Lifestyles After 50 Tampa Bay, Hillsborough, East Pasco Edition, April 2018

Florida’s Most Read 50+ Publication

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Tampa Bay ~ April 2018 Hillsborough, East Pasco

America’s

First Solar City

Rises in Florida

Hurri Preparecane dness Kings P Sun Cit oint, y Cente r April 2 5 9:30 a.m .–2p .m.

Linda Harter, Florida’s Gator-trappin’ Grandma

ULTRA VIOLET for ULTRA COOL DÉCOR

Lifestyles After 50 • Tampa Bay • April 2018 • page 2

APRIL LOVE:

Tampa Bay Edition Published monthly by

News Connection USA, LLC Volume 29, Issue 4

CEO, News Connection USA, LLC

I

n March we said a final goodbye to our lovely niece-in-law, Elizabeth Crosby Reeves, who learned 13 months ago she had terminal bile duct cancer. It was a horrific battle for the 48-year-old mother of two, but one she fought bravely.

She was kind, beautiful, generous and loved -- about 400 people showed up for her memorial service.

Elizabeth was one among an estimated half-million Americans who will die from cancer this year. It’s the second leading cause of death in the United States, exceeded only by heart disease. It can cause tremendous suffering for the patient, their families and communities.

April is National Cancer Control Month, a federally endorsed observation that, since 1938, honors those have battled the disease, encourages research, and seeks to educate people on how to prevent cancer.

Currently, record-breaking advances in cancer research are transforming cancer treatment to make it more effective and less toxic. Many more promising treatments and therapies are on the horizon. Immuno-oncology— teaching the body’s immune system to attack cancer—is especially exciting.

And because of the Affordable Care Act, which came into force in 2014, insurers must cover recommended cancer screenings and other preventative services.

They cannot deny coverage because of pre-existing conditions or limit coverage by putting annual dollar limits on most benefits.

Right now, though, the best way to combat the disease is through prevention and early detection. Experts say that nearly half of all cancers can be prevented through healthy eating habits,

“

Ed Graves Ed@lifestylesafter50.com

Editor

Terri Bryce Reeves Terri@lifestylesafter50.com

Website Coordinator

Allie Shaw Allie@lifestylesafter50.com

Director of Advertising

Joe Gess Joe@lifestylesafter50.com

Office Manager

Vicki Willis Vicki@lifestylesafter50.com

Distribution

It’s All About the Earth, Yourself and Those Pesky Gators regular exercise, limiting sun exposure, living tobacco-free and avoiding excessive alcohol consumption. Regular physicals and cancer screenings give patients the best chance for successful treatment.

So why not make April the month to start loving yourself a little more.

Following these preventative guidelines will not only make your quality of life better, but hopefully it will make your life longer as well.

Whether you are spring cleaning or spring breaking, this issue Lifestyles After 50 should be a pleasant distraction.

To celebrate Earth Day on April 22, we’ll introduce you to America’s first solar city— it’s going up right here in Florida.

And with our beautiful weather comes increased gator roaming (they’re looking for love in all the wrong places), so, just in case you spot one floating in your pool, we’ve talked to one of Florida’s licensed nuisance gator trappers.

She’s fearless.

Been thinking about adding a pop of color to your décor? We show you how with Pantone’s Color of the Year, Ultra Violet.

On these pages you’ll also learn about new Medicare cards, tax-deferred bonds, a new shingles vaccine, new blood pressure guidelines, and other health and senior news. For a special treat, check out our recipe for gator wings.

And of course, our his and her satirical columnists will keep you in stiches.

Visit www.lifestylesafter50.com for even more information and entertainment.

Terri Reeves

”

Editor

A diplomat is a man who always remembers a woman’s birthday but never remembers her age. ~ Robert Frost

Nancy Spencer Nancy@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 • April 2018 • page 3

local events around town • april 2018 Date: Event:

April 7 Parkinson’s Moving Day – Move and Walk event Time: Registration: 8:30 a.m.

Walk start time: 10:45 a.m.

Cost: Free, donation appreciated Building: USF (behind the Marshall Student Center) Address: 4103 USF Cedar Circle Tampa, 33620 Phone: 813-940-7246 Website: movingdaywalk.org Date: Event: Time: Cost:

April 7 Plant City Community Chorale Presents: SING ON! 7:30 p.m. $10 in adv/ $15 at door

Building: Eastside Baptist Church Address: 1318 E. Calhoun St. Plant City, 33563 Phone: 813-951-5166 Website: pccchorale.org

Date: Event: Time: Cost:

April 8 Festa Italiana 2018: Italian Food and Culture Festival 11 a.m. -6 p.m. $10 - $75

Building: Centennial Park Address: 1800 E. 8th Ave. Tampa, 33605 Phone: 813-248-3316 Website: festaitalianatampa.com Date: Event: Time: Cost:

April 11 Elder Law, Estate Planning, VA AID & Attendance 2 - 3 p.m.

Free

Building: Discovery Village/ Tampa Palms Address: 17470 Brookside Trace Ct. Tampa, 33647 Phone: 813-600-5994 Website: discoveryvillages.com

Date: Event: Time: Cost:

Date: Event: Time: Cost:

Now through April 12 Isle of Dogs varied by date online $11

April 19 Spring Time Brunch 11 a.m. - 2 p.m. $5 donation

Building: Tampa Theatre Address: 711 N. Franklin St. Tampa, 33602 Phone: (Box Office: 813-274-8982) Website: tampatheatre.ticketforce.com

Building: Aston Gardens At the Courtyards Address: 231 Courtyard Blvd Sun City Center, 33573 Phone: 813-642-7447 Website: astongardens.com

Date: Event: Time: Cost:

Date: Event:

April 12 Spring Picnic 11:30 a.m. - 4 p.m. $10 per person

Time: Cost:

Building: American Legion Post 335 Address: Osceola Rd. Hudson, 34654 Phone: 727-375-7900

April 21 Plant City Strawberry Classic Cruise-In 2018 3 - 8 p.m. free

Building: Union Station Depot 102 Address: 102 N. Palmer St. Plant City, 33563 Phone: 813-754-3707 Website: plantcity.org

Date: Event: Time: Cost: Building:

April 24-29 Waitress varied by day $45 Straz Center (Carol Morsani Hall) Address: N. W.C. MacInnes Place Tampa, 33602 Phone: 813-229-7827 Website: strazcenter.org

Date: Event: Time: Cost:

April 28 Movie: Ferris Bueller 8 p.m. free

Building: Water Work Park Address: 1710 N. Highland Ave. Tampa, 33602 Phone: 813-274-8750 Website: b987fm.com

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

David Weekley Homeowners Harold & Leah Ann Root

TAMPA’S FRIENDLIEST 55+ LIFESTYLE NEIGHBORHOOD

Bell Shoals Rd.

Discover Encore at FishHawk Ranch, where you’ll find all the joys and comforts of 55+ living in an open, well-designed Encore

by David Weekley home that feels tailor-made for your active lifestyle. Enjoy exclusive, resort-style amenities and the company of neighbors who share your interests. And, it’s all right here at FishHawk Ranch, one of Tampa’s most desirable communities.

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Encore at FishHawk Ranch Classic Series From the $275s

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HAS ITS UPSIDES. Encore at FishHawk Ranch is an age-restricted community. See a David Weekley Homes Sales Consultant for a copy of the restrictions and other details. Prices, plans, dimensions, features, specifications, materials, and availability of homes or communities are subject to change without notice or obligation. Illustrations are artist’s depictions only and may differ from completed improvements. Copyright © 2018 David Weekley Homes - All Rights Reserved. CBC1257289 Weekley Homes, LLC. Tampa, FL (TAMO93532)

Lifestyles After 50 • Tampa Bay • April 2018 • page 4

Community Brags

Left to right: Valerie Mathieu and Carly Maerkle receive a check for Chariots of Love from Pastor Mary Martin and Sylvia Maedel. Pastor Martin of Community of Christ (Zephyrhills Congregation) had challenged members to raise $2,000 to fund a wheelchair for a handicapped child; a total of $2,207 was raised. Chariots of Love was chosen to provide the wheelchair. The balance of the funds will be used to provide care-type packages to troops overseas.

Does your club or organization have something they are proud of and want to share with the local community?

Members of the GFWC Brandon Junior Woman’s Club served a nutritious meal at Trinity Cafe in Tampa.This cafe serves the homeless in the community and on this particular Sunday the club helped with the breakfast service to 219 individuals.

Tell us about the award, honor, achievement, fundraiser or benefit event in 250 words or less and send it with a photo of the people involved to Terri@LifestylesAfter50.com Include your name, phone number, and the organization’s location and contact info. Put Community Brags in the subject line. Information must be received by the 15th of each month for consideration in the following month’s issue. Brags are published on a first come, first served, space available basis.

When it’s your eyes… good may not be good enough.

Cataracts are one of the most common eye conditions treated by ophthalmologists and usually occur as part of the normal aging process.

St. Luke’s surgeons have been trailblazers in the innovations that make cataract surgery one of the safest and most regularly performed surgeries in the United States.

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CATARACT LASER INSTITUTE

Call Today 727-491-8283 or visit us at StLukesEye.com

Now Accepting UnitedHealthcare Medicare Advantage Patients

Our Tarpon Springs location is now newly renovated and modernized for increased patient comfort.

43309 US Hwy 19 N Tarpon Springs, FL 34689 Lifestyles After 50 • Tampa Bay • April 2018 • page 5

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Lifestyles After 50 • Tampa Bay • April 2018 • page 6

Oh, You Beautiful Doll!

by Randal Hill

“I

t is very strange to have a doll named after you,” Barbara Handler Segal has admitted. “Much of me is very proud that my folks invented the doll; I just wish I wasn’t attached to it.”

Californians Ruth and Elliot Handler manufactured dollhouse furniture, which they sold under their company name of Mattel. While successful, the Handlers were always casting about for one special item that would make Mattel an iconic name in the toy world.

In the early 1950s, the Handlers’ daughter, Barbara (b. 1941), had enjoyed playing with dolls. Not the run-of-themill, cherub-faced, infant variety, but shapely teenage paper dolls that came with fashionable cutout wardrobes. Ruth opined that Mattel should offer a three-dimensional doll, designed as a young woman and with an appeal to older girls.

On a 1956 trip to Switzerland the Handlers serendipitously found a doll much like the one Ruth had envisioned. “Lilli” was a German adult novelty toy that, unbeknownst to the Handlers, was based on a cartoon character who was a prostitute.

Back home the couple spent three years developing a clean-cut counterpart to naughty Lilli that would proudly bear their daughter’s name. On Barbie’s “official” birthdate—March 9, 1959—the doll debuted at a New York toy convention.

On that day, Barbie’s real-life namesake was a shy 17-year-old attending Los Angeles’s Hamilton High School.

First-version Barbie earned mixed reviews, with some critics grumbling that the voluptuous toy was too expensive ($3 at a time when the hourly minimum wage was $1) and, at 11.5 inches, too small in comparison to traditional dolls.

The main problem, though, was Barbie’s overt sexiness. Sears quickly declared her unfit for their store. However, Barbie quickly flew off everyone else’s shelves and eventually became the bestselling doll in history, with worldwide sales of 1 billion units.

Feminists often railed against Barbie, labeling her a vacuous bimbo and crying out that her proportional measurements (36-18-33) were unrealistic and potentially unhealthy for impressionable young girls who wanted to emulate her. In 1997, Barbie’s body mold was redesigned and given a wider waist; in 2016, Mattel introduced several new body types.

At age 18, Barbara Handler married Allen Segal. They had two children, including a daughter named Cheryl.

There’s no doubt that Cheryl Segal was raised with the usual delights of any typically well-off southern California girl.

Except for one.

She never owned a Barbie doll.

Randal C. Hill, a former disc jockey, English teacher, record collector and author, confesses to being hopelessly stuck in the past. He lives on the Oregon coast and can be reached at wryterhill@msn.com.

America’s First S lar City is Florida Born

by KATHy MEGyERI

Homes meet Florida Green Building Coalition standards and are constructed in a myriad of architectural styles

Photos courtesy Babcock Ranch

goal is for Babcock Ranch to be the “world’s most sustainable city.”

Babcock Ranch was first owned by Edward Babcock, a lumber baron who bought the land in 1914.

Fred, his son, added vegetable farming and primitive swamp tours in the ‘30s, but when he died in 1997, his heirs sold their 91,000 acres to Florida developer Syd Kitson who sold 73,000 acres to the state for $350 million.

Solar panels installed on the commercial rooftops of Founder’s Square

A

s we celebrate Earth Day 2018, it seems fitting that In partnership with the National Audubon Society, America’s first sun-powered city is sprouting up FPL is creating a safe haven for pollinator species in the Sunshine State. by planting native plants and wildflowers to attract Babcock Ranch city, an approximately 17,000-acre butterflies, honeybees, and other critical species. In planned community under development in Southwest addition, the town’s layout improves existing flowering Florida (between Punta Gorda and and wetland ecosystems.

Fort Myers), began welcoming Self-driving shuttles on residents in January and held an what’s become the nation’s first official grand opening on March autonomous shuttle network 10. It’s expected that 500 residents ferries visitors to model homes will call this futuristic town home and Founder’s Square, the center by the end of the year and 50,000 of commerce which includes will move here eventually for its charming options like an ice pro-environment lifestyle. cream shop, a general store, a Driving the development is a farm-to-table restaurant, and a large power station composed of large health and wellness center. more than 340,000 photovoltaic Town ambassadors give solar panels on 440 acres as well touch-screen presentations as as a network of rooftop solar Self-driving shuttles ferry people around town lime-green solar trees capture and transmit energy. It is promised that panels on commercial buildings.

More are planned in the future. Operated by Florida 50 percent of the total 18,000-acre town footprint will Power & Light, the panels are intended to produce more be preserved and accessible via a 50-mile network of electricity than will be consumed. The current solar cells trails for hiking, biking and horseback riding, and that can power 15,000 homes with zero emissions—equivalent over 5,000 new trees will be planted. Perks include to removing 12,000 cars from the road every year. FPL locally grown produce and a solar-environmental center. says that its investment in this project has reduced the use Kitson & Partners, the real estate development firm of oil by more than 98% and has saved customers $8.6 that facilitated what ranks as the largest conservation billion in fuel. land acquisition in Florida history, has stated their

Kitson’s plan is to eventually construct 19,500 single family homes, townhouses and condos that currently range in price from the $190,000s to the $900,000s. They will meet Florida Green Building Coalition standards and be constructed in a myriad of architectural styles: Craftsman, Farmhouse, Coastal Surf Vernacular, Spanish, and Colonial/West Indies, “to evoke a simpler time when neighbors knew and cared for one another,” Kitson said.

BaBcock Ranch 42850 Crescent Loop • Babcock, FL

Model Home Hours: daily 10 a.m. -5 p.m.

Info: 941-200-1507 or visit babcockranch.com

Lifestyles After 50 • Tampa Bay • April 2018 • page 7

Friendly Outgoing Retiree 10 hours per week. Flexible. Fun. $120.00 week plus bonuses.

Seeking a “goodwill ambassador” for greater Tampa area. SeniorTV is a 25 year old company offering discounted cable TV and Internet to retirement communities, assisted living, and care centers coastto-coast. We are looking for an energetic retiree with safe driving record to maintain relations with existing customers and help identify prospective new properties.

IMPORTANT

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IN REACHING THE

50+ MARKET: Home Improvement According to the Joint Center for Housing Studies expenditures by homeowners age 55 and over are expected to grow by 33% by 2025, accounting for more than three-quarters of total gains over the decade.

Generous bonuses paid on new sale opportunities. Ideal for person with prior sales or customer service experience who wants to stay busy and make some money. We will train on the basics. seniortv.com.

Interested parties may email: careers@seniortv.com. Please explain your all time favorite car and why, past work experience, and why you would enjoy this position, and anything else of interest. We are a people friendly company and like to have fun while working. Google us.

Providing 70% savings on cable TV and Internet to skilled care, assisted and senior living properties coast-to-coast.

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WE’RE PROUD TO SALUTE AMERICA’S VETERANS AARP Tampa Bay salutes those who have served and still serve. We have the ability to support our veterans and their families through information on caregiving resources, community connections and more.

Get to know us this spring at the MacDill Air Force Base Air Fest where AARP is one of the sponsors.

Visit us May 11-13 and join the fun or go to www.aarp.org/TampaBay where you can learn more about what AARP is doing in your community.

Lifestyles After 50 • Tampa Bay • April 2018 • page 8

a IMPORTANT

Help! My Wife Is Having A Power Surge!

T

he formula for converting Fahrenheit to Celsius is quite simple: (°F - 32) x 5/9 = °C (and vice-versa). But it becomes more complicated in our household where we have two additional temperature readings: MCT (Mike’s Comfort Temperature) and that of my wife, Joy. The conversion formula here is: MCT – 25˚ = JCT. It all began the moment Joy had her first hot flash, or shall we say, power surge.

While dining with friends she asked, “Is it hot in here, or is it just me?”

As if on cue, the other four ladies left the table, leaving the Joy of my life to wonder whether she might be contagious. Shortly thereafter, they returned with their hands full of paper towels, wet napkins and one handheld paper fan.

They began regaling her with their personal antidotes for dealing with these episodes. Interestingly, the most successful one turned out to be the use of smelling salts.

I was soon to learn that “mood swing” was neither a golfing term nor a type of porch furniture.

Joy now sleeps on top of the bedspread. I sleep beneath two blankets and wear two pair of socks.

As recently as yesterday, I asked her “Honey, would you mind if I bump the thermostat up just three degrees?”

“Put a sweater on!” she blurted, her voice full of compassion.

FACT

IN REACHING THE

50+ MARKET: Travel AARP estimates Baby Boomers spend more than $120 billion annually on leisure travel. In Tampa Bay 48% of the 50+ market purchased airline tickets in the past 12 months,

One time, as Joy was resting, I was in a snuggle mood. I plopped down alongside her on the bed suggesting, “How ‘bout a hug?” Boy, was that terrible timing. In a flash she bolted upright, both arms extended in fending-off posture.

“For your own safety, step away from the woman! I repeat, step away from the woman!” The cats shot out of the bed and streaked down the stairs. I wisely followed suit.

Do all husbands go through this?

I’m going to ask my good friend Jim. We’ve invited him and his family to have Sunday dinner with us.

“Is there anything we should bring?” he asked.

“No, just bring yourselves.” I replied. “Wait! There is something you might bring.”

“Sure!” said Jim. “Dessert?”

“No!” I corrected. “Parkas.”

Michael Wright lives in an igloo in Mulberry.

You can console at micwrighthamo@gmail.com.

53% spent at least one night in a hotel room last 12 months and 45% took at least one trip last 12 months.

AARP reports that Baby Boomers aged 50+ are active travelers, anticipating four or five trips in the next year.

t The Village of Zephyrhills, we believe in ensuring your comfort. We have developed a carefree, age-restricted, veteranfriendly, active senior living community that has changed the paradigm of senior living.

With your convenience in mind, we offer modern units at affordable rates to ensure your comfort.

Whether we are hosting an event, solving transportation issues or making modifications of residents with disabilities, we are always focused on ways to improve the quality of life for our residents.

With a focus on convenient living amenities, The Village of Zephyrhills offers its residents carefree living in a well-kept, age restricted community. We host events and provide resources to help our residents enjoy life to the fullest. Our team of professionals is dedicated to providing senior citizens with a community that keeps them active and engaged. At The Village of Zephyrhills, we are not an ordinary community, rather we are driven by passion, love and care.

Why Choose The Village of Zephyrhills?

At The Village of Zephyrhills, we follow our core ethics and values to ensure that our clients are content and satisfied.

We believe in: • Offering senior citizens and veterans a carefree lifestyle.

• Modern units with interactive amenities to ensure active living.

• Professional staff to ensure satisfaction.

• Knowing all residents on a first name basis.Therefore, when residents move in the park, we welcome them to our community and make them feel right at home.

• Fostering a comfortable, safe and easygoing environment.

If you are looking for a place that feels like home, then contact us at 866-499-9026.

LA50 LifestylesAfter50.com

Our aim is to give you a new home that supports your active lifestyle Lifestyles After 50 • Tampa Bay • April 2018 • page 9

For more information, please visit GardenSolutions. ifas.ufl.edu

Lifestyles After 50 • Tampa Bay • April 2018 • page 10

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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 April 25th 2018 at the Lifestyles After 50 FunFest and Hurricane Preparedness to be held at the King’s Point Clubhouse, 1900 Clubhouse Dr., Sun City Center, FL 33573 • 9:30 a.m. to 2:00 p.m.

Bring this ad and receive a free energy-saving kit, made available through Tampa Electric’s Energy Education Outreach program.

Call Now for FREE Safety Upgrade Package!

1-855-249-6426 Lifestyles After 50 • Tampa Bay • April 2018 • page 11

National Decorating Month

SEEING PURPLE

Ultra Violet, Pantone’s Color of the Year

1

BY TERRI BRYCE REEVES

A

pril is National Decorating Month, a time to take stock in your surroundings and see what areas need improvement. Are there past decorating decisions you regret? Furniture and accessories that are outdated? Is a major makeover in store? Or a tweak?

Whatever you decide, consider Pantone’s Color of the Year: Ultra Violet. If you follow the latest trends, you may have noticed an uptick in the use of this blue-purple shade in clothing, home décor, makeup, kitchen appliances, watches, and more.

Each year, the folks at the Pantone Color Institute select a color they think reflects current events and popular trends. Pantone says that Ultra Violet speaks to the rebellion of cultural pop icons Prince (Purple Rain) and glam rocker David Bowie who died in 2016. It’s both complex and contemplative, futuristic, and the color of the cosmos.

Ultra Violet is not the shrinking variety. It can be used to create bold, energetic spaces; mystical spa-like settings, or, when muted, offer a calm escape from today’s over-stimulated world.

When decorating with more than one color, follow the 60-30-10 rule for the best results: 60 percent as the primary color, 30 percent as the secondary and 10 percent as the accent.

Here are some ideas to create a beautifully-styled room:

5 2

3

3. Muted hues can be used to create a serene, elegant refuge.

1. Vivid hues of purple breathe life and energy into a neutral room. Accessories such as pillows, throws and rugs are relatively inexpensive ways to update without a long-term commitment. Paintings can set a mood or express your personality.

2. Shades of violet bring a majestic presence to any table. Add green for a nature-inspired palette.

Lifestyles After 50 • Tampa Bay • April 2018 • page 12

4. Lavender-scented candles and violet towels can transform a bathroom into a relaxing home spa.

4

5. Floral arrangements are easy ways to update and renew. Lavender, heather and purple roses are trending right now.

STOP YOUR FOOT PAIN! Yes, You Can Feel Great About Your Feet Again!

W

Parting is Such Sweet Sorrow...For Some

hen it comes to spring cleaning—or spring clean out, the world seems to consist of two types of people: those practical types who are able to divest themselves of inanimate objects once they’ve outlived their usefulness, and those who would sentimentally cling to an old rubber band.

My husband is the latter. He has, what I like to call, a “discarding disorder.”

I should have recognized the red flag when we were first dating but I was too blinded by love.

He had proudly pointed out this anomalous antique breakfront which he trimmed down to occupy a small corner of his living room. It was a gift from his ex-mother-in-law and almost completely devoid of all charm and character after the reconstruction.

As I gazed at the not very attractive results, the nicest comment I could come up was, “Wouldn’t you have been better off buying something new?”

The little skirmishes continued over the years including a clash over “Holy Mustard Sauce!” a hole-filled, stained cardigan the color of French’s mustard that has lived long past its shelf life. I also lost the battle over the giant tortoise shell wall hanging, the hula girl lamp, and law books that probably haven’t been relevant since the turn of the century.

Not this century—the last one.

The most recent negotiation concerned a battered piece of furniture that had become nothing more than a dumping ground for other unnecessary articles (until his back was turned).

“But we’ve had it for such a long time. We can’t get rid of it just like that,” he said, unsuccessfully trying to snap his fingers.

“All the more reason to let it go,” I responded. “ I s n ’t t h e r e somewhere else we can use it?” he pleaded. “What if we cut off the legs and…”

“No,” I said abruptly. “No carpentry.”

“Maybe someone in the family can use it,” he said optimistically.

“Then we could at least have visitation rights.”

“Can’t think of anyone,” I replied.

“How about Aunt Sally?” he queried.

“That’s not practical. She moved to Alaska.”

“Oh, right.”

After working our way through immediate family members, first cousins, and second cousins once removed, I finally got him to agree.

I tripped and nearly fell over his favorite old wingtips (age unknown) as I rushed to the phone to call Goodwill. I needed to get there before he could figure out a way to turn that piece into a planter.

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

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Lifestyles After 50 • Tampa Bay • April 2018 • page 15

Book Review

AGING FAMOUSLY:

Review by KATHy MeGyeRi

A

Author: elizabeth Meade Howard Jefferson Park Press, 2017 349 pages

Readers, we’d love to hear your advice and tips for successful aging. Send your thoughts in 250 words or less to Terri@LifestylesAfter50.com before April 15. We may publish them in a future edition.

Follow Those You Admire to Living Long and Well

ward winning reporter, writer, documentary filmmaker and lecturer at the University of Virginia, Elizabeth Meade Howard, became the family elder after the death of her prominent father, a New York/Los Angeles advertising executive.

To cope with his loss and adjust to her new status, she spent a decade seeking guidance from seniors she respected for their resourcefulness, resilience, imagination, adaptability and above all, their successful aging.

Many were famous.

In her new book, Aging Famously, she’s cobbled together 33 intimate interviews from the likes of TV anchorman Walter Cronkite, actors Hal Holbrook, Carol Channing, Nanette Fabray and Dennis Weaver; former New York Mayor Ed Koch, reincarnation researcher Dr. Ian Stevenson, and theologian Bishop John Shelby Spong. Civil rights leader Rosa Parks adds brief thoughts as well.

Collectively, the interviewees were resourceful, engaged, purposeful and keenly aware of the passing of time. They continued their passions, explored new ones, focused on the future and overwhelmingly showed disdain for retirement – even as their health declined.

Said Himan Brown, a radio producer who had worked with many stars, “The minute you’ve retired, you’ve performed your funeral.”

Another recurring theme: Gratefully accepting life’s offerings and the accompanying pain. These people didn’t waste time wondering what might have been.

The cover of the book portrays the cupcake with a single lighted candle that President Obama gave to White House journalist Helen Thomas in 2009, for her 89th birthday. Interestingly, they shared the mutual birthdate of August 4. She died 4 years later at 92.

“Life is a gift,” Thomas had said. “Try to make the world better if you can.”

One stands in awe of Howard’s ability to obtain access to these celebrities and make them comfortable enough to bare their souls as she probed their innermost thoughts about old age and dying.

Howard personifies Henry David Thoreau’s advice that none are so old as those who have outlived enthusiasm. Although Howard’s own health is declining and she is losing friends and family, she embraces the words of her mentors and proclaims, “If they age well, I can too.”

PaiD aDVeRtiSement

When there’s a will, there’s always a way

by William R. mumbaueR, attoRney www.flwillstrustsprobate.com

A

reader asks: My mother, who was generous in life, is now being generous in death. I am named as Personal Representative in my mother’s Will. Her Will distributes her estate to a dozen or so friends in varying percentages, with all her gifts adding up to 100%. Unfortunately, three of my mother’s friends predeceased her. The young attorney handling my mother’s estate says that this won’t be a problem, but she is unable to explain clearly to me how she intends to mathematically calculate how the shares of the surviving beneficiaries will be augmented proportionately.

Response: Response: Don’t be to hard on the attorney as the situation you describe rarely occurs so it is doubtful that she has experienced this problem before. The problem practitioners more often encounter is where the Will distributes specific sums to beneficiaries but after the maker’s death many years later, the estate is without sufficient assets to fully satisfy all of the bequests. This situation is very common and it is a fairly simple and straight for-

ward mathematical computation to figure out how to reduce each beneficiary’s share on a pro rata basis.

However, in your situation, arriving at an augmented percentage to be distributed to each beneficiary is a bit more complex.

The following equation can be used to arrive at the augmented share for each surviving beneficiary: amt. of a particular sum of amt. of a pre- amt. by which surviving ben. ÷ amt.of each x deceased = a particular share surviving ben. share surviving ben. ben. share share is augmented Please feel free to share this equation with the attorney handling your mother’s estate.

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.

Please note: Mr. Mumbauer’s articles outline general principles of law and are they are not intended to apply to individual circumstances.

Lifestyles After 50 • Tampa Bay • April 2018 • page 16

Wills • Probate Living Trusts Power of Attorney Don’t put off estate planning any longer.

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www.flwillstrustsprobate.com The hiring of a lawyer is an important decision that should not be based solely upon advertisements.

Before you decide, ask the lawyer to send you free written information about his qualifications and experience.

Lifestyles After 50 • Tampa Bay • April 2018 • page 17

New Vaccine is the Latest Defense Against Shingles I

f you are 50 or older, talk to your doctor about a new shingles vaccine sold under the name of Shingrix. The Centers for Disease Control and Prevention previously recommended a vaccine called Zostavax, but now say Shingrix is the better option for most. The CDC’s Advisory Committee on Immunization Practices reports that clinical trials found the vaccine to be more than 90 percent effective in preventing shingles in those 50 and older.

Zostavax, on the other hand, is anywhere from 38 percent to 70 percent effective, depending on age. Those who have had shingles or previously got Zostavax can be vaccinated with Shingrix to prevent shingles and its complications.

Shingles, also known as herpes zoster, is caused by the varicella zoster virus (VZV), which also causes chickenpox. It’s a painful, blistering rash that can have lingering complications including postherpetic neuralgia, a pain that can last for months or years after the rash is gone. The risk of developing shingles increases with age with about 1 in 3 developing the disease at some point in their life.

The CDC’s recommendation of Shingrix will make it more likely that it will be covered by insurance but check ahead with your insurance company. Broad coverage is expected to take effect starting in April.

LEARN From The BEST

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Shawn is an Army Veteran with over 15 years of experience working in primary care settings and home-based therapy settings in the U.S., the United Kingdom, and Canada.

Shawn has counseled many families and individuals through stressful transitions. Her approach to treatment integrates aspects of many different therapeutic approaches, based on the unique needs of her clients and their situation. Shawn has received specialized training in the following areas, including grief, life transitions, care giver stress, posttraumatic stress, anxiety, depression, family systems, concurrent disorders, and chronic pain. Shawn is trained in several therapeutic modalities including: Cognitive Processing Therapy, Short Solution Based Counseling, Emotionally Focused Individual and Couple’s Therapy, Cognitive Behavioral Therapy, Cognitive-Behavioral Conjoint Therapy, Prolonged Exposure, Narrative Therapy, Play Therapy, Family Systems Therapy, Acceptance & Commitment Therapy (ACT), Mindfulness, and Suicide Prevention.

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Recipe Corner Ingredients: 2 pounds alligator wings 1/3 c. honey ¼ c. ketchup 2 Tbsp. olive oil 1 Tbsp. Dijon mustard 2 tsp. curry powder 2 cloves garlic, minced 1 tsp. salt 1/4 tsp. cayenne pepper olive oil for basting

Barbecue Curried Alligator Wings G

ator meat can be harder to find than an alligator in a muddy lake, but Julie Harter a.k.a. Lady Gator Trapper sells it (see related story), it can be found at specialty butcher shops, or you can consult florida-alligator.com/Alligator-Meat/Suppliers. This five-star recipe is from the Florida Department of Agriculture and Consumer Services.

Directions: • Place wings in a resealable plastic bag.

• Combine remaining ingredients in a small bowl. Pour mixture into bag over the wings, coating well. Seal the bag and marinate wings in refrigerator for 2 to 4 hours.

• Preheat grill to medium heat.

• Remove wings from bag and discard marinade.

• Place on grill or grill basket over direct heat and cook for 10 minutes, turning regularly. Brush with olive oil to keep moist if necessary.

• Cook for additional 10 minutes over indirect heat. When meat is cooked through and no longer pink, remove from grill and serve.

Do you have the greatest GrandKid? The GrandKids Are The Greatest Photo Contest is a great way to prove it. Plus , you and your GrandKid could win prizes.

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1st, 2nd, and 3rd place winner(s) photos will be published in our September Edition as we kick off our celebration of National Grandparents Day, Sunday, September 9th.

Lifestyles After 50 • Tampa Bay • April 2018 • page 20

LADY GATOR TRAPPER

By TERRI BRyCE REEVES

’T

is spring. The season when an alligator’s fancy turns to thoughts of love. According to the Florida Fish and Wildlife Conservation Commission (FWC), the courtship begins in early April and mating occurs in May and June.

This means alligators get restless and can wander into neighborhood retention ponds, backyards and pools where they usually aren’t welcome.

That’s when Julie Harter’s phone starts ringing.

As one of the state’s few female licensed nuisance alligator trappers, the five-foot, nine-inch brunette is on-call with the FWC 24 hours, seven days a week including holidays. Her territory covers East Hillsborough, from New Tampa to Sun City.

“It’s a lifestyle,” said the 56-year-old grandmother. “I’ll be cooking a family dinner and get a call and I just have to tell the family, ‘Sorry. Gotta go!’”

One time, she had to suspend a Mother’s Day dinner for two hours while she captured a nine-footer.

Harter said some people are in disbelief when a woman shows up to capture the gators. “Sometimes I play along and pretend I’m just a damsel in distress,” she said.

But when she fetches her catch pole, loops it around the hissing gator’s head, jumps on its back, wraps the snout with electrical tape, and drags the thrashing creature to her truck, well, they pretty much know she’s the real deal.

Her biggest catch was a 12-foot, eight-inch alligator that wandered into the backyard of a Tampa Palms neighborhood.

It was more than a nuisance.

“It had killed an 85-pound golden retriever,” she said.

An estimated 1.3 million gators occupy the state but alligators seldom bite people and fatalities from such occurrences are rare. Over the last 10 years, Florida has averaged six unprovoked bites per year that were serious enough to require professional medical treatment. The likelihood of a Florida resident being seriously injured during an unprovoked alligator incident is roughly one in 3.2 million. From 1948 to 2017, 24 bites resulted in human fatalities.

Amazingly, Harter has never been bitten. That could be because of the advice given to her by her trapper husband, Billy Harter, who trained her.

“He always told me, ‘Treat each one like it’s the first one you ever caught. Don’t get sloppy or complacent because that’s the one that’ll get you.’”

In 2003, he was killed in a tragic helicopter accident; she figured her trapping days were over. Then she got a call from the state asking her to apply to take over his trapping contract.

She already had the gear, the experience and the license, so she agreed. On her own she became known as the Lady Gator Trapper; Julie Harter with a seven-foot, seven-inch gator captured her license plate is personalized recently in a front yard pond in Thonotosassa. with the moniker.

Besides her trapping career, Harter has a flexible day job at Hope Services which helps people with disabilities find jobs. Prior to that, the Lakeland resident spent over 30 years with the Polk County school system as a certified special education teacher.

Harter catches over 200 gators a year.

Young alligators under four feet are released back into the wild. Over four feet and they’re headed for the processor.

This used to be a pretty lucrative gig back in the day when alligator hides could fetch $40 a foot, but the rise of alligator farming and permitted legal harvesting has driven prices down to $3 a foot. Meat prices have held at $10 per pound. Harter keeps some of the meat for herself and her family and sells some to restaurants and individuals.

“It’s really good. It’s a beautiful white meat that tastes like a mixture of chicken, pork and fish,” she said.

Since nuisance trappers don’t get paid by the state, there is little, if any, profit with the current market.

“I don’t do it for the money,” she said.

“I love what I do and consider it a service and a great privilege.”

See a recipe for gator wings in this issue. Those interested in purchasing alligator meat from Harter may reach her at ladygatortrapper@gmail.com.

Concerned abo u

t an

alligator ?

Call the Statew ide Nuisance All igator Program (SNAP) at 866-F WC-GATOR (86 6-392-4286).

SNAP uses cont ra

cted nuisance al ligator trappers throughout the state to remove alligators from where they are locations unwanted or un welcome. If a co meets the qual mplai ifying criteria, SN AP will issue a pe nt to a contracted rmit nuisance alligat or trapper auth removal of the orizing animal. In 2017 , SNAP received nuisance alligat 13,210 or complaints re sulting in the re 8,455 nuisance moval of alligators.

Lifestyles After 50 • Tampa Bay • April 2018 • page 21

Health

Allergies, Sneezing and Leaking, Oh My!

By SUE PERSIA pring allergy season is underway and so are the irrepressible sneezes that come with it. Some women know all too well that sneezing can lead to the uncontrollable release of urine known as urinary incontinence (UI). Some accept urinary incontinence as just a part of getting older or having given birth: “I just pee a little when I sneeze, cough or laugh.”

It is true that urinary incontinence is very common, affecting over 25 million people in the United States. The good news is that most cases of incontinence are treatable or very manageable.

As a women’s health therapist and pelvic floor specialist, it is my mission to help women move past the embarrassment often associated with urinary incontinence. If you notice that incontinence

S

causes you to avoid activities, limit social interactions, and even struggle to get a good night’s sleep, please discuss your symptoms with your doctor.

This article contains strategies that address common types of incontinence: urge and stress.

If you need support beyond the tips offered here, please contact your doctor or a women’s health therapist to discuss if pelvic floor therapy is right for you.

Strategies: Urge drills help decrease urgency until you find a restroom or may extinguish the urge completely. When

you experience a sudden urge, pause, breathe and stay calm. Now, perform five quick pelvic floor contractions with full relaxation between reps. A pelvic floor contraction is a lifting up and drawing in of the pelvic floor muscles as if trying to stop the flow of urine. Performing pelvic floor contractions quiets the bladder. Repeat as needed. The urge usually returns but with less intensity each time.

The pelvic brace helps decrease urinary leakage associated with physical exertion like lifting, coughing or sneezing. It is a well-timed contraction of the pelvic floor muscles immediately prior to stress or exertion.

To prepare for those critical moments, first practice the pelvic brace with no exertion. Once you feel more confident, try engaging this strategy with physical stress.

Start with a small cough and gradually progress until you are using this strategy with more functional activities such as lifting your grandchild or hitting a tennis ball. Eventually you will retrain the muscles to engage with unexpected stressors like a sneeze.

Sue Persia is a women’s health occupational therapist with advanced training in pelvic floor health. Visit her webpage at www.synergyrehabfortmyers.com for more information.

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High Blood Pressure: What You Need to Know T

here’s a new threshold for how we define hypertension among Americans. The numbers might surprise you.

For 14 years, blood pressures over 140/90 were diagnosed as hypertension. The American Heart Association and American College of Cardiology recently introduced new guidelines to improve blood pressure control and prevent cardiovascular disease.

Under these new standards, normal blood pressure is 120/80 or less, and hypertension is now considered when numbers are greater than 130/80. The change means more individuals, particularly seniors, will be diagnosed with hypertension. Some will receive recommendations for healthy lifestyle changes. Others will be prescribed medication to lower their pressure.

Here is some important information about the new guidelines.

Elevated Blood Pressure–Readings between 121-129/80 are considered elevated blood pressure.

These patients will be instructed to adopt a series of lifestyle changes.

Stages of Hypertension–Readings between 130139/80-89 are now classified stage 1 hypertension. If

your blood pressure is in this range, your provider will Exercise–Adults over 65 need at least 2.5 hours of assess your 10-year risk for cardiovascular disease. weekly moderate-intensity aerobic exercise. This can This risk is calculated using your age, weight, wheth- include brisk walking, bicycling, tennis and ballroom er you smoke and if other dance. In addition, you health conditions exist like should spend 2 hours diabetes. If your 10-year a week strengthening Heart disease risk is less than 10%, lifemuscles using weights remains style changes will be recor resistance equipment Americans’ ommended. If your risk is Losing Weight–Inleading cause greater, medication will be creasing exercise can of death. By prescribed to lower presbe a big step toward remonitoring your ducing weight but disure. blood pressure Stage 2 hypertension etary changes are also and getting it begins at 140/90 or highneeded. The DASH diet er. At this level, lifestyle (Dietary Approaches to under control early, you will improve your changes and blood presStop Hypertension) is heart health and life outcomes. sure-lowering medication a good choice. It prois prescribed. motes increasing fruits, Lifestyle Changes–There are several lifestyle vegetables, whole grains, low-fat dairy, fish, poultry modifications you can make to naturally lower your and nuts. blood pressure. These include increasing exercise, losReducing Salt–DASH also endorses reducing ing weight, lowering dietary salt, decreasing alcohol salty foods. Dietary guidelines recommend a daily intake and quitting smoking. Consult with your pri- sodium intake of no more than 1,500mg. Reading labels is key. mary care provider to develop a plan.

Amber Watson is a MinuteClinic nurse practitioner inside select CVS Pharmacy stores in Hillsborough, Pasco and Pinellas counties.

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For Exhibitor Information Call 813-653-1988 Lifestyles After 50 • Tampa Bay • April 2018 • page 23

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An Update On Rabies Dr. rochelle campbell

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here have been several recent cases of Rabies reported recently in the Tampa Bay area. Rabies is typically fatal in warm-blooded animals (including humans) and is caused by a Lyssavirus. It is spread most commonly through the bite of an infected mammal.

Raccoons, bats, skunks and foxes are very susceptible to Rabies and exposure to these species is considered a risk factor for Rabies. In the U.S, cats are the most commonly reported rabid domestic species.

Rabies is most commonly transmitted through the saliva of an infected animal after it bites its victim.

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vaccination. Also, avoid interactions with highly susceptible animals, such as raccoons, bats and stray cat colonies and do not allow feeding or mingling of these animals with your personal pets.

Rabies is a very serious illness and should not be taken lightly. However, applying good common sense and general awareness will help keep you and your pets safe!

Boyette Animal Hospital is proud to provide your pets with the highest quality of treatment and care from nine veterinarians and a devoted staff. To make an appointment, please call (813) 671-3400 or visit us online at www.BoyetteAnimalHospital.com.

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Lifestyles After 50 • Tampa Bay • April 2018 • page 24

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2. Use your new card. Doctors, other health care providers, and plans

Turning 65 soon?

Start planning ahead. Once Medicare eligibility begins, you’ll have a 7-month Initial Enrollment Period to sign up. For most people, this is 3 months before, the month of, and 3 months after their 65th birthday. If you don’t sign up at age 65 and then decide to enroll later, you may pay a lifetime late enrollment penalty and you may have a gap in medical insurance coverage. There are exceptions, but play it safe, and ask your Medicare or Social Security representative about your personal situation.

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approved by Medicare know that Medicare is replacing the old cards. They are ready to accept your new card when you need care.

3. Beware of people contacting you about your new Medicare card and asking you for your Medicare Number, personal information, or to pay a fee for your new card. Remember the new cards are free. Treat your Medicare Number like you treat your Social Security or credit card numbers.

Medicare will never contact you uninvited to ask for your personal information.

• It is accurate and easy. E-file software helps taxpayers avoid mistakes by doing the math. The software uses a question-and-answer format that makes doing taxes easier.

• It is secure. E-file uses modern encryption technology to protect tax returns.

• It is convenient. Taxpayers can buy commercial tax software to e-file right from their home computer. They can also ask their tax preparer to file their tax return electronically.

• Most e-filers get their refunds faster. The fastest method for a taxpayer to get a refund is to combine it with a direct deposit.

• It’s often free. Many taxpayers can e-file for free through IRS Free File available at www.IRS.gov. Volunteer Income Tax Assistance offers free tax preparation to people who generally earned $54,000 or less. Tax Counseling for the Elderly generally helps people who are age 60 or older.

• There are several options for making payments. Visit www.IRS.gov/payments for information on payment options.

CY

eginning in April and continuing through April 2019, the Centers for Medicare & Medicaid Services (CMS) will begin mailing out new Medicare cards. Cards will be sent out to select states in waves. Here in Florida, these cards should start arriving sometime after June.

Instead of a Social Security Number, the new card will have a unique Medicare number. This is designed to deter the theft of Social Security numbers, help protect identities and keep personal information more secure. Medicare coverage and benefits will stay the same.

Medicare will automatically mail new cards at no cost to the address on file with the Social Security Administration. So, make sure your address is up-to-date.

An address can be updated easily by signing in to or creating an account at ssa.gov/myaccount or by calling 1-800772-1213. TTY users can call 1-800-3250778.

Here are the top six reasons why taxpayers should file electronically in 2018:

24/

B

or taxpayers who still file a paper return, consider switching to e-file. The IRS expects 90 percent of individual taxpayers to file electronically in 2018. Choosing e-file and direct deposit for refunds remains the fastest and safest way to file a complete and accurate income tax return and receive a refund.

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Lifestyles After 50 • Tampa Bay • April 2018 • page 25

Film

The Miracle Season

By MARK HIGLEy The book The Miracle Season took its author, Kathy Bresnahan, four long, tear-filled years to write. In it, the former volleyball coach at Iowa City West High School, tells the inspirational story of 17-year-old volleyball player Caroline Found who was killed in a moped accident on the way the hospital to visit her terminally ill mother.

Her death, followed by that of her mother’s 12 days later, devastated her family and the Iowa community. It also sent her high school volleyball team into a nosedive – they lost their spirit, focus, and motivation to win.

Now the motion picture by the same name is set to release April 6. The PG-rated film stars Academy Award winners Helen Hunt as team coach and William Hurt as Caroline’s father. The role of Caroline is played by up and comer Danika Yarosh; Erin Moriarty and Tiera Skovbye are teammates who help rally the squad.

As the “setter” and leader of her team, Caroline or “Line,” as her friends called her, was the captain, the

star player, the one who had rallied her team to one state championship – then planned for another. In a scene from the movie, Caroline hops on the moped, flashes her infectious smile and tells Kelly, “This is our year, Kel!” After her tragic death, the tough love coach (Hunt) presses the girls to pull together and find a way to win.

“I told you to win for Caroline,” she tells her girls, “but if we want to show her how much we miss her, we should just play, for joy.”

“Live Like Line” becomes the team mantra which honors Line’s acts of kindness and her amazing spirit and accomplishments.

The movie is directed by Sean McNamara, who had also directed Helen Hunt in Soul Surfer. And if The Miracle Season feels as though it’s similar in tone to the inspirational high school movie, Friday Night Lights, it may be because both screenplays were written by David Aaron Cohen.

Hurt has also worked with McNamara -- the two just completed the action adventure fantasy film The

Helen Hunt (as Coach Kathy Bresnahan) advises the team King’s Daughter, which is to be released later this year.

If you’re looking to take the grandchildren to a motivational movie that shows how resilience and determination pay off and how hope and optimism can trump tragedy, then this one should score big.

Chances are, those grands may be cheering “Live Like Line” as they walk out of the theater.

Mark Higley is an Emmy award-winning screenwriter who has written for many soap operas including One Life to Live and Days of our Lives.

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Lifestyles After 50 • Tampa Bay • April 2018 • page 26 PRI18301_Lifestyle_After_50_Senior_Special_v2.indd 1

3/9/18 12:11 PM

Happy Birthday to those born in April!

Michelle Pfeiffer 60 on April 29

Barbra Streisand 76 on April 24

CAUTION: Not All Tax-Free Bonds are the Same

e Jessica Lang 0 2 l ri p 69 on A

by DaviD Novak

on Jack Nichols 2 2 l ri 81 on Ap April’s flower is: the Daisy or Sweet Pea April’s birthstone is: The diamond, a symbol of everlasting love

Alec Baldwin 60 on April 3

Ashley Judd hits the Big Five-Oh! on April 19

One in Four Children in Tampa Bay Are Hungry.

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If there is one constant I have found to be true across the board with investors, it is that they don’t like paying taxes. Clients are always searching for ways to minimize or eliminate their tax obligations.

Along these lines, tax-free municipal bonds have always been soughtafter because of their ability to generate income that is exempt from federal taxes. When considering their tax-free options, I am frequently asked which structure is better to own, municipal bond mutual funds, or the individual bonds themselves.

The short answer is that there are benefits and drawbacks to both. Let’s look at how they each stack up in a few key areas: DIVERSIFICATION—This is an area where the bond mutual funds have an advantage. Most municipal bond funds own hundreds of different bonds, so an owner has exposure to different types of bonds (general obligation, revenue, etc.), but also different municipalities and different maturities.

Obviously if investors choose to buy individual bonds, the onus is on them to construct a diversified portfolio.

LIQUIDITY—Open-end bond mutual funds are liquid on a daily basis; like any other open-end mutual funds, they can be bought or sold

at the closing net asset value for the day. Furthermore, an investor buying $5,000 of the fund gets the same price as one who buys $50,000 of the fund. When buying individual municipal bonds, an investor often faces a certain investment minimum, which can be anywhere from $10,000 to $25,000, and sometimes even higher. Also, if the bond needs to be sold prior to its maturity date, an investor may be disappointed in the price they get. This is because they are more than likely selling to an institution, for which a face amount of $50,000 or even $100,000 is considered to be a small amount and therefore only worthy of a “low ball” bid.

INCOME—Most individual bonds pay interest semi-annually at a fixed amount based on the bond’s coupon. By contrast, most bond funds pay interest every month, and do not pay a fixed amount; it will fluctuate with the general level of interest rates in the economy. Additionally, many investors choose to reinvest this monthly dividend back into the fund to have this money continue working for them, rather than just sitting in a cash account.

As there is much more to discuss on this topic, we will continue with Part 2 next month.

David Novak, CFP® is a Certified Financial Planner™ at Novak & Powell Financial Services in Pinellas County.

Please note: he is not an attorney and this article should not be construed as one offering legal advice.

For information about investment decisions and financial planning, contact him at (727) 451-3440.

Lifestyles After 50 • Tampa Bay • April 2018 • page 27

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Lifestyles After 50 • Tampa Bay • April 2018 • page 28

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Lifestyles After 50 • Tampa Bay • April 2018 • page 29

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Lifestyles After 50 • Tampa Bay • April 2018 • page 30 26

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28. Carrier 29. “...making __ and checking it twice...”

30. Four and five 31. Receiver 32. Instant 33. __, Germany 35. “Nonsense!”

38. Certain sandwiches 39. Cut of beef 41. Bakery purchase 42. Coconut bearer 44. One of the Apostles 45. Electricians 47. Star in Cygnus 48. __ out; solve 49. Norse deity 50. Stood 52. 2nd word in a fairy tale 53. Late Communist leader 54. Skin mark 55. Heavy book 59. Calif.’s neighbor

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SOCIAL SECURITY BENEFITS For Over 35 Years!

#5110

CROSSWORD PUZZLE 1

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#5110 Denied Benefits?

Unable To Work?

CROSSWORD PUZZLE

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(844) 801-6145 Bill Gordon & Associates, a nationwide practice, represents clients before the Social Security Administration. Member of the TX & NM Bar Associations. Mail: 1420 NW St Washington D.C. Office: Broward County, FL. Services may be provided by associated attorneys licensed in other states. * The process for determining each applicant’s disability benefits varies greatly, and can take upwards of two years.

Seniors getting Together Women Seeking men 4805 - ARe YoU oUT THeRe? Need man, 70’s, LTR, believes in God. No smoking, drinking, drugs, not a player, some church, travel, beach, dancing, flea markets. I am blonde, blue eyes, 5’5”. Hurry. Largo/ Clearwater.

4799 - SWF Looking FoR LoVe & ComPAnionSHiP. 72, 5’2”, NS, SD, slim, fit, easy going. Enjoy walks, exercise, trips, music, romance, dancing, caring and sharing. Seeking honest, kind, fun man.

Pinellas County.

4810 - Looking FoR LoVe. I am a 75 YO, WW, looking for LTR & TLC. Love country music dancing and taking walks. I am retired from nursing. Would like to meet SWM, 75-77 YY, 5’11” to 6’2” in New Port Richey-Hudson area. Send phone number.

4807 - ReTiReD WiDoW, 68, seeking active man for LTR. Enjoy cooking, dining out, movies, traveling and cruises. I am 5’3”, 125 lbs., blonde hair and green eyes.

Prefer Clearwater area.

4806 - Looking FoR mY SoULmATe. 70+, NS, ND, NDrg, no players. Only LTR to enjoy rest of our lives together. Travel, beach, dancing, church, state parks, sunrise, sunset. Hurry. DWFC. Largo/ Clearwater.

4802 - Looking FoR LADieS To TRAVeL. I am W, 74, healthy and can walk good, to join me on a bus trip in the fall. I live in Largo.

4801 - 66F, Seeking m/F FRienDSHiPS. Among metaphysical like-minded people for group meditations, get togethers, and raising our consciousness. I am into astrology, tarot, crystals, etc. Tampa area.

4796 - WAnTeD - Looking for a Christian man who loves the Lord Jesus and goes to church and is a kind person. Ages 55-75 years old.

4789 - DeSPACiTo. 71 yrs, WH waiting for a Christian man. NS, LD, 63-76, financially stable like me. ISO dating and to form a serious relationship. Likes movies, TV, walks on beach.

4793 - Looking FoR A mATe. I am 68, widow, W, LTR, NS, ND. I am a country girl, likes country music, slow dancing, gospel,

folk, music of the 50s and 60s, eat out, wild life, travel, artwork, exercises, 68-73.

Please write, send pictures. Duette.

4794 - neW YeAR - neW BoW! Petite brunette, JWF, active HWP, NS, loving, caring, born/NY, raised/FL, substitute teacher part time, enjoys travel, dining out, movies, theatre, long walks, mid sixties, seeking WM, 60s or 70s, FF then LTR. Clearwater.

4795 - SWF Seeking SWm. 70-80s for lasting relationship. Widow, active and enjoy most things. Let’s meet for coffee.

Live in Pasco area. NS, ND. Send telephone number.

4780 - DAmSeL in DiSTReSS. Still looking! 74 YO, WF, 5’7”, attractive, slim, blonde, grey eyes, romantic. Physically fit.

ISO SWM, Brandon/Tampa areas for LTR and companionship. I am romantic and openly affectionate. Enjoy social and quiet times.

4782 - WiDoWeD WF. Would like to meet WM, NS, SD who enjoys dancing, movies, dining out, music and just enjoying life.

Prefer someone in 70’s or early 80’s. New Port Richey or Pinellas areas.

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.

4792 - WWm, 74, LiBRA, looking for German lady, 68-76. Let’s meet for coffee, talk and learn about each other. St. Petersburg area.

4791 - WRiTe ToDAY - FUn TomoRRoW. SWm, 70, retired, seeking SWF, NS, slender, HWP, friends, companion and more. 60s, free and ready to enjoy life, lunch, daytrips, movies, romance. End the solo life! The future awaits. Largo area.

4784 - ReTiReD WiDoWeR. Seeking 70’s-80’s active lady for LTR. Only physically fit. Enjoys dining out, travel, plays, shows, comedy. 5’3”. Tampa, Clearwater.

4785 - Don’T Be SHY. 70’S, 5’7”, 165, m, seeking lady who is not afraid to say yes, not afraid to say no, not afraid to have a good time, not afraid of the bedroom, not afraid to have quiet times and not afraid to say see you next year. Madeira Beach.

4674 - SingLe WHiTe mALe. Active, great SOH, likes beach, lunches, cruises. Looking for companion to share & discover each other, looking for romance & relationship, age 72, physically fit, likes to cook & quiet times.

To PLACe An AD: Send your ad, stating what edition(s) you would like it placed in, along with a $6 fee for 30 words (25¢ for each additional word, abbreviations not charged) to the News Connection USA, Inc. address listed below. Ads received by the 15th of the month will appear in the following issue.

To ReSPonD To An AD: Write a letter to the person you want to contact. Place that letter in a stamped envelope and write the ad # on the bottom left hand side of the envelope. Place your stamped, numbered envelope(s), along with $2 for each letter enclosed, into another envelope and address it to: News Connection USA Seniors Getting Together P.O. Box 638, Seffner, FL 33583 CommonLY USeD ABBReViATionS: F-Female, M-Male, S-Single, D-Divorced, WWWidow, A-Asian, B-Black, H-Hispanic, I-Indian, W-White, C-Christian, J-Jewish, YO-Years Old, YY-Years Young, ISO-In Search Of, SOH-Sense Of Humor, SM-Smokes, S-Light Smoker, NSNon Smoker, ND-Non Drinker, SD-Social (Light) Drinker, DR-Drinks, NDrg- No Drugs, LTR-Long Term Relationship, HWP-Height & Weight Proportional, R-Retired, P-Professional, FF-Friendship First, TLC-Tender Loving Care.

Seniors Getting Together

Personal Ad Placement only $6 per month!

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

MArk The edITIOn(s) YOu WOuLd LIke TO run YOur Ad In: ❍ Tampa Bay & Suncoast (Hillsborough/Pinellas/Pasco) ❍ Lake/Marion/Sumter ❍ Southwest & Sarasota (Lee, Charlotte/Manatee)

Ad Copy ••• PLeAse PrInT neATLY ••• 30 Word Limit men Seeking Women

TITLE:

(First 4 Words)

4803 - no goLD DiggeRS. Want slim lady, 60-80. I am 69. Live in Holiday, like BBQ, fishing, hot tub and back yard fires with glass of wine or coffee. Please write and send telephone number.

4804 - DWm, ReTiReD. Age 69, 5’9”, 180 lbs, brown hair, blue eyes. Likes walking, movies, dogs, flea markets, yard sales.

Irish-German seeking female for LTR. Tampa.

4808 - eASY To geT ALong WiTH. Attractive, DWM, NS, 70’s, 5’10”, 170lbs, romantic, honest. Likes travel, exercise, movies, concerts, dining out. Looking for an attractive, good hearted lady for LTR. Dunedin.

CITY:

(No Charge)

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

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

Name: Address: City: Phone:

State:

Zip:

Email:

MAIL TO: ATTN. / SENIORS GETTING TOGETHER NEWS CONNECTION, USA, INC. • PO BOX 638, SEFFNER, FL 33583 Lifestyles After 50 • Tampa Bay • April 2018 • page 31

SPECIAL VALUES for guests ages 55+

breakfast starting at

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