York County Edition
October 2012
Vol. 13 No. 10
Finding Laughs Between Sorrows Local Theater Vet and Writer Takes on Troubled First Lady By Katie Weeber For years, Central Pennsylvania has been home to a thriving community of artists, musicians, and actors, providing residents with ample opportunity for entertainment and cultural experiences. One member of this community is Candace O’Donnell, who has performed at numerous local theaters and has recently completed a year-long project of researching and writing a monologue for Mary Todd Lincoln. O’Donnell will be performing Mary Todd Lincoln: Much Madness is Divinest Sense at the Ware Center in November of this year. O’Donnell has performed throughout the county at venues such as the Fulton Opera House, Dutch Apple Dinner Theatre, Rainbow Dinner Theatre, Sight and Sound Theatre, Theater of the Seventh Sister, Sharadin Bigler Theatre (Ephrata Performing Arts Center), and the Brossman Theater. She also appeared in a Smilebuilderz dental commercial and in the independent film Another Harvest Moon. She has been on the board of directors for several local theaters, including that for the Fulton Opera House guild. For most of O’Donnell’s life, however, theater was not her main focus. “I probably had more of an interest in writing before I got into the theater,” she said. Growing up in St. Louis, Mo., O’Donnell showed an early aptitude for English and writing. This talent was fostered by encouraging teachers, including one who took a poem O’Donnell had written and submitted it to the local paper. Shortly thereafter, O’Donnell’s work was in print. please see LAUGHS page 22 Candace O’Donnell (in the period guise of Mary Todd Lincoln) will reveal a rarely seen lighter side of the first lady’s eventful life when she presents her monologue Mary Todd Lincoln: Much Madness is Divinest Sense at Millersville University’s Ware Center next month.
Inside:
Create a Great Funeral Salute to a Veteran: ‘After you, Mr. Lindbergh’ Day page 21 page 12
LANC., PA 17604
PERMIT 280
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Older But Not Wiser
Bald and Kind of Beautiful Sy Rosen was standing on line at the bank and noticed that all four men in front of me were bald, and the row of round, gleaming heads seemed kind of funny to me. I know it’s creepy, but secretly laughing at other people is one of my small pleasures in life. There was a young guy with a full head of hair standing behind me and I decided to share the joke, whispering, “I feel like I’m in a bowling alley.” The young guy smiled and then said, “I guess that happens when you guys hit a certain age.” We were two compadres, sharing a private laugh, when suddenly the words “you guys” registered. And then I did a double take. Actually, if I were drinking water, it would have been a spit-take worthy of Milton Berle. Was my former compadre saying I was also bald? But I wasn’t bald. Or was I? I hadn’t looked at the back of my head in an awfully long time.
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I anxiously continued my business at the bank. I was tempted to turn around and ask the teller if I was bald. However, I really didn’t want to call attention to myself. And who knows, maybe the bank has a special service charge for telling someone if they’re bald—they have charges for everything else. So I went home and used the double-mirror technique to look at the back of my head. And sure enough, there was fairly large bald spot back there. It was like a large, pink grapefruit-juice stain on a gray carpet. I felt like I was punched in the stomach—I suddenly realized that I looked older than I thought I did. It was reminiscent of the first time I was given, unasked for, a senior discount. My first thought was that I was being punished for making fun of those other
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bald guys. But that was silly. My hair couldn’t fall out because of a bad joke. If that were the case, I would have been completely bald years ago. My second thought was to change the term bald to balding. That little “ing” made me feel somewhat better. I wasn’t quite bald yet. Of course, balding is an active word and it meant the spot was growing, spreading, taking over my head. My third thought was to fix the problem. I researched hair transplants, hair thickening, laser therapy, herbs, wigs, the Donald Trump combover, and that spray that kind of looks like you’re putting shoe polish on your head. I even thought of turning to religion. I’m a Reform Jew, but if I became Orthodox, I would always wear a yarmulke—hiding my bald spot.
OK, I realized I was going a little crazy. I also realized, during my research, that baldness isn’t necessarily a sign of getting older. There were many young people who were bald (and that made me happy). And also, there were some really goodlooking bald men. There was Bruce Willis and there’s uh, Bruce Willis, and did I mention Bruce—OK, I can’t think of anyone else right now, but I’m sure there are lots of them. Anyway, I just decided to accept my situation. I wish I could say I learned some moral lesson about all this—don’t make fun of people because it will come back and bite you. However, the following week I was again at the bank and this time the four guys in front of me all had long, shaggy hair. I turned to the man behind me and whispered, “I feel like I’m at the Westminster Dog Show.” And we both laughed (yes, I know it’s sad).
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Overweight Women Face Increased Risk of Breast Cancer Recurrence Extra pounds—even within the overweight but not obese range—are linked to a higher risk of recurrence of the most common type of breast cancer despite optimal cancer treatment, according to a new study. The study’s results suggest that extra body fat causes hormonal changes and inflammation that may drive some cases of breast cancer to spread and recur despite treatment. Women who are obese when they are diagnosed with breast cancer have an increased risk of dying prematurely compared with women of normal weight. In this new study, Joseph Sparano, MD, of the Albert Einstein College of Medicine’s Montefiore Medical Center in Bronx, N.Y., and his colleagues across the U.S. cancer cooperative groups
compared the health issues. health outcomes As a result, of obese and researchers overweight were able to patients with disentangle the others in a large influence of group of women obesity from with stage I-III other factors breast cancer who affecting had participated cancer in three National recurrence and Cancer Institutesurvival. sponsored The October is treatment trials. researchers Breast Cancer All of the trials found that Awareness Month required increasing participants to body mass have normal heart, kidney, liver, and index—a measure of the body’s fat bone marrow function, thereby content—significantly increased excluding patients with other significant women’s risk of cancer recurrence and
death, despite optimal treatment, including chemotherapy and hormonal therapy. There was a stepwise relationship between increasing body mass index and poor outcomes only in women with hormone receptor-positive breast cancer, the most common type of breast cancer that accounts for approximately twothirds of all breast cancer cases in the United States and worldwide. “We found that obesity at diagnosis of breast cancer is associated with about a 30 percent higher risk of recurrence and a nearly 50 percent higher risk of death despite optimal treatment,” said Sparano. “Treatment strategies aimed at interfering with hormonal changes and inflammation caused by obesity may help reduce the risk of recurrence.”
Resource Directory This Resource Directory recognizes advertisers who have made an extended commitment to your health and well-being. Adult Day Centers SeniorLIFE (814) 535-6000
Eye Care Services Leader Heights Eye Center (717) 747-5430
Animal Hospitals Community Animal Hospital Donald A. Sloat, D.V.M. (717) 845-5669
Hakes Home Furnishings (717) 767-9068
Automobile Sales/Service Gordon’s Body Shop, Inc. (717) 993-2263
Gastroenterology Associates of York (717) 484-2143
Stetler Dodge (717) 764-8888 Cremation Auer Cremation Services of PA (800) 722-8200 Dry Cleaners Hanna Cleaners (717) 741-3817 Energy Assistance Low-Income Energy Assistance (717) 787-8750 Entertainment Dutch Apple Dinner Theatre (717) 898-1900 www.50plusSeniorNewsPA.com
Furniture
Gastroenterology
Healthcare Information PA HealthCare Cost Containment (717) 232-6787 Home Care Services Visiting Angels Living Assistance Services (717) 751-2488
Pharmacies CVS/pharmacy www.cvs.com West York Pharmacy (717) 792-9312
Elm Spring Residence (717) 840-7676
Physicians
Housing Assistance Housing Authority of York (717) 845-2601
Alzheimer’s Information Clearinghouse (800) 367-5115
Property Tax/Rent Rebate (888) 728-2937
American Diabetes Association (800) 342-2383
York Area Housing Group (717) 846-5139
CONTACT Helpline (717) 652-4400
Insurance – Long-Term Care Apprise Insurance Counseling (717) 771-9610 or (800) 632-9073
Social Security Information (800) 772-1213
York ENT Associates (717) 843-9089
Housing/Apartments
Health & Medical Services Alzheimer’s Association (717) 651-5020
The National Kidney Foundation (800) 697-7007 or (717) 757-0604
Otolaryngologists
M. Nazeeri, M.D., P.C. (717) 270-9446 Services York County Area Agency on Aging (800) 632-9073 Veterans Services Lebanon VA Medical Center (717) 228-6000 (800) 409-8771
Orthotics & Prosthetics Ability Prosthetics & Orthotics, Inc (717) 851-0156
Not an all-inclusive list of advertisers in your area.
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Savvy Senior
How to Spot and Get Help for Depression
Corporate Office: 3912 Abel Drive, Columbia, PA 17512 Phone 717.285.1350 • Fax 717.285.1360 Chester County: 610.675.6240
Jim Miller
Cumberland County/Dauphin County: 717.770.0140 Berks County/Lancaster County/ Lebanon County/York County: 717.285.1350 E-mail address: info@onlinepub.com Website address: www.onlinepub.com
Dear Savvy Senior, Where can I find help for depression? My husband, who’s 68, has become lethargic and very irritable over the past year, and I’m concerned that he’s depressed. – Worried Wife
PRESIDENT AND PUBLISHER EDITORIAL MANAGING EDITOR Christianne Rupp EDITOR, 50PLUS PUBLICATIONS Megan Joyce
ART DEPARTMENT PROJECT COORDINATOR Renee McWilliams PRODUCTION ARTIST Janys Cuffe
BUSINESS DEVELOPMENT
CIRCULATION PROJECT COORDINATOR Loren Gochnauer
ADMINISTRATION BUSINESS MANAGER Elizabeth Duvall Member of
Awards
Winner
50plus Senior News is published by On-Line Publishers, Inc. and is distributed monthly among senior centers, retirement communities, banks, grocers, libraries and other outlets serving the senior community. On-Line Publishers, Inc. will not knowingly accept or publish advertising which may be fraudulent or misleading in nature. Views expressed in opinion stories, contributions, articles and letters are not necessarily the views of the publisher. The appearance of advertisements for products or services does not constitute an endorsement of the particular product or service. The publisher will not be responsible for mistakes in advertisements unless notified within five days of publication. On-Line Publishers, Inc. reserves the right to revise or reject any and all advertising. No part of this publication may be reproduced or reprinted without permission of On-Line Publishers, Inc. We will not knowingly publish any advertisement or information not in compliance with the Federal Fair Housing Act, Pennsylvania State laws or other local laws.
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Recognizing Depression Everyone feels sad or gets the blues now and then, but when these feelings linger more than a few weeks, it may be depression. Depression is a real illness that affects mood, feelings, behavior, and physical health, and contrary to what many people believe, it’s not a normal part of aging or a personal weakness, but it is very treatable. It’s also important to know that depression is not just sadness. In many seniors it can manifest as apathy, irritability, or problems with memory or concentration without the depressed mood. To help you get some insight on the seriousness of your husband’s problem, here’s a rundown of the warning signs to look for:
National Depression Screening Day: October 11
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ACCOUNT EXECUTIVES Karla Back Angie McComsey Jacoby Valerie Kissinger Ranee Shaub Miller Lynn Nelson Sue Rugh SALES AND EVENT COORDINATOR Eileen Culp
Dear Worried, Unfortunately, depression is a widespread problem among U.S. seniors, affecting approximately 15 percent of the 65-and-older population. Here’s what you should know, along with some tips and resources for screening and treatments.
A good resource for identifying depression is Mental Health America (www.depressionscreening.org), a national nonprofit organization that offers a free online depression screening test. This test takes just a few minutes and can help determine the severity of your husband’s problem.
medical causes. Some medications, for example, can produce side effects that mimic depressive symptoms—pain and sleeping meds are common culprits. It’s also important to distinguish between depression and dementia, which can share some of the same symptoms. If he’s diagnosed with depression, there are a variety of treatment options, including talk therapy, antidepressant medications, or a combination of both. Cognitive behavioral therapy (CBT) is a particularly effective type of talk therapy that helps patients recognize and change destructive thinking patterns that lead to negative feelings. For help finding a therapist who’s trained in CBT, ask your doctor for a referral, check your local yellow pages under “counseling” or “psychologists,” or check with the Association for Behavioral and Cognitive Therapies (www.abct.org) or the Academy of Cognitive Therapy (www.academyofct.org). Another treatment worth mentioning is a relatively new procedure called transcranial magnetic stimulation (TMS). This FDA-approved treatment uses a small electromagnet placed on the scalp right behind the left forehead and delivers a tiny electric current to the part of the brain linked to depression. TMS is currently available in about 420 psychiatrist offices around the country (see www.neurostartms.com) and is very effective for older patients.
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Donna K. Anderson
• Not eating or eating too much • Thoughts about dying or suicide
• A persistent feeling of sadness • A lost interest in hobbies or activities that were previously enjoyed • Feelings of guilt, worthlessness, or hopelessness • Trouble concentrating, remembering, or making decisions • Feeling anxious, restless, or irritable • Loss of energy or motivation • Inability to sleep or sleeping too much
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There’s also National Depression Screening Day, which is coming up on Oct. 11. Sponsored by Screening for Mental Health, this is a completely free service that provides depression screenings by mental health professionals at hundreds of locations across the country. The test takes fewer than 15 minutes to complete and is available to people of all ages. To find a site near you, visit www.helpyourselfhelpothers.org. Also be aware that Medicare now covers annual depression screenings as part of their free Welcome to Medicare visit for new beneficiaries and free annual wellness visits thereafter. Get Help If your husband is suffering from depressive symptoms, he needs to see his doctor for a medical evaluation to rule out possible
Savvy Tip: The National Institute of Mental Health offers a variety of free publications on depression that you can order at www.infocenter.nimh.nih.gov, or call (866) 615-6464. Jim Miller is a regular contributor to the NBC Today show and author of The Savvy Senior Book. www.savvysenior.org.
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Fragments of History
When Christopher Columbus Discovered … Popcorn Victor M. Parachin hen Christopher Columbus explored the New World, he and his crew purchased popcorn necklaces from natives in the West Indies. American Indians seem to have perfected the art of popping corn. They differentiated between sweet corn, to be consumed by humans, and field corn, suitable for feeding to animals. Then there was what has come to be called “Indian corn,” which pops. Not all corn is capable of popping. The ideal corn kernel needs a composition of at least 14 percent water content so that under heat, the water expands to steam, causing the nugget to explode into a puffy white mass. Here are some other fascinating food facts.
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First breakfast cereals. The first cereal sold as a breakfast food was called Granose and was introduced in February 1895 by John Harvey Kellogg. Working with his brother, Will Keith Kellogg, the Battle Creek, Mich., brothers boiled wheat, had it machine pressed into a thin film, cut it up, and sold the pieces as flakes in 10-ounce packets. John Harvey developed other cereals, including the first granola, which he made by grinding up cakes of wheat, oatmeal, and cornmeal. He introduced it in 1898, but granola was initially unsuccessful. Kellogg’s chief competitor was Charles William Post, who produced Grape Nuts in 1897, Post Toasties in 1916, and Post Bran in 1922. The world’s most expensive food is saffron, a yellow-colored spice. At $2,000 per ounce, it is commonly sold in very small amounts, usually about .002 ounce. The high price tag is due to the complicated and time-consuming way of obtaining saffron. It comes from the inside of purple crocuses, which are small bulb plants that flower in the spring. To make just 1 pound of saffron, some 70,000 to 250,000 flower stigmas must be collected by hand. The country that drinks the most coffee is Finland. During one year, the average person in Finland consumes more than 24 pounds of coffee. That’s www.50plusSeniorNewsPA.com
the equivalent of 4.5 cups per day or an incredible 1,650 cups a year. For the country as a whole, it means that 8.5 billion cups, or 531.5 million gallons of coffee, are sipped each year. Condensed soup was invented in 1897 by 24-year-old chemist John T. Dorrance while working for the Joseph Campbell Preserve Company, a cannery in Camden, N.J. The double-strength condensed soups had the advantage of being cheaper to distribute and sell because water, the heaviest part of the formula, was added by the consumer. With an appealing low price, the canned soups first appeared on the market in 1898. By 1914, Dorrance was president of the company, which changed its name to the Campbell’s Soup Company in 1924.
varieties usually weighing less than 1 pound.
They are an excellent source of vitamins A and C, potassium, and iron.
The world’s smallest veggie is the snow pea, which measures about onequarter of an inch, smaller than the size of the average pinkie fingernail. Snow pea pods are flat and bright green in color. They grow to about 3 inches in length, containing between five and seven peas. Because the pod itself is sweet, pods and peas are usually consumed together. Snow peas are eaten around the world but are extremely popular in Asia and the United States.
Frozen food was developed by Clarence Birdseye, a biologist from Brooklyn, N.Y. In 1916 Birdseye began experimenting with ways to retain the flavor and nutrition of cabbage and fish for a long period of time by quickfreezing them in brine. While this worked, it was not to his satisfaction, so he continued experimenting and, in 1924 in Gloucester, Mass., perfected the beltfreezer method. This was a device that subjected various foods to quick-freezing by pressing it between refrigerated plates. Birdseye received a patent for his invention on Aug. 12, 1930. That year, frozen foods with the Birdseye trademark were first marketed in Springfield, Mass.
Bubble gum was the creation of Frank Henry Fleer, founder of the Frank H. Fleer Corporation of Philadelphia. In 1906 he developed the first chewing gum and called it Blibber-Blubber. His recipe was improved in 1928 by Walter Diemer, an employee. Diemer called his product Dubble Bubble for its ability to make large bubbles. Before this product, however, chewing gum had been developed in 1848 in Bangor, Maine, by John Curtis. In 1850 he moved to Portland, Maine, where he continue to develop paraffin gums under the brand names Licorice Lulu, Four-inHand, Sugar Cream, Biggest and Best, White Mountain, and spruce gums under the names Yankee Spruce, American Flag, Trunk Spruce, and 200 Lump Spruce. The world’s largest veggie is the yam. While there are some specially grown vegetables that have been recorded at higher weights than the largest yam, true yams can consistently grow up to 9 feet long and weigh more than 150 pounds. These are not usually found in the local grocery store, which carries the smaller
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Solutions for all puzzles can be found on page 15 WORD SEARCH
Across 1. Writer _____ Asimov 6. Quality of a football lineman 9. Shakespeare, e.g. 13. Stallion’s cry 14. University of Rhode Island 15. Used in printing 16. Gymnast Comaneci 17. Man’s tasseled hat 18. Unlace 19. FEMA help, e.g. 21. He’s now a Bronco 23. Defensive ___ 24. Deal with it 25. It airs Sunday night football
28. Silage holder 30. Last year’s BCS runner-up 35. Having wings 37. NCAA’s initial ____-team playoff 39. Academy in Annapolis 40. Welt 41. Yesteryears 43. 1977 football flick, ____ Tough 44. Type of acid 46. Manufactured 47. “____ and proper” 48. Pollute 50. The ____ Show (1976-1980) 52. “Owner of a Lonely Heart” band
53. Film shot 55. Dog command 57. Tide’s color 61. Not very far 64. Raja’s wife 65. Major time period 67. Water nymph 69. Beginning of illness 70. ENT’s first concern? 71. Ownership document 72. Jolie’s other half 73. Conference of last 6 college champs 74. Pittsburgh’s _____ Curtain
Down 1. Overnight lodging 2. Make very hot and dry 3. ____-de-camp 4. Quality of a good player 5. Moves with each first down 6. It makes a car shine 7. Wrath 8. Most famous gremlin 9. Capital of West Germany, 1949-1989 10. Unfavorable prefix 11. Seabiscuit control 12. Small amount of residue 15. Go to NPR, e.g. 20. Enlighten
22. Suitable 24. Quality of a good soldier 25. Muslim ruler, respectfully 26. What a scapegoat is given 27. Shorter than California 29. Used for weaving 31. Tackler’s breath? 32. Each and all 33. Chinese silk plant 34. Takes off weight 36. Nevada Wolf Pack’s home 38. Do over 42. Touch is one of these 45. Starting time
49. One from Laos 51. Brother of No. 21 Across is a leader of this team 54. Genuflecting joints 56. Loyalty to the loyal, e.g. 57. Farmer’s output 58. Alternate spelling of No. 64 Across 59. In or of the present month 60. Athletic event 61. Narcotics agent 62. Evander Holyfield’s ear mark 63. Ivy League’s Bulldogs 66. Charlotte of Facts of Life fame 68. Ctrl+Alt+___
Your ad could be here! Sponsor the Puzzle Page! Please call (717) 285-1350 for more information.
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Social Security News
Representative Payees Can Report Online By Doris Brookens eople who serve as representative payees for individuals who receive Social Security or Supplemental Security Income benefits have more options for their annual reporting of how the funds are used. Representatives, who in the past had to complete a paper representative payee reporting form each year, can report online using the secure website www.socialsecurity.gov/payee. A representative payee is someone who receives Social Security or SSI payments on behalf of a person who is not capable of managing their funds on their own. Representative payees must use the funds for the benefit of the person entitled to benefits. For example, a payee must use the funds to provide the beneficiary with food, clothing, and shelter. If you receive a representative payee accounting form to complete, you can take your form to your computer instead of a Social Security office. If it’s your first time using this service, you’ll need to take a few
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minutes to register. Once you do, please keep your identification and password in a secure place. You can use it to submit reports in future years. When you’re ready to complete the report online, you’ll need to key in the unique code that appears on the paper form you received in the mail. Then you’ll be able to key in the rest of the information. Online features make completing the report easier than doing it on paper. Once you submit the report, you’ll receive a confirmation number as proof that your report was received by Social Security. It’s as easy as that—no paper to fill out by hand, no visits to make, no envelopes to stuff. If you have questions about registering for this service, call (800) 775-7802. If you are an organizational payee, call (800) 772-6270. For all other questions, use the regular toll-free number, (800) 772-1213 (TTY (800) 325-0778). Doris Brookens is the Social Security office manager in Harrisburg.
Flu Shots Available in York County Flu shots will be available at some senior centers in York County this year. Clinic dates are shown below along with specific preregistration instructions by site. All sites will accept Medicare Part B. Bring your Medicare card. Check with the site for acceptance of other insurance and costs. Tuesday, Oct. 2, 10 a.m. to 1 p.m. South Central York County Senior Center 150 E. Main St., New Freedom Preregistration is not required. Thursday, Oct. 4, 10 a.m. to noon York Community S.E.N.I.O.R.S. 1251 W. King St., York Call (717) 848-4417 to preregister. www.50plusSeniorNewsPA.com
Thursday, Oct. 11, 10 a.m. to noon Windy Hill Senior Center, Inc. 50 N. East St., Spring Grove Preregistration is not required. Friday, Oct. 12, 9 to 11 a.m. Northeastern Senior Community Center Otterbein United Methodist Church 131 Center St., Mount Wolf Pre-registration is not required. Tuesday, Nov. 13, 9 to 11:30 a.m. White Rose Senior Center, Inc. 27 S. Broad St., York Call (717) 843-9704 to preregister; walk-ins are also welcome.
Harrisburg’s Oldies Channel!
• Breakfast with Ben Barber and News with Dennis Edwards • John Tesh with Music and Intelligence for Your Workday • Bruce Collier & The Drive Home
Find us at AM 960 or at whylradio.com
WE PLAY OVER 1500 GREAT SONGS! 50plus SeniorNews t
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Elder Law Attorneys
Specific areas of elder law in which the firm specializes:
Bellomo & Associates, LLC 10 Wyntre Brooke Drive, York, PA 17403 717-845-5390 fax 717-845-5408 jbellomo@bellomoassociates.com www.bellomoassociates.com
1
1
2009
2009
Yes
Yes
Yes
Yes
Estate planning; Medicaid and longterm planning; probate and estate administration; trust administration; Medicaid qualification; guardianships
—
2
1980
1991
Yes
Yes
Yes
Yes
Conserving assets, securities and annuities; advice to the elderly; personal injury
2
2
1985
1985
Yes
Yes
Yes
Yes
Medicaid; nursing home asset protection; estate planning; estate settlement
1
1
1999
1999
Yes
Yes
No
Yes
Member of the elder law section of the PA Bar Association
4
5
1992
1992
Yes
Yes
Yes
Yes
Long-term care; Medicaid appeals; income tax; estate planning and administration; trusts; guardianships
1
1
2007
2007
Yes
Yes
No
Yes
Wills; trusts; estate planning and administration; guardianship; Social Security disability; VA benefits
1
3
1956
1956
No
Yes
Yes
Yes
Affordable estate planning; wills; trusts; powers of attorney
Elder Law Associates of PA 600-A Eden Road, Lancaster, PA 17601 717-560-1500
The Elder Law Firm of Robert Clofine 120 Pine Grove Commons, York, PA 17403 717-747-5995 fax 717-747-5996 clofine@estateattorney.com www.estateattorney.com
Elinor Albright Rebert, Esquire 515 Carlisle Street, Hanover, PA 17331 717-632-4300 fax 717-632-2748 earebert@earthlink.net
Gates, Halbruner, Hatch & Guise, P.C. 1013 Mumma Road, Suite 100, Lemoyne, PA 17043 717-731-9600 fax 717-731-9627 s.nace@gateslawfirm.com www.gateslawfirm.com
Giordano Law/Michael C. Giordano Attorney & Counselor at Law
221 West Main Street, Mechanicsburg, PA 17055 717-745-4160 fax 717-745-4174 mgiordano@giordanolaw.com www.giordanolaw.com
Going & Plank 140 East King Street, Lancaster, PA 17602 717-392-4131 fax 717-392-1737 amw@goingandplank.com www.goingandplank.com
2
2
2002
1993
Yes
Yes
Yes
Yes
Marielle Hazen is one of the founding members and the first president of the Pennsylvania Association of Elder Law Attorneys (the state chapter of NAELA). She is also a certified elder law attorney as authorized by the PA Supreme Court.
1
7
1962
1985
Yes
Yes
No
Yes
Wills; trusts; powers of attorney; estate planning
Hazen Elder Law 2000 Linglestown Road, Suite 202, Harrisburg, PA 17110 717-540-4332 fax 717-540-4313 info@hazenelderlaw.com www.hazenelderlaw.com
Hoffmeyer & Semmelman LLP 30 North George Street, York PA 17401 717-846-8846 fax 717-852-8780 info@hoffsemm.com www.hoffsemm.com
Jan L. Brown and Associates 845 Sir Thomas Court, Suite 12, Harrisburg, PA 17109 717-541-5550 fax 717-541-9223 jlbassoc@verizon.net www.janbrownlaw.com
3
3
1993
1993
No
Yes
Yes
Yes
Estate planning (wills and trusts); elder law (nursing home planning and asset protection); estate and trust administration (probate); special needs trusts
2
2
2010
2010
Yes
Yes
Yes
Yes
Estate planning and administration; wills; trusts; VA benefits; life care planning; Medicaid asset protection
Keystone Elder Law 555 Gettysburg Pike, Suite C-100, Mechanicsburg, PA 17055 717-697-3223 fax 717-691-8070 info@keystoneelderlaw.com www.keystoneelderlaw.com
This is not an all-inclusive list. These advertisers are eager to provide additional information about their services. * Indicates that at least one attorney in the firm is a member. Information contained herein was provided by the firm.
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Elder Law Attorneys
Specific areas of elder law in which the firm specializes:
Law Office of Shawn M. Pierson 105 East Oregon Road, Lititz, PA 17543 717-560-4966 fax 717-427-1676 questions@piersonelderlaw.com www.piersonelderlaw.com
1
1
2001
2001
Yes
Yes
Yes
Yes
—
1
6
—
—
—
Yes
—
Yes
Estate planning; trusts; guardianships; powers of attorney
2
8
1987
1998
No
Yes
No
Yes
Estate planning; Medicaid
Yes
Special/discretionary needs trusts for the elderly; credit shelter and marital deduction trusts; disclaimer planning; general estate planning
Menges & McLaughlin 145 East Market Street, York, PA 17401 717-843-8046 fax 717-854-4362 info@yourlawfirmforlife.com www.yourlawfirmforlife.com
MPL Law Firm, LLP 137 East Philadelphia Street, York, PA 17401 717-845-1524 fax 717-854-6999 jmiller@mpl-law.com www.mpl-law.com
Reese, Samley, Wagenseller, Mecum & Longer, P.C. 120 North Shippen Street, Lancaster, PA 17602 717-393-0671 fax 717-393-2969 info@trustmattersmost.com www.trustmattersmost.com
3
5
1986
1986
No
Yes
No
Robert M. Slutsky Associates
600 West Germantown Pike, Suite 400 Plymouth Meeting, PA 19462 610-940-0650 fax 610-940-0638 robertslutsky@verizon.net www.slutskyelderlaw.com
1
1
1995
1994
Yes
Yes
Yes
Yes
Asset management; elderly crises management; estate administration; estate planning; wills and trusts; guardianship; Medicaid planning; long-term care planning; POAs; special needs trusts
2
4
2000
2006
No
Yes
No
Yes
Estate planning; wills
3
12
2010
2006
Yes
Yes
Yes
Yes
Wills; trusts; living trusts; powers of attorney; estate planning and administration; Medicaid planning
Yes
Long-term care planning; medical assistance/nursing home care; special needs planning; estate planning and administration; guardianship; powers of attorney; etc.
Rominger & Associates 155 South Hanover Street, Carlisle, PA 17013 717-241-6070 fax 717-241-6878 info@romingerlaw.com www.romingerlaw.com
Saidis, Sullivan & Rogers 26 West High Street, Carlisle, PA 17013 • 717-243-6222 635 North 12th Street, Lemoyne, PA 17043 • 717-612-5800 attorney@ssr-attorneys.com www.ssr-attorneys.com
Scott Alan Mitchell of McNees, Wallace & Nurick, LLC 570 Lausch Lane, Suite 200, Lancaster, PA 17601 717-581-3713 fax 717-260-1633 smitchell@mwn.com • www.mwn.com
1
135
1935
—
Yes
Yes
Yes
2
10
1966
1966
Yes
Yes
Yes
Yes
The firm handles the full range of legal needs affecting seniors (including estate planning, medical assistance and asset protection planning, guardianship, and estate administration). In-house care manager, a nurse practitioner, provides care planning and delivery as well as client advocacy.
2
2
1944
1944
No
Yes
No
Yes
Wills; trusts; estate administration; estate planning; powers of attorney; living wills
Yes
Wills; powers of attorney; living wills; trusts; probate; estate planning and settlement; guardianships; medical assistance planning; asset protection
SkarlatosZonarich LLC 17 South Second Street, 6th Floor, Harrisburg, PA 17101 717-233-1000 fax 717-233-6740 ebp@skarlatoszonarich.com www.skarlatoszonarich.com
Smith, Anderson, Baker & Long 25 North Duke Street, 2nd Floor, York, PA 17401 717-845-9641 fax 717-854-1565 sabl.law@juno.com www.sabl-law.com
Young & Young 44 South Main Street, P.O. Box 126, Manheim, PA 17545 717-665-2207 fax 717-665-2422 synicholas@lawyeryoung.com www.lawyeryoung.com
2
3
1915
1915
No
Yes
Yes
This is not an all-inclusive list. These advertisers are eager to provide additional information about their services. * Indicates that at least one attorney in the firm is a member. Information contained herein was provided by the firm.
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October 2012
9
The Search for Our Ancestry
I Get Letters Angelo Coniglio Q: My wife’s family was from Italy, via England. We have found United Kingdom records for 1800s London, saying that G. Angeletta and A. Sassani were married in England, but were born in Italy. For information prior to that, we have hit a
“brick wall.” How can we extend the search back in time, to Italy? – D.P., California A: The first step is to recognize that the surnames may have evolved while
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the family was in England. The original surname for the husband, G. Angeletta, may have been Angeletto or Angeletti; while Sassano or Sassana may have been the wife’s original surname, rather than Sassani. When unsure of the validity of surnames from any country, not just Italy, I use the Internet to get a feel for the name. Simply “Googling” a surname can be a quick check. If you search for a strange name and get no “hits,” there’s a pretty good chance that it’s not a valid name. If you do get hits, the resulting sites may give some indication of the region or town where such surnames originated. A similar approach is to enter the surname in a ship’s passenger manifest search engine, such as those found at Ellis Island online (www.ellisisland.org), Ancestry.com, FamilySearch (www.familysearch.org), or Dr. Stephen Morse’s site (http://stevemorse.org/ ellis2/ellisgold.html). Again, if the surname is badly misspelled, you probably won’t get any hits, which at least tells you to try another spelling. If these sites do return results, they, too, will often give a place of origin for the person. Even though the site may be for immigrants to the U.S., the purpose of the searches in this case is not to find a specific individual, but to determine if a surname is reasonable, and where its origins might be. The free Steve Morse site is especially useful here because it displays towns of origin for each name it lists. Many websites, free or paid, have information about surnames in a town, region, or country. For example, for Italy, GENS (www.gens.info/italia/it/ turismo-viaggi-e-tradizioni-italia) will give a map of the distribution of any surname entered. The site is in Italian: cerca un cognome means “search for a surname.” Enter the surname there, and click on the Trova (“find”) button. Other examples include, for Ireland, IrishTimes.com (www.irishtimes.com/ ancestor/surname), and so on. Search “surname distribution” for your area of interest to find more. In the case of the England/Italy
example, I would look at the distributions of the various forms of the surnames and try to determine if there was one town or area in which both Angeletta and Sassani occurred, then see whether birth, marriage, or death records were available from that place to further the research. Q: Are Canadian records generally available online? How can I access them? – J.P.D., Hamilton, Ontario A: Canada has taken nationwide censuses since 1871 and every 10 years thereafter. In the U.S., the delay for releasing the federal census is 72 years, so the 1940 U.S. census is now available. However, in Canada, the limit is 92 years, so the most recent Canadian federal census available is for 1911, with 1921’s being made public in 2013. The released Canadian censuses can be found on the free site FamilySearch (www.familysearch.org) and the subscription site Ancestry.com. Many Canadian birth and marriage records are also available on these and other sites. Limited passenger manifests are available for Canadian ports. However, many immigrants to Canada traveled through U.S. ports, and their records may be found in ships’ passenger manifest search engines, as described in the previous answer. Be sure to check the “Final Destination” column to see whether the traveler was going to Canada. Online sources also have images of bordercrossing records for travel between the United States and Canada, often with information on the traveler’s town and date of birth. Canadian naturalization records must be obtained in hard copy but can be ordered online at the country’s official records repository, Library Archives Canada (www.collectionscanada.gc.ca). Angelo Coniglio encourages readers to contact him by writing to 438 Maynard Drive, Amherst, N.Y. 14226; by email at Genealogytips@aol.com; or by visiting www.conigliofamily.com/ConiglioGenealogy Tips.htm. His new historical fiction novel, The Lady of the Wheel, is available through Amazon.com.
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Millions Won. Millions Win.
Actor Portrayals
Because of you, the Pennsylvania Lottery generated more than $1 billion last year to programs that beneďŹ t older Pennsylvanians. And to that, we say thanks. Every day. For more information, visit palottery.com
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October 2012
11
Salute to a Veteran
Awestruck, Sitting in His Corsair Fighter Plane in WWII, He Said, ‘After you, Mr. Lindbergh’ Robert D. Wilcox hen he talks about it, Jack Holden can’t help smiling. He explains, “I was taking flight training at Parris Island, S.C., and I was No. 1 for takeoff in my Corsair, when I learned that Charles A. Lindbergh was flying the Corsair lined up behind me. “He, of course, was a living legend after having been the first person to fly solo across the Atlantic many years before, and I just couldn’t think of making him wait for me to take off. So I called the tower and deferred to him … and he then taxied around me and took off.” But what was Lindbergh doing, flying a Corsair fighter at a Marine Corps base like Parris Island? “Oh,” Holden says, “although he was a civilian, he flew a lot of military planes in World War II … and flew about 50
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actual combat 1942 with a BA, I had two missions in the flying courses: Pacific. At Parris basic, flying in Island, he was Piper Cubs … teaching us engine-leaning and aerobatics, flying in Waco techniques that biplanes. greatly improved “Then I fuel tried to join consumption at cruise speeds and the Navy. At Floyd Bennett let pilots fly Field, they longer-range asked me if I missions.” And how did had ever had hay fever. I you get to Parris Lieutenant John E. (Jack) Holden in his F4U said yes, and Island? Corsair fighter in Okinawa. they wouldn’t “Well,” he says, “I was in take me. So I Navy flight went to Boston and when they asked me the same training at Brown University, in Providence, R.I. So, before graduating in question, I said no, and they took me.”
After flight training at various bases, he was in advanced training at Parris Island as a member of Marine Fighting Squadron 312 (VMF-312) when they received their brand-new F4U-1 Corsair fighters. He says that looked like a lot of airplane to him. They gave him the manual to read and then required him to point to all the controls, blindfolded, as they called them out. After that, he was deemed able to fly that powerful airplane. While there, Holden also created the distinctive navy-and-white checkerboard design for the cowling and tail that led to the squadron being called the “Checkerboards.” After earning his golden wings and commission as a Marine Second Lieutenant at Pensacola, he shipped to San Diego and then to Hawaii for more training. From there, the pilots and their Corsairs were loaded aboard the carrier
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USS Hollandia and were off to Okinawa, which was then the scene of the largest amphibious landing in the Pacific in World War II. When the carrier was 125 miles off Okinawa, the Kadena airfield had been declared secured, and Holden and the men of his squadron were to be the first aircraft to fly to that Okinawa airfield with its severely shell-pocked runway. “First, though,” Holden says with a wry chuckle, “we had to get off the carrier. Although none of us had had catapult training, we soon learned that that was the way we were to leave the ship. “One problem was to know how much trim tab to use. We watched our C.O. take off and climb sharply, nearly stalling out. So we dialed back on the trim. The next man flew low, barely skimming the waves. So we added more trim. We finally got it right and saw no more challenges other than dodging the shell holes on Kadena when we landed on April 9, 1945.” Although the airfield had been secured, there were still thousands of Japanese on the rest of the island who pounded the airfield with heavy artillery fire day and night. And the Kamikazes constantly attacked, with pilots dedicated to giving their life in order to do the most damage possible.
Holden’s daughter, Anne, wearing an appropriate jacket at a recent squadron reunion and standing before an F4U Corsair.
On April 12, VMF-312 had their first contact with the enemy. Holden and three of his buddies scrambled to intercept oncoming zeros. To get above the zeros, they climbed to 23,000 feet and then saw a force of 20 zeros below them. They dived on them, destroying eight zeros and badly damaging six more before the enemy turned and fled for home. On May 14, Holden’s squadron was directed to destroy antiaircraft
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installations on Kyushu Island, which was heavily fortified by the Japanese. A 10,000-foot dive on the installations resulted in the death of Holden’s commanding officer, Major Richard Day, whose plane was hit and set on fire. Despite this and other losses, the squadron maintained a kill ratio of 11 to one. With the surrender of the Japanese, Holden returned to San Diego aboard an aircraft carrier. Immediate check-in at a
nearby building was required, and the pilots, eager to see the good old USA again, piled into an elevator that promptly got stuck between floors. It was a Sunday, devoid of maintenance personnel, and they finally escaped only by climbing through the elevator ceiling. Goodbye, South Pacific. Welcome back to the USA! After being discharged in January 1946, Holden worked as assistant advertising director at Armstrong (now Armstrong World Industries) and as vice president at Hubley Manufacturing Company before starting his own toy design company. He now lives in a retirement community in an apartment that is a virtual museum of photos, artwork, and model planes of World War II. He gets his kicks these days by writing a monthly “Wrinkle Valley News” letter that takes a wry look at the affairs of his retirement community and the world, while its masthead says it is “Dedicated to the Dissemination of Misinformation.” Holden has surrounded himself with mementos of those earlier days when, as for so many other veterans, his life was held by such a very slender thread. Colonel Wilcox flew a B-17 bomber in Europe in World War II.
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Trust your most precious sense to us (717) 285-1350 • (717) 770-0140 • (610) 675-6240 • www.50plusSeniorNewsPA.com
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October 2012
13
Travel Appetizers: Stories that Whet the Appetite for Travel
Traveltizers
England’s Storied Countryside By Andrea Gross t’s the fourth day of my English countryside tour, and I’m finally becoming fluent in English expressions. For example, I now know that the plug in my hotel room must be “earthed,” the reflector in the middle of the road is a “cat’s eye,” and that when the coach pulls off the motorway, I’ll have time to “nip to the loo” or—my personal favorite—“go for a tea and a wee.” I’m also becoming more familiar with English extremes—the grand castles and manor houses of the aristocracy and the small villages of the common folks. Their lifestyles are, as our guide from Insight Vacations would say, as different as “chalk and cheese.” We spend 11 days weaving along twolane roads bordered by fields of barley in the south and pastures of blackface sheep in the north. While modern homes surround some of the midsize cities, the
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Homes in the Cotswolds are most often made of golden brick and lush with flowers.
The Brontë Parsonage is the home of Charlotte, who wrote Jane Eyre, and Emily, who wrote Wuthering Heights. William Shakespeare was born and raised in the small market town of Stratford.
small towns are filled with buildings that often date back hundreds of years. Some are made of hand-hewn brick, others of stacked stone. Some, especially in the Cotswolds, are tawny gold while those in the north are industrial gray. But all have narrow streets, roofs rippled with age, and bright-hued flowers that scramble up the walls. In short, they’re all picture-postcard perfect. We stop in several of the villages, especially those with literary connections. In Winchester we see the boarding house where Jane Austen died and the cemetery where she was buried. In Grasmere we visit Wordsworth’s home and gravesite; in Haworth, the Brontës’ parsonage; and in Stratford, the birthplace of William Shakespeare. But if these towns are small and unassuming, the castles and manor houses that surround them are large and overwhelming. Many of them fell on hard times after World War I as their aristocratic owners, whose families had owned the property for hundreds of
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years, realized they were land-rich but cash-poor. In order to maintain and pay taxes on their historic homes, they opened them to tourists. This was undoubtedly sad for the aristocrats but wonderfully fortunate for the rest of us. Our tour of the castles and manor houses amounts to a crash course in English history. We stop at Hever Castle, the childhood home of Anne Boleyn, and I finally learn to keep straight the fate of Henry VIII’s six wives. “It’s easy,” says our guide. “Just remember the rhyme: Divorced, beheaded, died; divorced, beheaded, survived.” (Poor Anne was Wife No. 2, beheaded in 1536 after only three years as queen.) Leaping forward four centuries, we visit Chartwell, the adult home of Sir Winston Churchill, who purchased the estate in 1922 and lived there until his death in 1965. In between we visit six other grand estates, glimpsing life as it was hundreds of years ago and, to a lesser extent, as it is today for England’s gentry. Finally, after being immersed in such an aristocratic atmosphere and rereading the passionate prose of Austen and the Brontës, our thoughts turn to Downton Abbey, the hit television show that traces
Hever Castle was the childhood home of Anne Boleyn.
Chartwell was the home of Sir Winston Churchill from 1924 until his death in 1965.
Highclere Castle is used for the filming of the popular television series Downton Abbey.
The church in Bampton Village is the site of dramatic moments in the television series Downton Abbey.
the antics of a fictional upper-crust family and their servants from 1912 through World War I. (The storyline will continue into the early 1920s during the third season, which begins in
January on PBS.) How closely, we wonder, do sites used for filming the series compare to those we’ve just seen on our tour? To find out, we turn to Robina Brown of The Driver-
Guides Association, who drives us to the two main film sites: Highclere Castle (possible, although difficult, to reach by public transportation) and Bampton Village (impossible to visit without a car). Highclere, which is used for both the exterior and many of interior shots of Downton Abbey, is a properly proud edifice, with turreted towers, ornate ceilings, and more than 1,000 acres of mostly manicured lawn. As we walk through the house we recognize several of the rooms—most notably the library, salon, dining room, grand hall, and, especially, one of the bedrooms that was the site of a pivotal plot turn. But for me the real treat is visiting Bampton, a small town that has existed in relative obscurity since the Iron Age but that now is familiar to millions of people across the world. Robin Shuckburgh, chairman of the Bampton Community Archive and owner of the Coach House B&B, points out the buildings that were used to depict the fictional Downton Village. Here, in one of the oldest and bestpreserved villages in England, fact and fiction merge. It’s the perfect end to our countryside tour of, as the Brits would say, the land “across the pond.”
New Figures on Sleepwalking once in the past year were more likely to have a history of sleepwalking in their family. Other factors associated with sleepwalking included depression (people with depression were found to be 3.5 times more likely to have walked in their sleep twice a month or more), obsessive-compulsive disorder (about four times more likely), and certain types of antidepressants (approximately three times more likely).
Puzzles shown on page 6
Puzzle Solutions
Sleepwalking may be more common in adults than had been realized, according to data collected from more than 15,000 Americans in 15 states. Researchers found that 30 percent of participants said they had a history of sleepwalking, and that 3.6 percent of those reported an episode of sleepwalking at least one time in the previous 12 months. The study, reported in the journal Neurology, found that nighttime ramblers who had sleepwalked at least
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October 2012
15
Art and Antiques by Dr. Lori
Design Tips from the Museum Professionals Dr. Lori e live in a time when there is an overwhelming abundance of home makeover TV shows, articles, and online blogs about redecorating, redesigning, and reconsidering the objects with which we live. After watching a TV designer transform a perfectly good bedroom into a jungle paradise by stapling—yes, stapling—green plastic leaves and flowers directly to the drywall, I thought that some tips on how museum exhibition designers install art exhibits may prove helpful. As a longtime museum director, I have seen many exhibitions installed. Museum exhibition designers make all kinds of objects look their best in any environment. When it comes to displaying objects, museum pros rely on the basics. Three things are important: the front, the collections, and the guests.
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Confront the Front confrontation wall always makes a Your home’s front door is like a statement. museum gallery’s confrontation wall. Often, in a museum, this wall hosts the When you enter any room in your home, most important work of art in the there is one wall exhibition. that is right in Don’t ignore it front of you or in your home. one that you Put the best focus on the object right most. there. This wall is the starting Avoid Clutter point for any Architect design concept, Mies van der called the Rohe was onto confrontation something when wall. It’s the he said, “Less is Use favorite objects and antiques to decorate first one you more.” your home the way museum pros do. confront. This Clutter and wall shouts out collections are for something important, big, colorful, opposites. Displaying similar items near bright, important, or sexy. The each other is pleasing to the eye. Arrange collections together by size, color, material, or texture. This method shows the scope of the collection and highlights the similarities and differences. You want visitors to your home to look at a collection and concentrate on it. They make great conversation starters. Clutter is unrelated and messy. Reject the clutter impulse.
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Fragile Yet Family-Friendly In most museums, changing exhibitions occur about every three months or every season. You don’t want to look at your snowman collection in July and neither do the experts. In museums and in your home, objects on display have to withstand pedestrian traffic and issues like temperature and humidity changes, sun exposure, etc. Make sure your favorite works of art and antiques are far from areas of high heat, away from air conditioning vents or radiators, and out of heavy traffic areas from pets and children. One last tip: If someone holding a staple gun is coming toward your bedroom in hopes of embarking on a redesign, point them in the direction of the nearest museum. Maybe they’ll learn something. Ph.D. antiques appraiser, author, and awardwinning TV personality, Dr. Lori presents antique appraisal events nationwide. Dr. Lori is the expert appraiser on the hit TV show Auction Kings on Discovery channel, which airs Wednesdays at 10 p.m. Visit www.DrLoriV.com, www.Facebook.com/ DoctorLori, or call (888) 431-1010.
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The Beauty in Nature
Looking for Some Companionship? (Maybe even a little romance?)
October Nuts
If you’re a fun-loving Pennsylvanian over 50 and single who would like to make a new friend and enjoy an evening out, try your hand at:
Clyde McMillan-Gamber n October, seven kinds of nuts, some of them rustically attractive, are noticed in abundance on the ground of woods, roadsides, and suburban areas in Central Pennsylvania. Those seven are from black walnut, shagbark hickory, American beech, pin oak, white oak, chestnut oak, and red oak trees. Those nuts are food for several kinds of birds and mammals, as well as people. And some of them are decorative and used as part of indoor décor. Black walnut trees are common in the moist soil of bottomlands. They grow hardshelled nuts inside tough, green husks that become dark in time. The inside shells are dark and grooved. The shells and husks are so hard that only squirrels, chipmunks, and mice can chew through them with their sharp teeth, powered by strong jaw muscles, to get the meat. Some people like to collect black walnut nuts. They can be opened with hammers and the meat used in cakes and ice cream toppings. Shagbark hickory trees also grow on bottomlands. They are called shagbark because their bark peels away in long,
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vertical strips, giving the trees a shaggy appearance. They have green, fourparted husks and off-white, hardshelled nuts that, again, only rodents can chew into to get the meat. Beech trees have smooth, gray bark and grow on slopes above floodplains. Beech nuts are a half-inch long, triangular, and dark brown. Each nut develops in a thin husk that is a bit bristly. Because those husks are thin and pop open to release the small nuts, wild turkeys, ruffed grouse, crows, blue jays, woodpeckers, white-tailed deer, black bears, rodents, and other critters get fat eating those nuts. Pin, white, chestnut, and red oak trees produce abundant, brownish acorns in rustic, scaled caps that are attractive in themselves. The same animals that eat beech nuts also consume acorns. Pin and white oaks live in the bottomlands, but chestnut and red oaks grow on slopes. This reduces competition for living space among their relatives. Look for some of these attractive nuts on the ground this October. But leave them there so wildlife can eat them.
Are You Reading? Join the 2012 One Book, One Community campaign by reading Zeitoun by Dave Eggers Libraries in Cumberland, Dauphin, Lancaster, Lebanon, Perry, and York counties will host special events and group discussions in October.
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You remember The Dating Game, a popular game show that ran during the ’60s and ’70s that had contestants vying to be chosen for a date. We’re bringing it back and looking for a few participants who would like to have some good, clean fun that could result in a beautiful new friendship … or more! To be held on stage at the Hosted by RJ Harris of abc27
Cumberland County 50plus EXPO Oct. 23 at the Carlisle Expo Center and
Lancaster County 50plus EXPO Nov. 6 at the Lancaster Host Resort Think you’d make a fun contestant?
Hosted by Holly Love and Ronnie Ramone of WKZF
Send the following information and a recent photo to: The Senior Dating Game/On-Line Publishers, Inc. 3912 Abel Drive • Columbia, PA 17512 Or email the information to kshaffer@onlinepub.com. The winning couple from each EXPO will receive an exciting prize package! Winners will be notified two weeks prior to event. Name:______________________________________________________ Age:________________________________________________________ Occupation:_________________________________________________ Address:____________________________________________________ Phone number:_______________________________________________ Email address:_______________________________________________ Preferred location: Cumberland Lancaster What three words best describe your personality?_________________ ____________________________________________________________ What’s one thing you still have left to do on your life list?___________ ____________________________________________________________ Fill in the blank: My favorite place on earth is ____________________. Fill in the blank: I love to collect _______________________________, and have way too many! In about 75 words, please tell us why you should be selected to participate:__________________________________________________ ____________________________________________________________ ____________________________________________________________ ____________________________________________________________ For more information, please call (717) 285-1350.
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October 2012
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Home Care Services & Hospice Providers Listings with a screened background have additional information about their services in a display advertisement in this edition. Agency Name Telephone/Website
Alliance Home Help (800) 444-4598 (toll-free) www.alliancehomehelp.com
Year Est.
Counties Served
RNs
LPNs CNAs
2010
Lancaster
Central Penn Nursing Care, Inc. (717) 569-0451 www.cpnc.com
1984
Cumberland, Dauphin, Lancaster, Lebanon, York
Garden Spot Village (717) 355-6000 www.gardenspotvillageathome.org
2006
Lancaster
1911
Berks, Dauphin, Lancaster, Lebanon, Schuylkill
Good Samaritan Hospice (717) 274-2591 www.gshleb.org
1979
Berks, Dauphin, Lancaster, Lebanon, Schuylkill
Homeland Hospice (717) 221-7890 www.homelandcenter.org
2009
Cumberland, Dauphin, York
Good Samaritan Home Health (717) 274-2591 www.gshleb.org
Hospice and Community Care Founded as Hospice of Lancaster County
(717) 295-3900 www.hospicecommunity.org
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October 2012
1980
Adams, Berks, Chester, Dauphin, Lancaster, Lebanon, York
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No
Providing all levels of care (PCAs, CNAs, LPNs, RNs), in the home, hospital, or retirement communities with specifically trained caregivers for Alzheimer's and dementia clients. Home care provided up to 24 hours a day to assist with personal care and housekeeping. A FREE nursing assessment is offered.
No
Personal care and companionship services in your home with all the professionalism, friendliness, and excellence you expect of Garden Spot Village. Contact info@gardenspotvillage.org.
Yes
Good Samaritan Home Health is a Pennsylvania-licensed home health agency that is Medicare certified and Joint Commission accredited. We work with your physician to provide nursing, physical therapy, occupational therapy, speech therapy, wound care, and specialized care as needed.
Yes
Good Samaritan Hospice provides services to patients and their families facing a life-limiting illness. We are Pennsylvania licensed, JCAHO accredited, and Medicare certified. We provide services 24 hours per day with a team approach for medical, emotional, spiritual, and social needs.
Yes
Exemplary care provided by a highly trained staff who address all patient and caregiver needs.
Yes
Non-profit hospice providing physical, emotional, and spiritual end-of-life care in homes, nursing homes, hospitals, and in one of their two inpatient centers located in Lancaster and Mount Joy. Palliative care, volunteer support, and bereavement services. JCAHO accredited. Massage therapy, music therapy, and pet therapy available. Referrals 24 hours a day: (717) 391-2421 (Lancaster area) or (717) 885-0347 (York area).
www.50plusSeniorNewsPA.com
Home Care Services & Hospice Providers Listings with a screened background have additional information about their services in a display advertisement in this edition. Agency Name Telephone/Website
Year Est.
Counties Served
RNs
LPNs CNAs
Home Medicare Aides Certified?
Other Certifications and Services
2004
Adams, Cumberland, Dauphin, Lancaster, Lebanon, York
Yes
Two- to 24-hour non-medical assistance provided by qualified, caring, competent, compassionate, and compatable caregivers. Personalized service with Assistance for Daily Living (ADL, IADL): companionship, meal prep, bathing, cleaning, and personal care needs. Respite care, day surgery assistance. Assistance with Veterans Homecare Benefits. Pampered Care Services©. Clutter Stoppers professional organizational services: PA license #10053601.
1997
Adams, Berks, Chester, Cumberland, Dauphin, Franklin, Lancaster, Lebanon, York
No
For everyone’s peace of mind, 24-hour personal care in the home you love, yours! Premier, professional caregivers. Extensive background checks. Free home evaluations.
Safe Haven Quality Care, LLC (717) 258-1199; (717) 238-1111 (717) 582-4110; (717) 582-9977 www.safehavenqualitycare.com
2005
Cumberland, Dauphin, Perry, York
Yes
Owners Leslie and Sandra Hardy are members of the Society of Certified Senior Advisors. We have contracts with the VA and the Area Agency on Aging. Private insurance and self-payment are also accepted. Friendly faces, helping hands, warm hearts. Skilled nursing also available.
Seniors Helping Seniors (717) 933-2077 www.seniorshelpingseniors.com
2010
Dauphin, Lebanon
No
We have active, caring, and compassionate seniors who can relate to your parents’ needs. We provide meal prep, light housekeeping, companionship, and so much more.
2001
Cumberland, Dauphin, Lancaster, York
No
Up to 24-hour non-medical care including companionship, respite care, personal hygiene, laundry, meal prep, and errands. Choose your caregiver from a list of thoroughly screened, bonded, and insured caregivers. Nurse owned and operated. America's Choice in Home Care.
1908
Berks, Chester, Cumberland, Dauphin, Lancaster, Lebanon, Perry, Schuylkill, York
Yes
Home care specialists in physical, occupational, and speech therapy; nursing; cardiac care; and telehealth. Disease management, innovative technologies, and education help you monitor your condition to prevent hospitalization. Licensed non-profit agency; Medicare certified; Joint Commission accredited.
Keystone In-Home Care, Inc. (717) 898-2825 (866) 857-4601 (toll-free) www.keystoneinhomecare.com
Live-In Care of Pennsylvania (717) 519-6860 (888) 327-7477 (toll-free) www.liveincareofpa.com
Visiting Angels (717) 393-3450; (717) 737-8899 (717) 751-2488; (717) 630-0067 (717) 652-8899; (800) 365-4189 www.visitingangels.com
VNA Community Care Services (717) 544-2195; (888) 290-2195 (toll-free) www.lancastergeneral.org/content/ VNA_Community_Care.htm
This is not an all-inclusive list of agencies and providers. These advertisers are eager to provide additional information about their services.
www.50plusSeniorNewsPA.com
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October 2012
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York County
Calendar of Events
York County Department of Parks and Recreation
Senior Center Activities
Pre-registration is required for these programs. To register or find out more about these activities or any additional scheduled activities, call (717) 428-1961.
Delta Area Senior Center, Inc. – (717) 456-5753
Oct. 3, 7 p.m. – Public Input Meeting: Susquehanna Heritage Park Master Plan, Lower Windsor Township Building
Eastern Area Senior Center, Inc. – (717) 252-1641
Oct. 14, 1:30 to 4:30 p.m. – Cider Fest, Wallace-Cross Mill
Golden Visions Senior Community Center – (717) 633-5072
Oct. 27, 8:30 a.m. to 4:30 p.m. – Fall Celebration, Nixon Park Heritage Senior Center, Inc. – (717) 292-7471
York County Library Programs Arthur Hufnagel Public Library of Glen Rock, 32 Main St., Glen Rock, (717) 235-1127
Northeastern Senior Community Center – (717) 266-1400
Collinsville Community Library, 2632 Delta Road, Brogue, (717) 927-9014 Tuesdays, 6 to 8 p.m. – Purls of Brogue Knitting Club
Red Land Senior Citizen Center – (717) 938-4649
Dillsburg Area Public Library, 17 S. Baltimore St., Dillsburg, (717) 432-5613
South Central Senior Community Center – (717) 235-6060 Mondays, 9:15 a.m. – Acrylic Art Classes Tuesdays, 9 a.m. – Quilting Tuesdays, 12:30 p.m. – Staying Young
Dover Area Community Library, 3700-3 Davidsburg Road, Dover, (717) 292-6814 Glatfelter Memorial Library, 101 Glenview Road, Spring Grove, (717) 225-3220 Guthrie Memorial Library, 2 Library Place, Hanover, (717) 632-5183 Kaltreider-Benfer Library, 147 S. Charles St., Red Lion, (717) 244-2032 Kreutz Creek Valley Library Center, 66 Walnut Springs Road, Hellam, (717) 252-4080
Stewartstown Senior Center – (717) 993-3488 Oct. 6, 10 a.m. – Fall Festival at Shrewsbury Oct. 23, 12:30 p.m. – Pinochle Oct. 31, 10 a.m. – Halloween Party
Martin Library, 159 E. Market St., York, (717) 846-5300 Mason-Dixon Public Library, 250 Bailey Drive, Stewartstown, (717) 993-2404 Paul Smith Library of Southern York County, 80 Constitution Ave., Shrewsbury, (717) 235-4313 Red Land Community Library, 48 Robin Hood Drive, Etters, (717) 938-5599
Oct. 2, 7 p.m. Surviving Spouse Socials of York County Faith United Church of Christ 509 Pacific Ave., York (717) 266-2784
Oct. 16, 3 p.m. Caregiver Support Group Golden Visions Senior Community Center 250 Fame Ave., #125, Hanover (717) 633-5072
Oct. 9, 8:30 a.m. Senior Breakfast Club Meeting ManorCare York North 1770 Barley Road, York (717) 767-6530
Oct. 17, 7 p.m. Family Education Series on Dementia Dallastown Nursing Center 623 E. Main St., Dallastown (717) 244-9574 annlucille@ dallastownnursingcenter.com
White Rose Senior Center – (717) 843-9704, www.whiteroseseniorcenter.org Windy Hill Senior Center – (717) 225-0733
Village Library, 35-C N. Main St., Jacobus, (717) 428-1034
Programs and Support Groups
Susquehanna Senior Center – (717) 244-0340
Free and open to the public
Yorktown Senior Center – (717) 854-0693
Oct. 18, 5:30 to 6:30 p.m. Alzheimer’s Support Group Senior Commons at Powder Mill 1775 Powder Mill Road, York (717) 741-0961
Give Us the Scoop! Please send us your press releases so we can let our readers know about free events occurring in York County! Email preferred to: mjoyce@onlinepub.com
If you have an event you would like to include, please email information to mjoyce@onlinepub.com for consideration. Let (717) 285-1350 Help you get the word out!
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October 30th is
Create a Great Funeral Day
Such Is Life
This Month’s Phobia: Being Buried Alive Saralee Perel ecently, I read an article about a speaker at the World Conference on Assisted Dying who advocated the inhalation of helium as a way of taking one’s own life. I said to my husband, Bob, “Helium? No way. My last words would be highpitched squeaky sounds. I’d be saying ‘goodbye’ like a munchkin. How humiliating.” He slowly turned to stare at me with a look that said, “You’re making up another idiotic scenario.” It’s important that we express our final wishes. It’s a difficult subject, but we need to be strong. Bob approached this last week. “Have you thought about cremation versus burial?” I covered my ears with my hands and belted out the song, “I’M GETTING MARRIED IN THE MORNING …” “We should talk about this.” “DING-DONG THE BELLS ARE GONNA CHIME …” “Sweetheart,” he took my hands. “Let’s discuss it.” “Well, if you cremate me, just make sure I’m dead first. And forget organ donation. The doctor will have a nephew who needs a kidney and say I’m a goner while I’m still breathing. Did you know the fear of being buried alive is called taphephobia?” He sighed. “It is truly remarkable that your myriad of phobias now extends until after you’re dead.” “I can’t talk now. I have to do something.” “Wait a minute. We’ve never discussed any of this. Have you ever thought about whether or not you’d want to be maintained on machines if that’s the only
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way of keeping you alive?” “You mean if I can’t make my own decisions and I’m declared mentally incompetent?” “Trust me. No one who’s ever met you will notice.” “The answer is yes.” “You want to be kept alive while you lie in one position? While you don’t even feed yourself and somebody does everything for you?” He thought a minute. “Oh, I get it. That’s no different from how you are now.” “One thing I know,” I said, “is you shouldn’t spend much money on my funeral. And I’ll want a senior citizen’s discount.” I couldn’t sleep that night. So I did some writing. Around 3 a.m., I came to bed. “I’ve written my eulogy,” I said, tenderly touching Bob’s cheek. “You’re right about me not facing reality. So … here goes.” I read out loud: Saralee was a paragon of mental fortitude and stability. She wasn’t really a hypochondriac the way each of her 12 doctors said, and was only claustrophobic in the backseats of cars, where she never actually vomited much. Saralee fulfilled her lifelong dream of piloting the space shuttle where, always the Samaritan, she spent most of her time calming the panicking astronauts as they periodically freaked out. Voted “Most Beautiful Person” seven years in a row by People magazine, she was a perfect size five her entire adult life. She will be remembered most for her highly intellectual writing, which always included sophisticated, subtle humor. Every Friday evening, she’d have cocktails with
Norman Mailer at his home in Provincetown, Mass. There, he’d often ask her to read his unfinished works so that she could tell him how to make the endings really good. Bob yanked the paper out of my hands and tore it up. And so, last night I finally talked about my wishes. It was hard. But I remembered that two days after my mother’s burial, I found her living will and her funeral requests. I had not given her what she wanted. This still makes me cry.
I shared my wishes with Bob partly for me. But what mattered even more was that I did it for him. And now, I can resume my normal life with everyday worries. You know—what we’re having for dinner, antibiotic immunities, viruses, rabies, and common stuff like that. Saralee Perel is an award-winning, nationally syndicated columnist. Her new book is Cracked Nuts & Sentimental Journeys: Stories From a Life Out of Balance. To find out more, visit www.saraleeperel.com or email sperel@saraleeperel.com.
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4100 Jonestown Rd. Hbg., PA 17109 Shawn E. Carper Supervisor
October 2012
21
LAUGHS
from page 1
While O’Donnell did participate in theater during high school and college, her focus remained on writing. She majored in English and became a teacher, eventually taking up a position at Elizabethtown College. She had dreams of using her writing skills to become a novelist. After college graduation, O’Donnell continued to participate in activities she enjoyed, and started a family with her husband John, but she was no longer involved in theater productions. Acting, however, runs in O’Donnell’s family genes. Her mother was a Hollywood extra—a glamour girl with blond hair—and, in fact, it was family that brought O’Donnell back to the theater. After 20–25 years away from the stage, O’Donnell found herself shuttling her two sons to the Fulton for show rehearsals. It was during that time that her love for theater resurfaced. “I sort of got hooked back on it,” she said. At the age of 47, O’Donnell returned to the theater, participating in a production of Into the Woods. From there, she began auditioning and performing at local theaters, taking parts in plays, musicals, and monologues. Her
favorite role was Daisy Werthan in Driving Miss Daisy. Forty-seven might not seem to be the ideal age to reenter the theater scene, but O’Donnell embraced it as part of her philosophy of remaining happy and active by participating in things she enjoys. “As you get older, you’re just not as insecure about things. You’re just glad you have the opportunity to do them,” O’Donnell said. O’Donnell’s renewed interest in theater soon began to appear in her writing. While researching the history of the Fulton for one of the theater’s anniversaries, O’Donnell discovered that Sarah Bernhardt, a French actress, and Carry Nation, a member of the temperance movement, had both visited the theater in the 1920s. Drawn to these strong women, O’Donnell wrote monologues for each one, in addition to four other skits. She also wrote a monologue for Abigail Adams, wife of the country’s second president. O’Donnell’s writing background, her return to the theater, and her work on the Fulton monologues all prepared her to write her monologue for Mary Todd
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Lincoln, something she had been considering for some time. “I’ve always been fascinated by Mary Lincoln. She had such a sad life,” O’Donnell said. In fact, Mary Lincoln’s many tragic life experiences kept O’Donnell from writing about her for quite a while. Lincoln was widely disliked and considered by many to be insane. Three of her four children died, her husband was assassinated, and her remaining son took her to court to have her committed to a mental institution. For O’Donnell, Mary Lincoln’s life did not provide much opportunity for comedy. In a way, however, Lincoln’s sad life might have helped O’Donnell produce her monologue even more than her writing and theater experience, as O’Donnell was able to connect to her on an emotional level. “Honestly, I think more than anything that prepared me to write the Mary Lincoln play was being a mother,” she said. As O’Donnell conducted research for her work, she discovered many littleknown facts about Lincoln, such as her constant overspending and her much higher class status than Abraham
Lincoln. The more she learned about Mary Lincoln, the more O’Donnell was drawn to her—and she was finally able to grasp the humorous threads of Lincoln’s troubled life and weave them into a monologue full of comic relief. “My research has driven me to be passionate about, indeed almost obsessed with, this enigmatic, tragic, sometimes charming, often irritating, and wildly eccentric woman. I want her to be heard,” O’Donnell said. The performance will be O’Donnell’s first experience producing a theater piece and may even help to extend her family theater genes a generation further: O’Donnell’s 8-year-old grandson, Lochlan McLane, will be the voice of Tad Lincoln, one of Mary’s sons, for the production. Once the performance is over, O’Donnell will continue doing the things she’s always enjoyed—swimming, singing, reading, dancing, playing with her grandchildren, and, just perhaps, starting a new monologue about another fascinating historical figure. For more information on Mary Todd Lincoln: Much Madness is Divinest Sense, call the Ware Center at (717) 871-2308 or visit www.millersville.edu/ware-center.
Medicare OEP Begins This Month The Fall Open Enrollment Period, during which people with Medicare can make unrestricted changes to their coverage options, takes place from Oct. 15 to Dec. 7, 2012. The changes for 2013 are not as extensive as those for 2012, which saw the timeframe for open enrollment moving to earlier in the fall as well as an expansion of preventive-care benefits. Next year, the “doughnut hole” will continue to decrease in figurative size. The Affordable Care Act, also known as health reform, closes the Part D doughnut hole—the gap in drug coverage during which people with Medicare must pay the full cost of their prescriptions out of pocket. Health reform phases out the doughnut hole by decreasing the beneficiary’s share of drug costs during the doughnut hole until it reaches 25 percent in 2020 for both brand-name and generic drugs. The phase-out works differently for brand-name and generic drugs, however. In 2013, the discount for brand-name
drugs in the coverage gap will increase from 50 to 52.5 percent and from 14 to 21 percent for generics. You should review all of your coverage options even if you are happy with your current coverage, because plans change their costs and benefits every year. The average Medicare prescription drug plan premium will not increase in 2013; it will remain around $30. However, premiums for specific plans and regions vary from year to year. Read your Annual Notice of Change (ANOC), which you should have received by Sept. 30. It will list the changes in your plan, such as the premium and copays, and will compare the benefits in 2013 with those in 2012. It is very important that you read your ANOC and consider all of your options, since many plans make changes every year, and your current plan may not be your best choice for 2013. For more information, contact the Centers for Medicare and Medicaid Services at (800) MEDICARE or www.cms.gov. www.50plusSeniorNewsPA.com
Book Review
My 22 Cents’ Worth and A Musing Moment By Walt Sonneville
eaders of 50plus Senior News may be acquainted with this publication’s bimonthly personalopinion column entitled “My 22 Cents’ Worth.” Walt Sonneville, the author, has two personal-opinion essay books written for the interests of seniors, whom he prefers to think of as “seasoned citizens.” His first book, My 22 Cents’ Worth, released July 2011, was followed by A Musing Moment, published April 2012. Each book contains 33 essays in which the author reconsiders and reconstructs his views on topics such as pet peeves, retirement, grandparenting, doing without a college education, and reincarnation. The essays, ranging from
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whimsical to serious, are informative, frequently tinged with subtle humor, and free of partisanship, sectarian values, profanity, and personal memoirs. If the retirement years are truly “golden,” it is partly because seasoned citizens have ample moments to contemplate opinions on topics common to their life journeys. Doing so can be a discovery process in which one experiences a sense of renewal
as prejudices and unexamined assumptions are discarded or revised. The relatively short length of each essay makes them ideal reading for those moments in the day when brevity is appreciated. The essays fit well into a coffee break or that prelude before a night’s sleep.
A third book, planned for release late 2012, will complete the trilogy of the author’s personal-opinion essays. The two books are available on Amazon.com in either a paperback or Kindle edition. About the Author Following a career of conducting and writing market-research studies, Walt Sonneville is happily retired, relaxing by reading and writing personal-opinion essays. He and his wife, Pamela, reside in Gaithersburg, Md. Sonneville earned a bachelor’s degree from Georgetown University and a master’s from the Illinois Institute of Technology.
Calling All Authors If you have written and published a book and would like 50plus Senior News to feature a Book Review, please submit a synopsis of the book (350 words or fewer) and a short autobiography (80 words or fewer). A copy of the book is required for review. Discretion is advised. Please send to: On-Line Publishers, Inc., Megan Joyce, 3912 Abel Drive, Columbia, PA 17512. For more information, please email mjoyce@onlinepub.com.
A great place to call home — or the care needed to remain at home. Will they think of you? LAST CHANCE to reserve your space! Closing Date: Oct. 12, 2012 • Active adult and residential living • Independent and retirement living communities • Assisted living residences and personal care homes • Nursing and healthcare services • Home care, companions, and hospice care providers • Ancillary services
In print. Online at onlinepub.com. To include your community or service in the 2013 edition or for a free copy of the 2012 edition, call your representative or (717) 285-1350 or email info@onlinepub.com www.50plusSeniorNewsPA.com
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October 2012
23
Notice for Medicare beneficiaries during Medicare’s Annual Election Period (October 15 through December 7, 2012):
The more you know about your Medicare insurance choices, the more you can save! Attend an Informational Seminar or schedule an In-Person Meeting to learn how you can save money, and get the personal service you deserve with Capital BlueCross and our family of companies. Our plans include: • SeniorBlue® HMO * featuring $0 monthly plan premiums (available with SeniorBlue HMO Option 3). • SeniorBlue® PPO * offering coverage options with affordability, flexibility and no referrals. • Security SM* Medically Underwritten** Medicare Supplement plans — with five plans to meet a variety of needs and budgets.
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Bring this ad to an Informational Seminar and receive a free copy of our Health Care Special Report. It can help you understand Medicare’s recent changes.
Seminar Information Hotel Carlisle 1700 Harrisburg Pike Carlisle, PA 17015 Thursday, November 8, 2012 10 a.m. & 2 p.m.
Millersburg Senior Center 109 Edward Drive Millersburg, PA 17061 Tuesday, November 27, 2012 10 a.m. & 2 p.m.
Giant 2300 Linglestown Road Harrisburg, PA 17110 Thursday, November 15, 2012 10 a.m. & 2 p.m.
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Call toll-free 1-888-565-5670 (TTY/TDD 1-800-779-6961), Monday – Friday, 8 a.m. to 8 p.m. with extended hours offered October 1, 2012 through February 14, 2013. When you call this number, you’ll reach a Capital BlueCross Sales Representative who will assist you with reserving space at one of our Informational Seminars or scheduling an In-Person Meeting. A Sales Person will be present with information and applications. For accommodations of persons with special needs at sales meetings, call 1-888-565-5670 (TTY/TDD 1-800-779-6961), Monday – Friday, 8 a.m. to 8 p.m. For customer service, please call toll-free 1-888-340-3978 (TTY/TDD 1-800-779-6961), Monday – Friday, 8 a.m. to 8 p.m. with extended hours offered October 1, 2012 through February 14, 2013. You can also visit us online at www.capbluecross.com/Medicare to learn more. Current Capital BlueCross members: If you have questions, please call the number on the back of your Member ID card.
*SeniorBlue® PPO is offered by Capital Advantage Insurance Company®, a Medicare Advantage organization with a Medicare contract. SeniorBlue® HMO is offered by Keystone Health Plan® Central, a Medicare Advantage organization with a Medicare contract. SecuritySM Medically Underwritten 2010 Standardized Medicare Supplement plans are jointly issued by Capital BlueCross and Capital Advantage Insurance Company®. Capital BlueCross and its subsidiaries, Keystone Health Plan® Central and Capital Advantage Insurance Company®, are independent licensees of the BlueCross BlueShield Association. Communications issued by Capital BlueCross in its capacity as administrator of programs and provider relations. **Medically underwritten programs use specific individual information compared to industry-wide norms to determine the probability of the services that will be used. You must continue to pay your Medicare Part B premium. The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Limitations, copayments, and restrictions may apply. Benefits, formulary, pharmacy network, premium and/or copayments/coinsurance may change on January 1 of each year. CAPT02736_ROP (10/12) Y0016_MK13_020 CMS Accepted 07042012
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