywhere and a huge display of camping accessories and

supplies at the Camping World Store and other booths. A favorite of all visitors to the SuperShow is the FREE entertainment. From clowns and unicycle riders to Barbershop Quartets and Bag Pipe Bands. Take advantage of the FREE shuttle service inside the SuperShow that will carry visitors from exhibit to exhibit. Seminars are presented throughout the day at the SuperShow. National RV Writer Bob Marx hosts two seminars daily. “RVing 101-What You Will Need to Know” and “Full Time & Extended RV Travel”. Additional seminars include Nomadic Living, Weight and Tire Issues, Generator Maintenance and Guided RV Tours. The Super Rally celebrates its 33rd year at the SuperShow. This RV rally is open to any and all RV clubs as well as the general public. The Rally offers a number of amenities including FREE admission to the SuperShow all five public days, meeting

facilities for your club, FREE coffee and donuts every morning and seminars. Three nights of entertainment and refreshments are also included and will feature “The Rivoli Revue” music by Kay and Ron Rivoli, a wonderful night of family entertainment by The Malt Shoppe Memories and Kenny Evans, a talented national artist. Admission to the SuperShow is only $12.00 for adults and that includes a second day admission for the cost of one day with children under 16 FREE. SuperShow hours are Wednesday – Saturday 9am – 6pm and Sunday 9am – 5pm. Wednesday is Senior Citizens Day with seniors receiving $2.00 off the cost of admission (not valid with other discounts). For more information on the 2020 Florida RV SuperShow, contact the Florida RV Trade Association at 10510 Gibsonton Drive, Riverview, Florida 33578, call (813) 741-0488 or visit our website at www.frvta.org.

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ancer is a common condition that affects all types of dogs, but certain purebred dogs have a predisposition for certain types of cancer. Examples include Shepherds predisposed to hemangiomas/hemangiosarcomas; Schnauzers predisposed to squamous cell carcinomas; and Boxers to mast cell tumors. Certain conditions predispose our pets to cancers such as obesity, reproductive status, viral infections, size of dog, and others. A somewhat common misconception is that routine blood work will tell doctors if their pet has cancer. Blood work is a very necessary means for monitoring changes that can occur due to cancer - but rarely is it a means of diagnosing types of cancer or detecting the presence of it. It is very important to inform your veterinarian of any changes you may notice on your pet such as lumps, bumps, patches, color changes, diet changes, unusual limping etc. Your veterinarian may offer certain tests such as fine needle aspirates (FNA), biopsy, ultrasound, radiographs, and advanced imaging such as a CT scan or MRI depending on the clinical presentation. This may ultimately lead to surgical, chemotherapeuitc, or radiation therapy intervention. Many tumors are responsive to surgical intervention, however at times, combination therapy may be recommended.

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Study: Time-Restricted Eating Benefits Health By TERRI BRYCE REEVES

hat if you could lose weight and improve your health just by watching the clock? New research shows this is possible and more manageable for most than watching caloric intake. Researchers from the University of California San Diego School of Medicine and the Salk Institute for Biological Studies have reported that a form of intermittent fasting, called “time-restricted eating,” improved the health of study participants who had been diagnosed with metabolic syndrome. Metabolic syndrome is the name for a group of risk factors that include at least five of the following conditions: obesity, high blood pressure, high serum triglycerides, high blood sugar, and low serum HDL, or high-density lipoprotein. The syndrome increases the risk of adverse health issues such as heart disease, Type 2 diabetes and stroke. Three out of 10 Americans have the disorder. Currently, doctors recommend that patients eat healthier, get more exercise, and take prescribed medications when needed. But these common remedies often prove insufficient to adequately manage risks. “As a cardiologist, I find it is very hard to get patients with prediabetes or metabolic syndrome to make lasting and meaningful lifestyle changes,” said Pam Taub, M.D., co-corresponding author of the study, associate professor of medicine at UC San Diego School of Medicine and cardiologist at the Cardiovascular Institute at UC San Diego Health. “There is a critical window for intervention with metabolic syndrome. Once people become diabetic or are on multiple medications, such as insulin, it’s very hard to reverse the disease process.” The pilot study, published online in the December 5, 2019 edition of Cell Metabolism, found that when participants restricted their eating to

“Eating and drinking everything (except water) during a 10-hour window allows your body to rest and restore for 14 hours at night.” 10 hours or less over 12 weeks, they benefitted in a myriad of ways. They lost weight, reduced abdominal fat and waist circumference, lowered blood pressure and cholesterol levels, and experienced more stable blood sugar and insulin levels. The practice is based on the idea that the body benefits when it is in sync with the its natural circadian rhythms, the 24hour cycles of biological processes that affect nearly every cell. Erratic eating

patterns can disrupt this system and create metabolic syndrome. “Metabolism is closely linked with circadian rhythms, and knowing this, we were able to develop an intervention to help patients with metabolic syndrome without decreasing calories or increasing physical exercise,” Taub said. Satchin Panda, Ph.D., co-corresponding author and professor in Salk’s Regulatory Biology Laboratory, said time-

restricted eating is a simple and effective dietary intervention, one where participants can easily adhere to the eating schedule. “Eating and drinking everything (except water) during a 10-hour window allows your body to rest and restore for 14 hours at night. Your body can also anticipate when you will eat, so it can prepare the body to optimize metabolism,” he said. The study involved 19 participants diagnosed with metabolic syndrome, with 16 taking at least one medication, such as a statin. Participants used an app created by Panda called “myCircadianClock” to keep track of eating behaviors. They were told they could decide what time to eat and how much to eat as long as all food consumption occurred within a 10-hour window. At the end of the 12 weeks, participants averaged a 3 percent reduction in weight and body mass index (BMI) and a 4 percent reduction in abdominal/visceral fat. Many also experienced reductions in cholesterol, blood pressure, and improvements in fasting glucose. Seventy percent of participants reported improved sleep. “Patients also reported that they generally had more energy, and some were able to have their medications lowered or stopped after completing the study,” said Taub. The researchers are currently conducting another clinical trial to examine the benefits of time-restricted eating in a larger group of more than 100 participants with metabolic syndrome. The study examines additional measures that will help the researchers investigate changes in body composition and muscle function. “Knowing how to optimize circadian rhythms could lead to a new treatment option for metabolic syndrome patients with life-altering diseases,” said Taub.

Lifestyles After 50 • Tampa Bay • January 2020 • page 17

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tart your new year with a guilty pleasure – a midday John Abbott getaway to The Florida Orchestra. In January you have several options for matinee performances with a wide range of extraordinary live music, including Coffee Concerts served up with free coffee and doughnuts. Café Olé Coffee Concert (Jan 8 & 9): Savor the Latin flavor with Gershwin’s Cuban Overture, Marquez’s Danzon No. 7, and Caturla’s Three Cuban Dances. Stuart Malina conducts. Free Pre-concert Conversation included with all Coffee Concerts, along with coffee and doughnuts. Lush Life: Ellington & Strayhorn (Jan 10 & 11, with Saturday matinee): Jazz trumpeter Byron Stripling leads The Florida Orchestra for the greatest hits of Duke Ellington and Billy Strayhorn such as Take the A Train and It Don’t Mean a Thing. Part of the Raymond James Pops series. Beethoven’s Piano Concerto No. 3 (Jan 17-19, with Sunday matinee): Art and ballet take center stage in a special concert inspired by the theater. Featuring the Museum of Fine Arts, the Tampa City Ballet, and original art by Geff Strik, as Michael Francis conducts Beethoven, Rimsky-Korsakov and Stravinsky. Free tickets for kids and teens in advance in The Tampa Bay Times Masterworks series; in partnership with the MFA. Free Pre-concert Conversation included. The Wild West Coffee Concert (Jan 30): Music from the American West, including Williams’ The Cowboys Overture, along with selections from Copland’s Rodeo and Billy the Kid Ballet Suite. Akiko Fujimoto conducts. Free coffee and doughnuts. If you go: Florida Orchestra Coffee Concert tickets are $24-$42, with concerts at the Mahaffey Theater in St. Petersburg and Ruth Eckerd Hall in Clearwater. Tampa Bay Times Masterworks and Raymond James Pops series tickets are $18-$48. Tickets at FloridaOrchestra.org and 727.892.3337 or 1.800.662.7286.

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THE STRAZ IT’S GRAND OPERA AT ITS GRANDEST. Lifestyles After 50 • Tampa Bay • January 2020 • page 18

Hosted by Opera Tampa League

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Events, days, dates, times, performers and prices are subject to change without notice. Handling fees will apply

Largo City Commission Celebrates Citizens’ Academy of Largo, Class of 2019

he Largo City Commission celebrated the Citizens’ Academy of Largo Class of 2019 graduation in December. Florida Representative Chris Latvala attended to share his congratulations. Each year, participants are given a behind-the-scenes look at what it takes to build the community of choice in Tampa Bay. They meet and interact weekly with the team members dedicated to providing superior services to the community. This year’s class was the 19th Academy. Participants toured and saw demonstrations at the Largo Police Department, Largo Public Works Complex, Fire Station 41, Wastewater Reclamation Facility, Recreation, Parks and Arts facilities and more.

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Save your energy and focus on the important things in life. Let the energy experts at Tampa Electric show you how to save on energy costs. When you participate in our free Home Energy Audit, one of our energy analysts will visit your home and identify areas where you can save valuable energy. You’ll also learn about our other energy-saving programs including Energy Planner, Ductwork and more. Visit tampaelectric.com/save to schedule your free Home Energy Audit today or call 813-275-3909.

Stop at our table on Wednesday, January 22nd, 2020 at the Lifestyles After 50 Fun Fest to be held at the: Moose Lodge #2276 3211 Gall Blvd. Zephyrhills 9:00 a.m. to 1:00 p.m. Bring this ad and receive a free energy-saving kit, made available through Tampa Electric’s Energy Education Outreach program.

Lifestyles After 50 • Tampa Bay • January 2020 • page 19

book Review by KATHY MEGYERI

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

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

n this lively survey about the history of American women, celebrated New York Times columnist Gail Collins highlights their roles and achievements through the lens of aging. The book begins in 1620 Plymouth Rock when any woman was considered marriageable if “civil and under 50.” Anyone older than 19 was thought of as past her prime. Spinsterhood was frowned upon, and male doctors thought sex was fatal for women over 50. But we’ve come a long way, baby. As Collins explains in her optimistic tone, today’s women have a choice in handling their own aging—they can embrace it, deny it, or defer it. “We baby boomers, because our numbers are growing, now control the definition of what older means. For the last 40 years, we’ve affected morality, tastes, and spending habits.” She continues, “We’re teaching ourselves how to get old in the best way possible.” The book is well-researched and divided into chapters according to decades. Through the use of Collins’ signature humor, it recounts the social history of older women over the last 389 years. As she writes in her introduction, “We’ve expanded our vision of what women can do at any age—Ruth Bader Ginsburg working

Still Have Life

out with her personal trainer at 86 before a day at the Supreme Court sounds perfectly reasonable, not to mention deeply desirable. But that doesn’t mean our prejudice against growing older has been erased. If it had, the 7,000 or so cosmetic surgeons in America would be way underemployed.” Collins shares plenty of interesting tidbits about American beauty and fashion. For instance, women who had money would layer bacon on their faces to prevent wrinkles. The 1920’s flapper dress was revolutionary because the material used in women’s dresses dropped from 19 1/4 yards to 7 yards. And thank goodness for World War II when rubber was needed for the war effort—those tortuous corsets were harder to buy. Best of all, Collins profiles some of America’s older and more colorful heroines such as Sojourner Truth, who answered a heckler by baring her breasts, telling them she “had suckled many a white babe to the exclusion” of her own offspring. And who can forget N.J. Congresswomen Millicent Fenwick, grandmother of eight who smoked a pipe, served for eight years after being elected at 64, and had the voice of Katherine Hepburn? Collins’ words of wisdom? “You’re not done until you see yourself as done. Getting older is an adventure like everything else in life: You’ve got to grab it and run with it.”

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2020

FUN FEST SCHEDULE

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2/12/2020

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Venue Moose Lodge 3211 Gail Blvd Lutz Senior Center 111 First Ave N.W Wimauma Senior Center 5714 North St Senior Friendship Center 1888 Brother Geenen Way Brandon Rec Center 502 Sadie St Friendship Center 1510 2350 Scenic Dr Oaks at Riverside 101 E. Kirby St Largo Community Center 400 Alternate Keene Rd Town ‘N Country Senior Center 7606 Paula Dr. Sunshine Center 330 Fifth St N. Barksdale Senior Center 1801 N. Lincoln Ave Sun City Center 1901 S. Pebble Beach Blvd. Mango Recreation Center 11717 Clay Pit Rd Dunedin Community Center 1920 Pinehurst Rd Clearwater YMCA 1050 S Highland Ave Brandon Moose Lodge 804 S. Miller Rd Bradenton YMCA 3805 59th St W.

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This is so gnarly, dude!

Recipe

For a new taste in 2020, try the celery root.

By LauRen ReeVeS

ity the poor celeriac, also known as celery root. This twisted tuber is downright homely-looking and relatively unknown in the U.S., although its popularity is increasing. It’s used quite frequently in European cuisine, particularly in France, where it is prized for its fantastic taste and impressive health benefits. Celeriac is high in fiber and a good source of vitamins B6, C and K. It also contains essential minerals like phosphorus, potassium and manganese. What’s more, it’s low in fat and calories and has half the carbs of potatoes. A half cup of celery root contains 51% of your daily requirements of Vitamin K, which is helpful to bone metabolism by aiding the body with calcium absorption and blood clotting. Research has also shown that micronutrients such as vitamin K may be beneficial in reducing the odds of getting cancer and could improve cancer survival rates. This superfood is very versatile and can easily be incorporated into your diet as an alternative to potatoes in dishes such as mashed potatoes, potatoes au gratin or potato soup. So next time you’re at your grocer’s produce section, be sure to seek out this knotty root. It really is all that, and a bag of celery root chips too! (They sell the chips on Amazon.)

Celery Root Mash Ingredients 2 celery roots (about 2 lbs.) 3 Tbsp. butter 2 Tbsp. light or sour cream Salt and pepper

Preparation Peel celery root and cut it up into small chunks. Place in a saucepan and cover with water. Heat on medium, bring to a boil and lower to a simmer. Cook for 30 minutes or until tender. Drain, add butter and light or sour cream. Use a food processor or potato masher and salt and pepper to taste.

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for users up to 6 feet tall. No more leaning forward, stretching, slouching or crouching– no worrying about toppling over or losing your balance. Best of all, when you are walking, you are looking forward, not down.

Look forward to going more places more often! Perfect Walker II folds up for transit or storage with a dual-folding design, making it compact and easy-to-handle, weighing only 18 pounds. It’s extremely simple and convenient to take and use just about anywhere. It features an advanced braking system, a secure locking mechanism and a stable wheel base. The rear “walking space” of the Perfect Walker II is wider than traditional rollators, giving you a greater range of motion and a natural, comfortable walk. So take your own advice, and stop slouching. Call today to find out how you can get a Perfect Walker II. You… and your children, will be glad you did. Call Now!

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Lifestyles After 50 • Tampa Bay • January 2020 • page 23

JANUARY 16, 2020 WMOR, MeTV Tampa Bay & EstrellaTV Tampa Bay are moving frequencies on January 16, 2020 at 10:00am. If you use an antenna to watch TV for free, you must rescan your television set after January 16, 2020 at 10:00am to continue receiving these channels. Visit TVAnswers.org or call 1-888-CALL-FCC (1-888-225-5322) and press 6 for more MOR-T information. Or visit MOR-TV.COM and click on the Operation Re-Scan link. Cable and satellite viewers are not affected. Lifestyles After 50 • Tampa Bay • January 2020 • page 24

The Sunshine State: Hotspot for Fraud

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ith the holidays behind us, phony scams like Letters from Santa, grandparent scares, fake charities, jobs, and e-cards have slowed down temporarily. But just when you thought it was safe to answer the phone or read email, here comes a presidential election year and an assortment of political scams and schemes as well. Unfortunately, the Sunshine State dominates the nation when it comes to fraud, based on the number of crimes reported to the Federal Trade Commission over the past five years. Some of the most targeted areas include the Tampa Bay area, Miami, Cape Coral, Ocala, Orlando, Punta Gorda and Jacksonville, according to eligibility.com, which has compiled the numbers and created a map of states with the most fraud-impacted cities. Scammers tend to target older adults as they often have more money saved than younger adults. Seniors lose an average of $34,200 when they are scammed, the site reports. With fraud and scams so prevalent these days, what can we do to protect ourselves? Here are some tips on what to do to stay safe: Stay informed Stay informed by following the news. Or go to the FTC’s site, consumer. ftc.gov, which will alert you to the latest cons. Some of the biggest frauds this year included free genetic testing, unnecessary braces or medical devices, and people claiming to be from the Social Security Administration or Medicare. For more information on Medicare scams, visit eligibility.com/medicare/ medicare-scam-report. Be vigilant If someone offers a deal that sounds too good to be true, threatens you, uses fear tactics, says you owe the government money, or asks for personal information, end the conversation immediately. Do your research If you receive a call that seems suspicious, hang up, and then Google the caller’s phone number to see if anyone else has linked it to fraud. Keep in mind that Medicare and the Social Security Administration will never call you asking for personal identifying information like your social security or Medicare numbers. If you receive a call from someone claiming to be from these organizations, hang up and call the organization’s main phone number. Ask the person who answers if the organization is trying to get in contact with you. Report it Finally, report any scams that target you to the FTC (www.ftc.gov) so they can track down these fraudsters. This step helps protect you and others in the future.

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Lifestyles After 50 • Tampa Bay • January 2020 • page 25

EALTHLiNE ❤

From Flab to Fit and Fab ~ the Safe Way

ith the new year unfolding, many of you will aim to get healthier through exercise. Whether you choose aerobics, strength training, flexibility, or balance, know that all four are important for strength, weight loss or control, heart and cognitive health. There are some things to keep in mind, especially if you’re not used to the routine. Always check with your doctor before starting an exercise regimen. This is especially important if you have any health issues such as diabetes, heart disease or arthritis. To help avoid injuries, make sure you warm up your muscles and joints first, maintain proper posture throughout, choose appropriate clothing, shoes and equipment, and stay hydrated. Strength training is an excellent way

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

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

can assist with correct posture and alignment. 2. Don’t overdo it. Start slowly with lighter weights, then build up slowly and gradually. 3. Breathe. Holding your breath can spike blood pressure. Exhale on exertion; inhale on the release. 4. Go slowly with smooth motions. At the peak of the exertion, hold the position for a beat. 5. Set a goal of strength-training two or three times a week with a day of rest in between. If you do go two days in a row, work on different muscle groups to give each a chance to recover. 6. Make sure to get an adequate supply of protein. Older adults should divide their weight by two-thirds; the resulting number is roughly the daily protein requirements, in grams, per day.

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levers down to go forward, pulls them both up to brake, and pushes one while pulling the other to turn to either side. This enables great mobility, the ability to turn on a dime and to pull right up to tables or desks. The controls are right on the steering lever so it’s simple to operate, and its exclusive footrest swings out of the way when you stand up or sit down. With its rugged yet lightweight aluminum frame, the Zinger is sturdy and durable yet convenient and comfortable! What’s more, it easily folds up for storage in a car seat or trunk– you can even gate-check it at the airport like a stroller. Think about it, you can take your Zinger almost anywhere, so you don’t have to let mobility issues rule your life. It folds in

seconds without tools and is safe and reliable. It holds up to 275 pounds, and it goes up to 6 mph and operates for up to 8 miles on a single charge. Why spend another day letting mobility issues hamper your independence and quality of life

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Lifestyles After 50 • Tampa Bay • January 2020 • page 26

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Dr. Judith M. Taylor, a former neurologist, enjoys a late-life career as a distinguished horticulture historian. She’s written six books on the subject.

arly retirement has clearly been shown to be detrimental to your health. The Wall Street Journal’s report, “The Case Against Early Retirement,” which is based on a major national study, laid out the pitfalls. Essentially, to retire into idleness is to die. There has to be a reason to get up in the morning. If it is only to sit, overeat and, perhaps, drink too much, your health suffers. The scientists showed that if such people went back to work the problems with their health were reversible. The most important thing one can do after leaving a full-time job is to pick out a challenging task and work at it as if your life depended on it. It does. When I was 60, my husband, who was a lot older than I was, suggested we pack it in and move to California, I thought: “Why not?” That was 25 years ago. Within a short time, I was so busy that I managed to avoid the downsides of early retirement. We were married for 55 years until he died in 2016 at 92. Now I carry on without him, but find that living into my 80s is a bonus filled with unexpected sources of satisfaction. Other than the great joys of children and grandchildren, perhaps the richest moments come from writing and researching. I find these activities very addicting. I am now 85 and came to write books by delightful serendipity. The house we bought in California had a sadly neglected garden. We planted two dozen olive trees, and I could not find any books about them, so after a lot of research, I wrote my own. Very little comes close to the excitement of seeing that first book in print. Stopping after the first book was impossible; I have since written five more. In my case, the kicker is that I only write books about subjects of which I know nothing about. The idea of penning a book about something I am already familiar with seems dull and dry. My passion for creating books has given my latter life just as much meaning, happiness and purpose—maybe even more—as any regular job could have. Becoming a horticultural historian has been a delightful chapter in my life; remember, it’s never too late to follow your dreams. Dr. Judith Taylor was born in London and educated at Oxford. For more information on her books, such as An Abundance of Flowers: More Great Flower Breeders of the Past, visit www.horthistoria.com.

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Lifestyles After 50 • Tampa Bay • January 2020 • page 27

16. Stand 17. Singer __ James 18. Dogs with wrinkled foreheads 19. Fertilizer ingredient 20. Very clever 23. One of 86,400 in a day: abbr. 24. 12/24 or 12/31 25. Cub Scouts’ org. 28. Cooks leftovers 32. Artificial A M A S 34. Speeder’s nemesis P A S T 35. Roman road I N S E 37. Tight 38. On one’s toesN E T M 39. Section of homes 40. Disneyland attraction B E W A 41. Parasite I R A N 42. One listed in a will 43. Pick-me-up L A D Y E S E 44. Animal covered with curls S E R 46. City in Colorado R 48. Azerbaijan, once: abbr. B A S E 49. Broke one’s fast C C E 51. United group: A abbr. 52. Family tree members S R A S 58. Saw H E R E 61. Term of affection 62. Reason to bathe 63. Velvety cloth 64. Suffix for defer or differ 65. City in Ohio or Peru 66. Birch tree 67. Prepared Easter eggs 68. Letters

than on the top 5. Beast of burden 6. Very old French coins 7. Pond growth 8. Tomato __ 9. Cavalry soldier 10. Actor Estrada 11. Tiny land mass 12. 90˚ from ENE 13. Pronoun ANSWER TO #5130 21. Equal S 22.STurn L O T C A N T away E 25.TEwe’s I R pastime E A L O E station T 26.ETelevision M B A S S I E S 27. Mexican Indian T O E P E E L S 28.RNumerical comparisons E R B O bigwig L D 29.EMagazine 30. Grow R E D Aexhausted T A P A P 31.ASedate; U N Tunchanging S A M I 33. Fortress B I34.RInclines D J O H N S O N R O M E Oshade O S L O 36. Earth E T39.ESorority S Sletter C R E E N 43.DSnack E A S from L AtheMbakery 45. Place to store food D A T O M U M P 47. Thundered S S O R Y P I P E R 50. Quit A T E E R O D E 52.NHereditary unit 53.AOpposite P S S R E N E S of “acknowledge” 54. Look toward 55. Ms. Adams 56. City near Tívoli 57. Fem. titles 58. Swirling bath 59. Companion 60. Colts’ home: abbr.

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1. Geneviève and Clotilda: abbr. 14 15 2. Piece of wood 17 3. Edmonton’s loc. 18 4. Larger on the bottom 20 than on the21top 5. Beast of23burden 6. Very old French coins 7. 28Pond 29 growth 30 8. Tomato __ 34 9. Cavalry soldier 35 10. Actor Estrada 3811. Tiny land mass 39 12. 90˚ from ENE 41 42 13. Pronoun 21. Equal 44 45 22. Turn away 25. Ewe’s pastime 48 49 50 26. Television station 27. Mexican52Indian 28. Numerical comparisons 5829. 59Magazine 60 61 bigwig 30. Grow exhausted 63 31. Sedate; unchanging 64 33. Fortress 66 67 34. Inclines 36. Earth shade 39. Sorority letter 43. Snack from the bakery 45. Place to store food 47. Thundered 50. Quit 52. Hereditary unit 53. Opposite of “acknowledge” 54. Look toward 55. Ms. Adams 56. City near Tívoli 57. Fem. titles 58. Swirling bath 59. Companion 60. Colts’ home: abbr.

FILL IN ANSWERS & WIN GREAT PRIZES

22 24

DOWN 1. Geneviève and Clotilda: abbr. 2. Piece of wood 3. Edmonton’s loc. 4. Larger on the bottom than on the top 5. Beast of burden 6. Very old French coins 7. Pond growth 8. Tomato __ 9. Cavalry soldier h what fun it is to 10. Actor Estrada 11. Tiny land put mass away all the 12. 90˚ from ENE celebratory vestiges af13. Pronoun 21. Equal ter the holidays! Lights 22. Turn awaydecorations are and 25. Ewe’s pastime closeted 26. Television stationfor another 27. Mexican year.Indian Wrapping paper 28. Numerical comparisons and ribbon 29. Magazine bigwig that wasn’t 30. Grow exhausted by eager decimated 31. Sedate; unchanging hands is recycled for 33. Fortress future use. The last of 34. Inclines Seasons Greetings fro m the Nelsons 36. Earth shade the eggnog is tossed 39. Sorority letter down thebakery drain, and 43. Snack from the 45. Place store food fruit cake? Pulverized in the waste disposal. thetodreaded 47. Thundered 50. Quit If you celebrate Chanukah (or Hanukkah, if you can’t gargle), it leaves 52. Hereditary unitdetritus. The lingering aroma of fried potato pancakes can last its own 53. Opposite up to two weeks, requiring the use of industrial-strength air freshener. of “acknowledge” 54. Look Then toward there’s the labor of chiseling the hardened wax from the menorah, 55. Ms. Adams the candle holder which burns 44 candles over the eight nights of the 56. City near Tívoli holiday. Would dripless candles be a blasphemy? Maybe. So, we stand 57. Fem. titles 58. Swirling overbath the sink with small sharp objects, jabbing at the little candleholders 59. Companion until they’re 60. Colts’ home: abbr. empty and ready for next year.

Trashing My Friends

#5131

40 CROSSWORD PUZZLE

ACROSS 43 1. Swat 5. Without delay, for short 44 45 46 47 9. Dog owner’s item 14. Yarn 48 49 50 51 15. Ms. Falana 16. Stand 52 53 54 55 56 57 17. Singer __ James 18. Dogs 62 with wrinkled 58 59 60 61 foreheads 19. Fertilizer 63 64 65 ingredient 20. Very clever 66 67 23. One of6886,400 in a day: abbr. 24. 12/24 or 12/31 25. Cub Scouts’ org. 28. Cooks leftovers 32. Artificial Send your answers for a drawing. First correct answers 34. Speeder’s nemesis selected from the drawing on the 20th of theroad month will 35. Roman Tight50, win. Send to: Lifestyles37. After 38. 33583 On one’s toes P.O. Box 638, Seffner, FL 39. Section of homes 40. Disneyland I want information on: Insurance Personalattraction Health Travel / Cruises Elder Law / Financial 41. Parasite & Fitness 42. One listed in a will Recreation / Leisure Housing Options 43. Pick-me-up Home Improvements Entertainment / Events Reverse Mortgages 44. Animal Automobiles covered with curls 46. City in Colorado Name 48. Azerbaijan, once: abbr. 49. Broke one’s fast 51. United group: abbr. Address 52. Family tree members 58. Saw 61. Term of affection 62. Reason to bathe City State Zip cloth 63. Velvety 64. Suffix for defer or differ 65. City in Ohio or Peru Age Phone 66. Birch tree 67. Prepared Easter eggs E-mail 68. Letters 41

ACROSS 1. Swat 5. Without delay, for short 9. Dog owner’s item 14. Yarn 15. Ms. Falana 16. Stand 17. Singer __ James 18. Dogs with wrinkled foreheads 19. Fertilizer ingredient 20. Very clever 23. One of 86,400 in a day: abbr. 24. 12/24 or 12/31 25. Cub Scouts’ org. 28. Cooks leftovers 32. Artificial 34. Speeder’s nemesis 35. Roman road 37. Tight 38. On one’s toes 39. Section of homes 40. Disneyland attraction 41. Parasite 42. One listed in a will 43. Pick-me-up 44. Animal covered with curls 46. City in Colorado 48. Azerbaijan, once: abbr. 49. Broke one’s fast 51. United group: abbr. 52. Family tree members 58. Saw 61. Term of affection 62. Reason to bathe 63. Velvety cloth 64. Suffix for defer or differ 65. City in Ohio or Peru 66. Birch tree 67. Prepared Easter eggs 68. Letters

#5131

24 31 36

But for me, one looming issue remains—what to do with the greeting 9 10 11 12 13 cards containing portraits of my friends and their families? 16 I’m not talking about those from your dry cleaner or newspaper delivery 19 man. They can be guiltlessly abandoned to the recycle bin. But the family photo cards? Not so easily trashed. 22 It must have cost the Clarks a pretty penny to assemble all 28 children, 25 26 27 grandchildren and dogs on that Hawaiian beach. Not to mention the 32 photographer’s 33 fee. And see how lovely and happy they are, healthy white teeth37displayed for the camera? What do I…? How can I…? But on the other40 hand, do I really need a family portrait of the Clarks? And here are the smiling Bensons. Not quite as many as the Clarks, 43 but lovely all the same. And Tracy is coddling her new baby. How sweet! 47 Can I even consider tossing out that baby? Next come the Berkowitzes. There are enough in this group to qualify 51 as a tribe. And Papa Berkowitz didn’t fail to include his annual family 55 56 57 update letter, with each person cross-referenced in the photo and identified 62 by little numbers on their chests. Boy, he really put a lot of effort into this 65 one—such a dilemma. Here’s one from Betty. She has no children, but look at her adorable 68 dogs. I do love dogs. I would never trash a dog. But yet... These people look familiar. Oh, they’re my grandkids. Not the best picture. And I have so many others. I stand by the garbage bin, photo cards in hand, immobilized by agonizing indecision. It would be so much easier if the cards would simply self-destruct 48 hours after New Year’s Day. Hallmark, are you listening? Susan Goldfein’s newest book, How to Complain When There’s Nothing to Complain About, is available at Amazon.com. Read her blog at: www.SusansUnfilteredWit.com. Email Susan at SusanGoldfein@aol.com

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# 307 Sudoku #305

Trivia Palooza! SUDOKU

January Word WORD SEARCH Search

In the grid below, twenty answers can be found that fit the category for

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

Play & WIN!

Sudoku requires no arithmetic skills.

The object of the game is to fill all the

squares oNce with thecALLed correct numbers. QuestIoN: tIMeblank MAgAzINe her bIrth “the Most AWAIted bIrth IN PerhAPs 2000 yeArs?.” Each row of 9 numbers must include all Who Were they referrINg to? digits 1 through 9 in any order.

Today's Category: U. S. State Capitals A B M C B U A E N U J

Each column of 9 numbers must include

your ANsWer: _____________________________________ all digits 1 through 9 in any order.

Answer This Trivia Question To WIN a Prize!

Each 3 by 3 subsection of the 9 by 9 squareinmust include all digits 1page through Hint: Find the answer last month’s Editorial 3. 9.

https://lifestylesafter50.com/seeing-2020/ 3 1

1 6 8 7 4 5 win a prize each month! Play each week2to be entered in a drawing to Deadline 8 for entries: January 20th Name 1 3 2 6 5 Address 4 3 City State Zip 5 6 9 Email Phone 8 1 3 6 Mail to: Lifestyles After 50, P.O. Box 638, Seffner, FL, 33583 7 1 4 Georgia Clark, Clearwater was our last months winner! Last month’s answer: June 26, 1870

The more you play the better chance you have to win! Go to LifestylesAfter50.com and click on the Trivia Palooza icon to play each week. Sudoku #306

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

SUDOKU

The object of the game is toisfill all the Last Month’s Winner blank squares with the correct numbers.

William Marling, Naples

CoNgratuLatioNs!

Each row of 9 numbers must include all od digits 1 through 9 in any order.Good GoEach Luck! Luck! column of 9 numbers must include all digits 1 through 9 in any order. Prizes! EachWin 3 by 3Great subsection of the 9 by 9 New winner selected each month square must include all digits 1 through 9.

9 7 5 8 4 2

6 1

9 8 7

3 4 8 6 1 2 5 9 7

2 7

5 1 2 9 4 7 3 8 6

6 9 7 5 3 8 4 1 2

7 6 4 8 9 3 2 5 1

8 2 3 1 5 6 7 4 9

S L T

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 the 20th will win.

7. Earwig

R D E S D D A T

E E E T

K A G T

D K Q B

O C O P N S N

A N M N N F

E S F

V H N Y U R

S E O G Z

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G X O D C O N C O R D

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

Word Search

CongrAtuLAtions!

# 306

A E L

F E K B E Z B M L

S M G K R M A A F E G

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# 306 I E W A

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11. Hornet

16. Roach

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12. Katydid

D D H T CO MD R H D T TL EK H D V

R X H H G

17. Silverfish 13. Locust

A C A C W A G G Y G C E

15. Moth

9. Fly

16. Roach 6. Cricket19. Wasp 17. Silverfish 20. Weevil

7. Earwig

10. Gnat

Last Month’s Winner is Allen H. Dorney, Leesburg

14. Mosquito

18. Termite

9. Fly

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

A C A C W A G G Y G C E

5. Cicada

8. Flea

MYSTERY PRIzE!

13. Locust

2. Aphid 3. Bee

WIN! WIN! WIN! GREAT PRIZES!

D H T O M R D T L

15.Solution: Moth Search

Word 1. Ant

Good Luck!

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

12. Katydid

8. Flea

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

D A E

P D D N N D D C D S X N

14. Mosquito

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

A C O N S

4. Beetle

Send your answers along with your name, address, Gnat telephone number &10. email to:

Lifestyles After 50 • Tampa Bay • January 2020 • page 30

D D S G C L

U E A T

2. Aphid

6. Cricket

7 5 2 1 9

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1 4 2 9 5 8 7 3 9 6 1 5 2 3 4 7 7 2 8 6 4 9 5 1 Solution: 6Word 1 9 Search 8 3 1. 7 Ant 6 2 11. Hornet 8 5 3 4

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6 5

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Solution #305

U D O A T

Salem ____________________ ____________________ ____________________ ____________________ ____________________ ____________________ ____________________ ____________________ ____________________ ____________________ ____________________ ____________________ ____________________ ____________________ ____________________ ____________________ ____________________ ____________________ ____________________ ____________________

1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20.

F V S

V E R F

S H

P C R I C A N T Z D T E H H G G OI ER W N A S EP

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18. Termite

H O R N E T C T D S C S

19. Wasp

S Y G T O T

20. Weevil

L O C U S T B E E T L E

Answers to December’s seArch I U Q S O M

Seniors getting Together Women Seeking men 5384 - neeD A QUALiTY SingLe mAn. Age 55+ for LTR. Tall/Medium built, healthy and financially secure. From Cuba, Puerto Rico or white. Island woman. Tampa Bay. 5383 - LAST CHAnCe FoR ComPAnion. SWF, 75, NS, C, SOH, ND, R, FF, 5’5”, Avg., attractive I’m told. Loves animals, parks, good company, short trips. Hoping for gentlemen, 7580, 5’8” + with same. Zephyrhills. 5379 - WDWF, 70, iSo W mALe. Age prefer 60-70. Tall, xtra pounds. I’m not HWP. I use to follow a saxophone player and vocalist. Kept me busy. I need a friend. Tampa Bay area. 5376 - WW, W, nS, nD, LTR. I am 69 and looking for Mr. Right. I go to church, am a country girl, listen to country music, folk, gospel, 50s and 60s, like slow dance, wildlife, taking walks, art work, travel, going to movies, easy going, out to eat. Name and phone on letters. Duette area. 5385 - Looking FoR mALe FRienD. To enjoy things together. I’m 70’s, 5’5”, 128 lbs., slim, active, DWHF, likes dancing, exercise, travel. Important you like the same. Fit. Healthy. SOH. Clearwater area. 5367 – i Am Looking FoR mR. RigHT. I’m a WW, 76 yy, 5’5”, blue eyes, white hair, NS, ND, NDrg, healthy, SOH, like to dance to 50’s & 60’s country music, take walks, just enjoy life. I am a caring, loving person. Would like to meet a SWM, same age or older, taller than me. NS, ND or SD, NDrg, healthy SOH. Port Richey, Hudson area. Send name & phone number. 5368 – Seeking SinCeRe, HoneST genTLemAn. I’m young 70’s, SWF, 5’8”, slim, attractive, blonde and physically fit. I love anything outdoors. Enjoy travel to Tenn mountains in summer, cruising, small local trips. Send phone number. Largo area.

4119 Seeking HoneST genTLemAn. Former airline stewardess and model, 5’4”, 104 lbs., slender, white with Ph.D. in healthcare. Fulbright scholar, eats healthy and exercises. Likes sports and animals. WW. Loves the Lord. Florida.

men Seeking Women 5390 - HAPPY VALenTine. WM, 60. Hearts, Kisses, Roses. That get your attention? A chance at love, love by chance, a stare, a glance, a chance for romance. LTR possible. Write me. Maybe dance, wine, relax. N. Tampa 5381 - 58. Wm. meRRY CHRiSTmAS. Holiday role play? Santa & workshop. Mrs. Claus and Elf. Looking for Holiday surprise? I might be your fantasy gift. Send me your wish list. LTR possible. Tampa area preferred. N. Tampa. 5380 - SingLe. Wm. 60. HAPPY neW YeAR. Tired of hanging mistletoe? I’m tired of hot chocolate and cookies. This holiday, let us be the treat. Can be discreet. Send a note. LTR possible. Happy Holidays. 5378 - Looking FoR ComPAnion. SWM, 80ish, 5’11”, financially & emotionally secure. Christian, college degree, East Tenn. bred. New to Florida. Seeks SWF for close friendship and adventure. Tarpon Springs area. 5386 - oUTDooR TYPe ReTiReD SWm. Sierra Club member. 6’, HWP. Likes boating, fishing, travel, State and National Parks. ISO SWF. Lane Bryant type, NS, healthy, romantic, LTR possible. Write me. Sincere only. Seminole 5369 – Looking FoR mS RigHT. Retired New York Attorney, former New York Police Officer, looking for loving relationship with kind and sincere, selfcaring lady. 65 – 75. Widow preferred. Clearwater area.

5370 – WHeRe ARe YoU LADY? Country gentleman ISO country lady for LTR, intimate relationship, possible live in. Sharing adventures in our golden years. Friends first. Tell me what you want & enjoy. St. Pete. 5371 – TiReD oF LoneLY nigHTS? So am I. Retired SWM, healthy, ISO NS romantic SWF with varied interests. Must love life, trust in God. Age/size open. Just be healthy and caring. St. Pete area. 5372 – Looking FoR ComPAnion. SWm, 80 yrs young, 5’11”, 215#, active, independent, financially & emotionally secure, looking for same type of woman for local events, day trips. Gulf Port area 5359 – Looking FoR W LADY. 62-76. I am 68, 5’11”, 200 lb. I am a good-looking man looking for a good woman. Love to snuggle, day travel, relaxing at home, like movies, speak English. Tampa

To PLACe An AD: Send your ad, stating what edition(s) you would like it placed in, along with a $6 fee for 30 words (25¢ for each additional word, abbreviations not charged) to the Lifestyles After 50 address listed below. Ads received by the 15th of the month will appear in the following issue. To ReSPonD To An AD: Write a letter to the person you want to contact. Place that letter in a stamped envelope and write the ad # on the bottom left hand side of the envelope. Place your stamped, numbered envelope(s), along with $2 for each letter enclosed, into another envelope and address it to: Lifestyles After 50 Seniors Getting Together P.O. Box 638, Seffner, FL 33583 CommonLY USeD AbbReViATionS: F-Female, M-Male, S-Single, D-Divorced, WWWidow, A-Asian, B-Black, H-Hispanic, I-Indian, W-White, C-Christian, J-Jewish, YO-Years Old, YY-Years Young, ISO-In Search Of, SOH-Sense Of Humor, SM-Smokes, S-Light Smoker, NSNon Smoker, ND-Non Drinker, SD-Social (Light) Drinker, DR-Drinks, NDrg- No Drugs, LTR-Long Term Relationship, HWP-Height & Weight Proportional, R-Retired, P-Professional, FF-Friendship First, TLC-Tender Loving Care.

Seniors Getting Together

Personal Ad Placement only $6 per month! Deadline for ads is the 15th of the month prior to placement. MArk The ediTiOn(S) YOu WOuLd Like TO run YOur Ad in: ❍ Tampa Bay & Suncoast (Hillsborough/Pinellas/Pasco) ❍ Lake/Marion/Sumter ❍ Southwest & Sarasota (Lee, Charlotte/Manatee)

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If more room is needed, please use separate sheet. Mail this form along with $6 for each ad per month (add $4 for each additional edition/market in the same month). We cannot accept your ad without it. This information is conﬁdential.

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Email: Make checks payable to: Lifestyles After 50 Mail to: PO Box 638, Seffner, Fl 33583 Lifestyles After 50 • Tampa Bay • January 2020 • page 31

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