Prime FREE FOR YOU
Celebrating Life
August 2016
8 Things
Your Grandchildren Don’t Do (and some they do...)
CaraVita Village Professionally Managed by Grace Management, Inc.
• Spacious 1 & 2 bedroom apartments • Includes 3 meals/day with all-day dining • Busy life enrichment schedule with activities such as bingo, water aerobics, card games, etc. • Scheduled transportation to doctor’s appointments,post office, bank, shopping, etc. • Maintenance-free living in a gated community with swimming pool
THE RIGHT PACE FOR YOUR LIFESTYLE Affordable, independent living in a comfortable, friendly community! Each year we recognize our senior citizens at CaraVita Village and within the community. Join us as we celebrate National Senior Citizens Day, Aug. 19, from 10 a.m.-2 p.m. Come tour, meet with vendors and enjoy light refreshments. This event is FREE and open to the public. 4000 Fieldcrest Drive • (334) 284-0370 • Montgomery, AL 36111 2
August 2016 | www.primemontgomery.com
www.caravitavillage.com
It’s not just your joints that are suffering.
It’s your life.
Introducing the Joint Center of Alabama at Baptist South. Is joint pain making you miss out on life? It’s time to stop hurting and start living. The new Joint Center of Alabama at Baptist South offers joint replacement surgery, recovery and rehab all in one convenient
Joint Center of Alabama
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Bring the pain. www.primemontgomery.com | August 2016
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Together makes us better. And you, too.
August 2016 | www.primemontgomery.com
The new UAB Multispecialty Clinic at Baptist Medical Center South brings two names you trust together.
Together makes us happier, stronger, better. That’s why Baptist South has opened a brand new clinic that brings the best names in healthcare together. Nurses and staff from Baptist South will join specially trained doctors from UAB to offer advanced care in many specialties. It’s a partnership that’s going to make everyone better, including you. Call today and make an appointment at the new UAB clinic. Let’s get you better, together.
See a UAB doctor in one of these specialties UROLOGY GASTROENTEROLOGY ENDOCRINOLOGY RHEUMATOLOGY
MULTISPECIALTY CLINIC BAPTIST MEDICAL CENTER SOUTH
More specialties to come
Knowledge that will change your world
334.613.7070 UABmedicine-Baptist.com 2119 East South Blvd, east of the Emergency entrance at Baptist South
www.primemontgomery.com | August 2016
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Prime W
EDITOR’S NOTE
MAGAZINE
August 2016 • Volumn 7 • Issue 5
PUBLISHER Bob Corley, primemontgomery@gmail.com EDITOR Sandra Polizos, primeeditor@gmail.com ART DIRECTOR Callie Corley, primemagdesign@gmail.com WRITERS Sue Coty, Andrea Gross, Andrea Harris, Kristen Sturt CONTRIBUTORS Charlene Beach, Niko Corley, Kylle’ McKinney, Arlene Morris, Nick Thomas, Alan Wallace, PHOTOGRAPHERS Irv Green SALES Bob Corley • 334-202-0114, primemontgomery@gmail.com Wendy McFarland, • 334-652-9080 mcfarlandadvantage@gmail.com Prime Montgomery 7956 Vaughn Road, #144 Montgomery, AL 36116 • 334-202-0114 www.primemontgomery.com ISSN 2152-9035
Prime Montgomery is a publication of The Polizos/Corley Group, LLC. Original content is copyright 2016 by The Polizos/Corley Group, LLC., all rights reserved, with replication of any portion prohibited without written permission. Opinions expressed are those of contributing writer(s) and not necessarily those of The Polizos/ Corley Group, LLC. Prime Montgomery is published monthly except for the combined issue of December/January. Information in articles, departments, columns, and other content areas, as well as advertisements, does not constitute an endorsement or recommendation by Prime Montgomery magazine. Items relating to health, finances, and legal issues are not offered as substitutes for the advice and consultation of health, financial, and legal professionals. Consult properly degreed and licensed professionals when dealing with financial, medical, emotional, or legal matters. We accept no liability for errors or omissions, and are not responsible for advertiser claims.
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August 2016 | www.primemontgomery.com
e all have a soundtrack for our lives, songs we heard at meaningful times in our lives, good and bad, that, when heard again, bring back a flood of memories. Since music meant - and means - so much to us, we should share it with our grandchildren. Regardless of our (or their) natural abilities, music is a language children can learn to appreciate, and connect with, well before they roll over, sit up, crawl or walk. While pregnant with our first child, I’d often sit at the piano, casually working my way through a handful of simple Sandra Polizos tunes I’d learned during two years of, well, disastrous, piano lessons. Bob would often play his guitar and sing to our in-utero child, and more than once I felt the eerie sensation of an arm or leg being moved, or a tiny body shifting. We chalked it up to the normal course of pregnancy. After our son was born, and our lives changed swiftly and dramatically — for the good — we’d lie on the floor with this little bundle watching in new-parent wonder as he learned to raise his head, turn over and eventually sit up. My piano recitals had been forgotten in the overwhelming rituals that developed — feeding, sleeping, changing diapers. One Sunday afternoon, our son now upright on the floor, I sat at the piano to plunk out a tune or two. I was largely ignored until I began one of the songs I’d played before he was born. To our amazement, he made a deliberate turn towards the piano, smiled, and attempted to make his way there. Before either of our grandchildren could walk, they’d be seated at the piano, in my lap, and introduced to the magical transformation of moment into music. They loved pressing the keys, hearing the results of their efforts, moving their stubby fingers from one key to the next, or rhythmically repeating a note over and over as they moved their head in time to the note. There was often little rhythm, rarely a discernible melody, and never any harmony.They were doing what children do best — playing— literally and figuratively. In the process they were also learning another form of communication, a way to express themselves, through the sounds made by the keys and the intensity and speed in which they were pressed. A recent grandchild day at the house resulted, as it often does, with a cacophonous trio of hands on the piano, me playing a simple melody while the young ones, fingers splayed out like small human fans, plinked and plonked their way up and down the keyboard. Bob grabbed his guitar, found the right chords, and began accompanying me. Both children loved the interaction of this ad hoc quartet. On their next visit, I again sat down at the piano, one grandchild in my lap, the older standing beside me, and began my usual rendition of long-ago tunes. When I started playing one from the previous week, the one for which Bob had provided accompaniment, the youngest grandchild turned, looked at Bob, and said “Papou, get you guitar.” Another music lesson learned. Now, go brush up on “Go Tell Aunt Rhody” and “She’ll Be Coming ‘Round the Mountain.” You’ve got a lot to share with those little ones. You may think your technique and ability leave much to be desired, but the sounds you create will truly be music to their ears. If you’re 50+ and on Facebook, become a fan of PRIME Montgomery!
August 2016 Table of Contents Grilled salmon with spiced almonds
Editor’s Note 4 Quick Reads 8
Gender brains, academics & genetics, more...
Yard ‘n Garden 11
Orchids: their care & feeding
A Gracious Plenty 12 Savory summer crunch!
More carbs than icecream?
Worst (& Best) Foods for Diabetics 14 Sherbert good? Think again.
Money Wi$e 17
Ready for retirement? Check out our checklist.
Generational Difference:You & Grandkids 18 What NOT to expect from your favorite little people.
Tinseltown Talks 22
Montgomery singer Toni Tennille Gym used by “The Bambino”
In Every Life 24
Are you ready for disaster?
Social Security 25
Social Security basics: Part 1 of 3
Hot Springs, AR 26
A baseball great, a gangster, and hot springs.
Crossword & Sudoku Puzzles 28 Answers on page 31
Medicare Q&A 29
What is “durable medical equipment?”
History Mystery 30
Who ARE these people?
Calendar 32 Advertiser Appreciation 33 Off the Beaten Path 34 Feather and fur
Officers & board members, Garden Club of AL, April 12, 1965 www.primemontgomery.com | August 2016
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Quick Reads Millennials Marrying Millennial children (born 1977-2000) whose moms wed young and stayed married, were eager to marry in their late teens or early 20s themselves. An Ohio State University study also indicated that for sons and daughters whose moms married young but then divorced, the children overwhelmingly hoped to marry, but wanted to do it later. The nationwide study included 2,581 moms and 3,914 of their children. After witnessing their parents’ divorce, researchers say the children may feel the need to take extra time and care in choosing a partner. The good news, said the study, is that those who wait longer are more likely to have lasting unions when and if they do marry. — The Ohio State University
Genetics & Academics Though academic achievement is dependent on cognitive abilities, such as logic and reasoning, researchers believe certain personality and character traits, such as grit or desire to learn, can motivate and drive learning. Such traits, according to a new study, are partially rooted in genetics. A University of Texas at Austin study found genetic differences among people account for about half of character differences. The remaining variation in character is influenced by environmental factors occurring outside the home and school. Until now, parenting and schooling have been suggested by research as likely explanations for character. The new research, which included more than 800 third- to eight-grade twins and triplets, suggests otherwise. — University of Texas at Austin Male & Female Brains Wired Differently While measuring brain activity with an MRI during blood pressure trials, researchers found men and women had opposite responses in the part of the brain integral to the experience of emotions, stress levels, and keeping blood pressure and heart rate high. The study’s lead author said they hadn’t expected to find such strong differences between men and women’s brains, raising several questions, such as why there’s a difference in brain pattern, and might it reflect differences in health issues for men and women, particularly in cardiovascular disease variations. — University of California, Los Angeles 8
August 2016 | www.primemontgomery.com
Why You Like Your Music For decades, neuroscientists have pondered whether musical preferences are hardwired into our brains. A new study suggests the answer is no, indicating musical tastes are cultural. Study authors said it was difficult to find people without exposure to Western pop music due to its diffusion around the world, but found suitable subjects in a remote Amazonian tribe whose members have little or no exposure to Western music. In the study, more than 100 people belonging to a tribe in the Bolivian rainforest were exposed to both dissonant and consonant chord combinations. Both combinations were judged as “likable” by tribe members. — Massachusetts Institute of Technology, Brandeis University
Hungry Parents The hungrier parents are at mealtimes the more they may feed their young children, which could have implications for childhood obesity. In a small pilot study of 29 children ages 3 to 6 and their mothers, University of Florida researchers asked the mothers to rate their hunger as well as their child’s hunger prior to a meal. Among women who were overweight or obese, those who rated their own hunger higher also perceived their child’s hunger as higher, and in turn, served their child larger portions of food. The findings appeared in the June issue of the Journal of Human Nutrition and Dietetics.
Teens & Hearing Loss Teenagers are increasingly experiencing tinnitus, often a symptom of hearing loss, as a result of using ear buds to listen to music for long periods every day, as well as frequenting very noisy places such as nightclubs, discos and rock concerts, according to a study performed in Brazil. Tinnitus is the medical term for perception of sound that has no external source. Many sufferers describe it as a ringing in the ears, others as whistling, buzzing, chirping or hissing. The study’s principal investigator, an associate professor of otolaryngology at the University of Sao Paulo’s Medical School, said if this teen generation continues to expose themselves to very high noise levels, they’ll likely suffer from hearing loss by the time they’re 30 or 40. — University of Sao Paulo Medical School
— University of Florida www.primemontgomery.com | August 2016
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Bou Cou & costumes (sizes toddler to adult)
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,
Ristorante
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Saturday 6 am-2 pm • 4:30-9 pm Tuesday-Friday 11 am-2:30 pm • 4:30-9 pm 6268 Atlanta Highway Montgomery AL• 334-356-4662
The perfect end to another great Mr. Gus’ lunch or dinner — homemade Chocolate Cake, Key Lime Cake, or Strawberry Cake.* (*Sorry. No photo of Strawberry Cake. It was already eaten!)
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August 2016 | www.primemontgomery.com
YARD ‘N GARDEN
A Beginners Guide to Orchids A By Charlene Beach
humidity. A window with a south or east exposure is preferred. s a child, I remember spending my summers in HaTemperatures should range between 70-80 F (day) and 55-65 F waii helping my grandfather and watering his many (night) with a relative daytime humidity orchids. I didn’t realize it at the of 40-70 percent. Gentle air movement is time, but the hours spent performing this Garden Help Line also necessary to cool the leaves and aid family chore would create a fondness for Questions about home gardening? in the evaporation of water on the plant, orchids, albeit decades later in my MontCall the Alabama Master Gardeners thereby reducing the risk of disease. A gomery home. FREE Help Line ceiling or oscillating fan is a great way to For most, orchids have the reputation 1-877-252-GROW (4769) keep the air moving. of being difficult to grow, but several of Monday - Thursday, 9 a.m. - 1 p.m. For the novice, providing the approprithese exotic and glamorous plants are reate amount of water can be challenging ally quite easy to care for once the basics because there are so many variables to are mastered. If you are like many, your consider — temperature, humidity, potting medium, type of first orchid was a gift, and you diligently followed the growing pot, etc. — but the problem of overwatering occurs more often. instructions on the plant label but to no avail. Unfortunately, Water thoroughly when the medium is dry to the touch. You labeling information tends to be very general and not overly can also use a sharpened pencil to determine if it is time to wahelpful for the beginner. However, you can achieve success in ter. Insert it one inch into the medium and turn it a few times. growing some of nature’s most spectacular plants if you follow If the pencil comes out damp you do not need to water. If the a few simple and basic guidelines. pencil is dry, it is probably time to water. Orchids for Beginners: Moth orchids (phalaenopsis) are When it comes to feeding your orchid, it is probably best to the most popular, easiest to grow and highly recommended feed it every time you water it using a water-soluble fertilizer for the novice. They offer what we all love about orchids; they half the strength recommended on the label. Over the years, bloom for long periods of time (weeks to months), they come I have had the best results using fertilizers specifically formuin numerous colors, they have lush green foliage, and they are lated for orchids. well-suited to most home environments. Resources: For more information about orchids, the books Select a Healthy Plant: Buying an orchid is no different than and periodicals in your local library are a great place to start. buying any other plant. You would not purchase a plant that Members of garden clubs, master gardener associations, and has discolored or wilted leaves or evidence of insects, mites, orchid societies can answer your questions as well as the staff fungi, or bacteria. The same is true when buying an orchid. of your local County Extension Service. Unlike most plants, the roots of an orchid are visible because they are epiphytes, so examine the roots to be sure they are not Charlene Beach, an Intern in the 2016 mushy or unusually dark (black) in color. Master Gardener Class, lives in MontThe Environment: Selecting an orchid that is suitable for your region is also important but can be difficult because there gomery. For more information on becoming a master gardener, visit www. are literally thousands of different types of orchids available. capcitymga.org or email capcitymga@ An orchid that is found in a tropical rain forest is probably gmail.com. not going to do well in the desert conditions of the southwest. With this in mind, 1) is a suitable environment readily available in your home or, 2) do you want to create an environment by controlling light, temperature, and humidity? Remember, there are limits to modifying the growing environment and, for the beginner, it is probably best to select an orchid that is suitable for the current home conditions. Caring for your Orchid: The orchid you purchase and bring home has to adjust to its new surroundings. Recreating the green house environment in which it was grown is not necessary, but the less stress during this transition the better. Be sure there is sufficient light with the appropriate temperature and www.primemontgomery.com | August 2016
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A GRACIOUS PLENTY
Savory Summertime Crunch W
ith warm weather, cravings trend toward fresh, seasonal flavors and lighter fare. In between the backyard gatherings and pool time, summertime meals enjoyed outdoors are a great way to get family and friends together. Whether it's a refreshing salad tossed with sweet candied walnuts or a fillet of mouth-watering salmon topped with curried almonds, nuts are the perfect way to add texture and crunch to any dish. These easy-to-make, summer-inspired recipes, created by Food Network celebrity chef Alex Guarnaschelli in partnership with Fisher nuts, will leave your guests asking for more.
Grilled Salmon with Spiced Almonds Prep time: 15-20 minutes | Cook time: 20-25 minutes | Servings: 6
Yogurt Sauce n 1 cup Greek yogurt n 2 teaspoons red wine vinegar n 2 teaspoons chopped fresh dill n 1 tablespoon chopped fresh mint n 1/4 teaspoon ground cumin n 1/2 teaspoon paprika n kosher salt n 1 small cucumber, seeded and small diced
Almonds n 1/2 cup sliced almonds n 1 teaspoon extra-virgin olive oil n 1/4 teaspoon curry powder n 1/8 teaspoon paprika n 1/8 teaspoon ground cumin n kosher salt
To make yogurt sauce, whisk yogurt, red wine vinegar, dill, mint, cumin and paprika in medium bowl with a pinch of salt. Taste for seasoning and adjust as needed. Stir in cucumber. Set aside. Heat oven to 350 F. Heat grill to medium. In small bowl, toss almonds with olive oil, curry powder, paprika, cumin and a pinch of salt. Spread almonds on baking sheet and toast until golden brown, about 5-8 minutes. Arrange salmon fillets on baking sheet. Season fish on both 12
August 2016 | www.primemontgomery.com
Salmon n 2 3/4 pounds salmon, cut into 6-ounce portions n kosher salt n freshly ground black pepper n 2 tablespoons extra-virgin olive oil n 1 large lime
sides with salt and pepper. Drizzle with oil. Place salmon on grill and allow to cook until fillets start to lightly char, 5-8 minutes. Use metal spatula to gently flip salmon. For medium well or well done, cook a few minutes longer. If desired, grill limes as well. To serve, remove fish from grill and transfer to serving platter. Sprinkle fish with a squeeze of lime juice and curried almonds. Serve yogurt sauce on the side.
Courtesy: Family Features. Source: Fisher Nuts
Red Leaf Salad with Candied Walnuts and Grapes Prep time: 20-25 minutes | Cook time: 15 minutes | Servings: 6-8
Nuts n 1/2 cup sugar n 1/8 teaspoon cayenne pepper n 6 tablespoons water n 1/2 cup walnut halves and pieces n 1/2 teaspoon salt
Dressing n 1/2 cup walnut halves and pieces n 2 tablespoons fresh lemon juice n 2 tablespoons walnut oil n 1/4 cup extra-virgin olive oil n kosher salt n cracked black pepper
Welcomes D r. W a r e Montgomery native Dr. Ashley H. Ware graduated from Saint James Dr. Ashley Ware School and the U. of Mississippi, graduating with honors from the U. of Alabama Birmingham’s School of Optometry with the prestigious Contact Lens Practice Achievement Award. Dr. Ware completed an externship at Montgomery’s VA Hospital and clinical externships in private practice, developing expertise
in the diagnosis and treatment of ocular diseases. Dr. Ware is licensed by the AL Board of Optometry, holds a certificate from the National Board of Examiners in Optometry, and is a member of the American Optometric Assn., Southern Council of Optometrist, AL Optometric Assn., and the East Central AL Optometric Society. Dr. Ware, husband Christian Ware, and their two-year old son Charlie returned to Montgomery in 2012.
4255 Carmichael Court N. 8007 U. S. Highway 231 Montgomery • 334-277-9111 Wetumpka • 334-567-9111 For a free copy of ITEC’s Viewpoint newsletter call 334-277-9111. Visit ITEC’s website at www.eyes-itec.com
Salad n 1 cup seedless red grapes halves n 2 medium heads Bibb or red leaf lettuce, washed, dried and torn into pieces n 1 small head radicchio, cored, leaves separated and torn into pieces n 1/2 cup shaved Parmesan cheese To candy walnuts, line cookie sheet with parchment paper; set aside. In medium skillet, simmer sugar, cayenne pepper and water over medium-high heat until it turns golden brown, about 15-20 minutes. Stir walnuts into caramel using wooden spoon. Spoon nuts onto parchment paper and season with salt. Cool then pull nuts apart into smaller pieces. Prepare dressing by placing walnuts in bowl of small food processor and pulsing. Add lemon juice, walnut oil, olive oil, a pinch of salt and some black pepper. Pulse to blend. Taste for seasoning and adjust as needed. To assemble salad, toss dressing with grapes and lettuces. Top with candied walnuts and cheese. www.primemontgomery.com | August 2016
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( t s a r o 10 W or Bensdt 5
FEATURE
f s d o Fo iabetics D
)
By Sue Cotey, RN, and Andrea Harris, RN
I
f you have diabetes, in many ways your diet is your medicine. As diabetes educators, we help patients understand what food and beverage choices are best to avoid. When foods are high in carbohydrates, fat and sodium, they increase your risk for high blood pressure, high cholesterol, weight gain, heart disease and uncontrolled sugar. Top 10 Offenders Sweetened drinks. These include regular pop/soda, fruit punches and iced teas. These are loaded with sugar and calories, and they usually have little or no nutritional value. Instead, try infusing plain water with different berries and fruits so you can enjoy the natural sweetness. “Designer” or specialty coffee drinks – including frappuccinos or cappuccinos. That “once a day special treat” can add up to lots of extra sugar, calories and saturated fat. Instead, go for straight java, either black, with artificial sweetener or a small splash of skim milk. Whole milk. It has too much fat, which can lead to weight gain. Switch to 2 percent, 1 percent – or even better: skim milk. Keep in mind that one cup of skim milk has 12 grams of carbohydrates. If you don’t like milk or are lactose intolerant, you can drink almond milk, rice milk or soy milk instead—but remember to get the low sugar varieties. Packaged lunch meats. These are also high in saturated fat and sodium. Check your deli for low sodium meats—or better yet use sliced meat that you’ve roasted at home to make your sandwiches. Also remember that sandwich toppings can be very unhealthy too (think high-fat mayonnaise). Instead add flavor to your sandwiches with mustard, veggies and/or a little bit of hummus.
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Hot dogs. These grilled little favorites are still high in saturated fat and sodium—yes, that even includes turkey dogs! Try to avoid them or eat them only occasionally. Sweetened cereals. These are high in carbohydrates because of the added sugar. Go for the plain cereals and add a little fruit or artificial sweetener. Regular pancake syrup. It’s very high in carbohydrates. Light or low-calorie syrup usually contains at least half the carbs of regular. And with these lighter syrups, remember that the serving size is small, and generally only one. Take a look at the food label and use sparingly. Sherbet. Many people believe sherbet is a good alternative to ice cream, but a half cup of sherbet has almost double the carbohydrates of a half
cup of ice cream. Fast food baked potatoes with all the fixin’s. You take a relatively healthy item—the plain baked potato—and add cheddar cheese, butter, sour cream, ranch dressing or bacon and it just turned into a high-sodium, fat laden disaster. The same goes for nachos and other cheese-covered appetizers when eating out. Anything fried. We know fried foods are bad for us, but for people with diabetes, they are the worst. The fat is absorbed into the food and leads to high cholesterol and weight gain. Fried foods cause diabetes and fried foods make diabetes worse. This goes for everything from French fries to fried chicken to that panko-crusted tilapia at your favorite restaurant. Now for the best foods…
www.primemontgomery.com | August 2016
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kidney, lima, navy, pinto and white. They are loaded with fiber and protein, which will help you feel full with fewer calories. ½ cup cooked = 1 carb serving
All of the foods on our list have a low glycemic index (which represents the total rise in a person’s blood sugar level after eating the food) and provide important nutrients you need to stay healthy. Sweet potatoes. A great source of vitamin C, potassium and fiber. Add cinnamon, cloves, nutmeg or allspice for extra flavor. ½ cup cooked sweet potato = 1 carb serving. Cruciferous vegetables. These include broccoli, cabbage, cauliflower, kale and Brussels sprouts. These non-starchy vegetables are rich in potassium, folate and vitamin C. 1 cup raw or ½ cup cooked = < 1 carb serving. They are just 5 grams of carbohydrate and 15 grams is one carb serving so you can load up on these!
Nuts. Especially walnuts, almonds and pecans. They are a great source of protein, vitamins, minerals, fiber, healthy fats and antioxidants and they reduce LDL cholesterol and promote heart health. Consume in small amounts as they are high in calories. Add to salads, oatmeal and yogurt. If you are trying to watch your calorie intake, buy the 100 calorie packets in a box. They may cost a little more, but they help with portion control. 1 serving = 1 carb Berries. They are full of antioxidants, vitamin C and fiber. Add to salads, cereal, summer desserts and yogurt. 1 cup of strawberries, blue berries or raspberries = 1 carb serving.
Legumes. These include a variety of beans such as black, garbanzo,
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Low Vision Evaluation Diabetic Retinopathy Stargardt’s Disease Glaucoma Stroke
Call (844) 825-2020 George Eischens, O.D. www.LowVisionAlabama.com 16
August 2016 | www.primemontgomery.com
Courtesy: The Cleveland Clinic Health Hub
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MONEYWI $ E
Retirement Decision Checklist
P
eople approaching retirement often must make a lot of decisions. While selecting the best option in each category can enhance one’s future financial situation to a meaningful degree, a bunch of sub-optimal picks will produce the opposite. Among the challenges are: A. Most people only face these choices once in life and may be unfamiliar Alan Wallace with the implications and complications (including income tax consequences) of their decisions; B. Some of the choices cannot be changed once they are made; C. The sequence in which one evaluates the options and makes elections can be important. Even identifying all of the decisions to be made so that they can be handled in a coordinated manner can be difficult. For that reason, this column provides a checklist of common retirement planning decisions that may impact you if you are at or approaching retirement. Assets & Liabilities q How should I/we reposition investments as retirement nears or has occurred? q What should I/we do with assets in employer-sponsored retirement plans other than traditional pensions (401(k), profit sharing plans, etc.)? q What should I/we do with assets in taxable saving & investment accounts? q How much do I/we need to hold as a liquid reserve to handle emergencies? q What should I/we do about our home? Where am I/are we going to live? q What should I/we do about the home mortgage? Should I/we use a Home Equity Conversion Mortgage? q What should I/we do about any non-mortgage debt? q What should I/we do with other employer-sponsored benefit programs (life, disability or medical insurance, non-qualified savings programs, stock ownership, stock options, etc.)? q What should I/we do with individually-owned or trustowned life insurance? q What should I/we do with any other assets owned in trust? q What should I/we do with any annuities? q Do I/we need to dispose of property or other assets that will be too expensive or difficult to maintain? q What do I/we do with any business interest that I/we own?
Income & Expense Planning q When should I/we start taking Social Security retirement benefits? q What elections should I/we make with benefits payable under any employer-sponsored traditional pension plan? q Will I/we continue to work and earn money during retirement? If so, what are the specifics—how much, how long, etc.? q How will my/our expenses change? q How will my/our income tax picture change? q How should I/we coordinate income to best advantage? q When should I/we stop working? q When should I/we claim any unused leave? q What should I/we do about Medicare and supplemental health insurance? q What should I/we do with individually owned disability insurance? q How will I/we spend our time and what are the associated costs? q Can I/we afford to retire? q How long will my/our resources sustain us? q What is my/our plan if our resources start running low? q What will I/we do in the event of a need for long-term care? q How will I/we handle requests for financial assistance from children and/or grandchildren? q If married, how do I make sure that my spouse has adequate resources if I die first? Other q Is my will/Are our wills up to date? q Do I/we have a current durable power of attorney and advance healthcare planning documents? q Are my/our beneficiary designations appropriate for all life insurance, annuities and retirement accounts? q What financial legacy do I/we want to leave our heirs and how will that happen? Given the complexity of the retirement planning and decision-making process and the risks associated with the consequences of the choices, many people choose to get professional guidance as they work through the process. Improving the quality of the decisions by even a modest degree, not to mention the “peace of mind” factor that everything has been reasonably addressed, can more than pay for the cost of competent, objective counsel. The more options and issues one faces, the less likely it is that retirement planning is a great doit-yourself financial project. Alan Wallace, CFA, ChFC, CLU, is a Senior Private Wealth Advisor for Ronald Blue & Co.’s Montgomery office, www.ronblue.com/location-al. He can be reached at 334-270-5960, or by e-mail at alan.wallace@ronblue.com. 4417292-03-16 www.primemontgomery.com | August 2016 17
FEATURE
Generational Differences
8 Things Your
Grandkids Donâ&#x20AC;&#x2122;t Do By Kristen Sturt
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August 2016 | www.primemontgomery.com
M
illennials better make way. There’s a new cohort in town. Generation Z — a.k.a. the grandchildren of Baby Boomers — were born after the mid-'90s, and are starting to graduate high school and enter college. They’re realistic, tech-savvy, communityminded, and very different from previous peer groups, in good ways and bad. Read on to discover some surprising differences between your grandkids and the folks who came before them. Because there’s never been a gen like Gen Z. They don’t leave messages. No one’s left you a voicemail lately. Your own messages go unanswered. You keep seeing internet articles like "An Open Letter To All The Idiots Still Leaving Voicemails" and "Don't Leave Me A Voicemail Unless You're Dying." Sense a trend? Here's the deal: Unless it’s from your doctor, voicemail is passé. Folks under 40 dislike leaving messages, and cite wasted time, spam messages, and performance anxiety as reasons they no longer do so. It’s become so widespread that one New York City etiquette school has to teach professional voicemail skills in class. The biggest cause, though? Fewer young people make phone calls, period. In a 2012 Pew survey, just 39 percent of teenagers reported talking to friends and/or family on the phone every day. In contrast, 63 percent text daily. As for email… They don’t send emails. Wondering why it’s been so long since you’ve received an email from your grandkids? You and everybody else. According to Pew, just 6 percent of teenag-
ers use email daily for casual communication, preferring to text or reach out over social media platforms like Snapchat and Whisper. What’s more, many young people don’t send their first email until high school or college now, when they absolutely have to for school or business. "Overwhelmingly, they [treat] email as a readonly medium," says The Wall Street Journal scribe Christopher Mims, "until they [have] to use it to communicate with adults." They don’t eat poorly. This may come as a shock to those of you with grandchildren in the chicken nugget and PB&J years (a.k.a. ages 2-5), but Gen Z wants fresh food made from scratch, with lots of fruit and vegetables. Yes, you read that right. Fruit. Vegetables. Home cooking. Your grandkids know lots about nutrition and care about the environmental repercussions of their meal choices, too. They prefer Chipotle (fast casual) to McDonald’s (fast food), and want pancakes (hot and fresh) over cereal (cold and processed) for breakfast. They’re more interested in ethnic meals—especially Mexican—than previous generations, and many consider themselves foodies. All in all, not bad for their health (though maybe a little tougher on your wallet). They don’t get chickenpox. Odds are, somewhere on your being is a
www.primemontgomery.com | August 2016
19
pockmark—a fleshy divot of evidence that you were among the millions of Americans who caught, survived, and were permanently disfigured by that itchiest of childhood maladies: chickenpox. Thanks to the varicella vaccine, most of your grandchildren will never know the agony of the scarlet spots, or the weird luxury of bathing in oatmeal. According to the Centers for Disease Control (CDC), 3.5 million cases of chickenpox are prevented by the shot annually, not to mention 98 percent of chickenpoxrelated deaths. Of course we say "most of your grandchildren" because chickenpox has reemerged in places like Florida, Indiana, and Michigan, due in large part to the anti-vaccination movement. That’s bad news for infants, especially; they’re too young for shots, and most at risk for catching the illness. They don’t smoke cigarettes. In 1997, the national Youth Risk Behavior Survey found that 36.4 percent of high school students smoked cigarettes, and 16.7 were considered frequent smokers. By 2013, smokers dropped to 15.7 percent, and frequent smokers plummeted to just 5.6 percent. While this is undeniably great, it’s important to note that use of electronic cigarettes, or e-cigarettes, is up. Sixteen percent of high schoolers used the products at least once per month in 2015, a sharp increase from just 1.5 percent in 2011. Bonus: Your grandkids don’t drink or fight nearly as much as previous generations, either.
They don’t write in cursive. Brace yourselves: Many kids can’t even read the swirly writing style. More than 40 states don’t have a cursive requirement, and teachers say the subject is being crowded out by accelerated testing and more important topics like science and math. While proponents of cursive argue that it helps hand-eye coordination and improves memory, many see typing as the more important skill given our reliance on computers, phones, and other keyboard-based electronics. Before you judge, consider this: You might have beautiful handwriting, but your grandkids can probably bang out their homework before you even finish your signature. They don’t mess around with money. Generation Z grew up in strained financial times. They know income doesn’t just happen, and it can disappear as quickly as it was earned. As a result, they’re much smarter about cash flow than previous generations. In one survey of 1,000 kids aged 12-19, 77 percent claimed they save money whenever they have it. What’s more, they tend to: n research purchases online n be hyper-aware of being sold to
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August 2016 | www.primemontgomery.com
stress about college costs worry about the job market and want to intern That said, Gen Z’s job requirements don’t focus on money alone. In multiple polls, they name flexibility and social dogooding as priorities for employment.
whopping 94 percent do their banking online, while 38 percent use apps to pay for goods and services. And while they visit banks for ATM machines, 27 percent of your grandkids say they’d consider using a "branchless digital bank"—or, one with no physical building at all.
They don’t write checks. Confession: We wrote this article because we recently discovered that a twenty-something grandparents.com coworker has never written a check. According to a survey conducted by commerce experts First Data, she’s not alone. They found that more than 20 percent of Millennials, "have never even written a physical check to pay a bill." They’re much more comfortable shelling out cash via the Internet; a
Special note to grandparents: Gen Z is still A-OK with receiving checks (especially in birthday cards), so don't worry about sending ‘em.
n n
• •
Walt Disney
graduates from high school
1st Class Mail
•
rises to 3 cents an ounce
Chris’ sells their first hotdog
99 years
& counting
In the year 1917...
Courtesy: grandparents.com, a lifestyle site that celebrates the grandparent community by providing trusted information about family & relationships, health & well-being, travel & retirement, and more. Follow the site on Twitter (@grandparentscom) and on Facebook (facebook.com/grandparentscom).
138 Dexter Ave. • Montgomery • 334-265-6850 www.primemontgomery.com | August 2016
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TINSELTOWN TALK
Toni Tennille Montgomery, Hollywood, Florida By Nick Thomas
S
he put the “Tennille” in the popular 70s music duo of “The Captain and Tennille” and enjoyed two huge number one Billboard hits – “Love Will Keep Us Together” and “Do That to Me One More Time.” But Toni Tennille also brushed shoulders with Hollywood’s biggest stars. Born and raised in Montgomery, Toni recently left five decades of West Coast life behind her, as well as nearly 40 years of marriage to musical partner Daryl “The Captain” Dragon, and returned to the South. “I’m now living just northeast of Orlando near my sister,” said Toni who released her April autobiography “Toni Tennille: A Memoir” written with niece, Caroline Tennille St. Clair (see www.tonitennille. net). “It took 2 years to write and looks back at my childhood growing up in the segregated South,” she said. After arriving in California in 1961, Toni worked in Repertory Theater, wrote music, and eventually met and married musician Daryl Dragon. When The Captain and Tennille exploded onto the pop music scene in 1975, they were given their own primetime weekly TV variety show on ABC also called “The Captain and Tennille.” Toni says working with the weekly guests was a highlight. “I was so excited about meeting all those fabulous stars like George Burns and Bob Hope.” A reoccurring skit throughout the series was “Masterjoke Theater,” where a guest would perform a short monologue and close by tossing a pie in his own 22
August 2016 | www.primemontgomery.com
Above: George Burns with Toni Tennille and Daryl “The Captain” Dragon on “The Captain & Tennille Show.” Far Left and Below: The Captain & Tennille, the early years. Left: Toni Tennille with niece and book co-author Caroline Tennille St. Clair.
face. “Big stars like Vincent Price, Raymond Burr, Bob Hope, and Tony Randall were all game to be silly.” The show, however, only lasted one season. But with her cheerful and engaging personality, Toni was back on television again in 1980 starring in her own program, “The Toni Tennille Show,” a nationally syndicated series featuring musical numbers and her interviews with special guests. She also drew on advice her mother had offered years before. “She once told me: ‘Toni, always be really nice to your lighting guys, because they can make you look like an old hag if they want!’ So that’s what I did.” The show only lasted a year, too, but the parade of stars was once again stellar and included Ginger Rogers, Ernest Borgnine, and Charlton Heston. However, one of her most memorable encounters occurred off-screen at Dodger Stadium in 1978. “I used to sing the National Anthem there,” she recalled. “I was sitting at a table during one of the events and a man came up to me and said ‘Miss Tennille, I’m Cary Grant. I just wanted to tell you that I have never heard the National Anthem sung more beautifully.’ Wow, such high praise from Cary Grant. And I found it so endearing that he felt the need to introduce himself to me!” Her glitzy entertainment career now in the distant past, Tennille, 75, says she found the perfect house last summer after moving to Florida, and easily slipped back into Southern living. But her decision to divorce Daryl in 2014 took many fans by surprise, as the
duo was publicly perceived as a devoted couple performing their string of love songs for years. However, says Toni, throughout the marriage there were problems that became overwhelming, so it was time to move on. “We were not the lovebirds that the public saw,” she said. “We still talk regularly and care for each other. But my message for people who are in a bad relationship is to get all the help you can to remove yourself from the situation. We all deserve happiness.” Nick Thomas teaches at Auburn University at Montgomery, and has written features, columns, and interviews for more than 600 magazines and newspapers.
www.primemontgomery.com | August 2016
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IN EVERY LIFE
Preparing for the Unexpected
A
t this time of year, there is increased awareness of risk for threatening events such as severe weather. However, unanticipated events can occur at any time. Arlene Morris For example, power outages during extreme heat or cold, contaminated water supply, or a sudden change in your health or that of a close friend or relative can require a rapid departure from your home. Consider the following questions:
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Are you prepared to quickly leave your home for an undetermined time? Do you and your family have a plan for contacting one another in a sudden event? Do you and your family members know the location of important documents or other valuables? Do you have a plan and supplies for caring for pets during emergency events?
The Centers for Disease Control and Prevention and the Alabama State Department of Public Health (see ‘Resources’) provide downloadable material to assist with preparation. At a minimum, each person should stock a lightweight container (such as a backpack or small rolling suitcase) with the following items:
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list of names, addresses & phone numbers for family or friend contacts; list of medications, purposes, dosages, and times they are taken; 3-7 day supply of current medications (change the medications in the container at least every month to assure freshness); papers that explain any health
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August 2016 | www.primemontgomery.com
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you can readily move to a vehicle. A key point is that each person has a personal bag that includes identification, information for emergency contacts and healthcare needs, food and water, and especially that each person knows the location to quickly grab the bag and leave the house. Set a date at least twice a year to check expiration dates and refresh supplies. Discuss and practice the response you will take, such as how to evacuate, a designated location to meet, how to shut off water to your home, and any other individual needs. Preparation is fundamental for a rapid response to the unexpected.
condition and your individual care needs; healthcare supplies (syringes, wound care, assistive devices & extra batteries); water, non-perishable food, a manually operated can-opener, and utensils; radio, flashlight and extra batteries; cell phone and chargers, including adapter for car charging; first aid kit, blanket, whistle; personal care items such as disposable wipes, soap, toothbrush and toothpaste; extra cash and extra keys for car, house, safety deposit box, or other possible locations; change of clothes, including rain jacket or parka and supportive shoes; copies of important documents in a water-proof container such as a large zip-lock bag.
Arlene H. Morris, EdD, RN, CNE is Professor of Nursing, Auburn Montgomery School of Nursing. Reach her at amorris@ aum.edu. Resources Centers for Disease Control and Prevention http://emergency.cdc.gov/
Creating a bag for each person with supplies needed for that individual is helpful should you become separated. However, you can also prepare a clearly labeled larger container with additional food, water and other needed items that
AL Dept. of Public Health http://www.adph.org/CEP/assets/ EmergencyPrepGuide.pdf
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SOCIAL SECURITY
Social Security Basics: Part 1 of 3
Q
uestion: I served in the military, and I’ll receive a military pension when I retire. Will that affect my Social
Kylle’ McKinney
Security benefits? Answer: You can get both Social Security retirement benefits and military retirement at the same time. Generally, we don’t reduce your Social Security benefits because of your military benefits. When you’re ready to apply for Social Security retirement benefits, go to www. socialsecurity.gov/applyonline. This is the fastest and easiest way to apply. For your convenience, you can always save your progress during your application and complete it later. And thank you for your military service! Q: How are my retirement benefits calculated? A: Your Social Security benefits are based on earnings averaged over your lifetime. Your actual earnings are first adjusted or "indexed" to account for changes in average wages since the year the earnings were received. Then we calculate your average monthly indexed earnings during the 35 years in which you earned the most. We apply a formula to these earnings and arrive at your basic benefit. This is the amount you would receive at your full retirement age. You may be able to estimate your benefit by using our Retirement Estimator which offers estimates based on your Social Security earnings. You can find the Retirement Estimator at www.socialsecurity.gov/estimator. Q: I know that Social Security’s full retirement age is gradually rising to 67. But does this mean the “early” retirement age will also be going up by two years, from age 62 to 64? A: No. While it is true that under current law the full retirement age is gradually rising from 65 to 67, the “early” retirement age remains at 62. Keep in mind, however, that taking early retirement reduces your benefit amount. For more information about Social Security benefits, visit the website at www.socialsecurity. gov/r&m1.htm.
Q: I want to estimate my retirement benefit at several different ages. Is there a way to do that? A: Use our Retirement Estimator at www.socialsecurity.gov/estimator to get an instant, personalized retirement benefit estimate based on current law and your earnings record. The Retirement Estimator, which also is available in Spanish, lets you create additional "what if " retirement scenarios based on different income levels and “stop work” ages. Q: Why doesn’t my estimate using the Retirement Estimator take into account my work as a teacher? I’ve worked for 20 years for the state and thought it would count. A: If you work for a state or local government agency — including a school system, college, or university — your earnings may not be covered by Social Security. If you are covered only by your state or local pension plan and you don't pay Social Security taxes, your earnings won't be shown on your Social Security record. (Your record will show your Medicare wages if you pay into that program.) For information on how your pension from non-covered state or local employment may affect the amount of your Social Security benefit, you can visit www.socialsecurity.gov/retire2/ wep-chart.htm Kylle’ McKinney, SSA Public Affairs Specialist, can be reached by e-mail at kylle.mckinney@ssa.gov. www.primemontgomery.com | August 2016
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FEATURE
Hot Springs: Where All is Possible
Hot Springs National Park encompasses part of the city of Hot Springs.
Story by Andrea Gross | Photos by Irv Green
I
come to Hot Springs with an agenda. I want to relax in the curative waters, find a diamond and go home refreshed and rich. After all, one of the world’s greatest baseball players as well as many of the world’s most notorious gangsters have found the waters restorative. As for diamonds, just last year a man found a 6.19-carat jewel in a nearby park. Here, I figure, all is possible. Of course, there’s a close relationship between possibility and luck, and Hot Springs is undeniably lucky. Located on the eastern edge of Ouachita National Forest, fifty miles from Little Rock, it’s surrounded by such natural beauty that in 1832 Andrew Jackson designated it a “special reservation.” As a result, Hot Springs claims the title of the country’s oldest national park. It’s also the smallest, only seven times the size of New York City’s Central Park. To see how this compares to the larger countryside, we climb 306 steps to the third level of the Hot Springs
Tower. There, below us, is a smattering of buildings surrounded by miles and miles of green forest and sparkling lakes. The town is special—and small. But while many places are surrounded by beauty, Hot Springs is also home to 47 springs that send 700,000 gallons a day of mineral rich water into its fountains, and indirectly fill its coffers as well. This is the real source of the town’s luck. During its heyday in the 1920s and ‘30s, bathhouses promising therapeutic soaks that could cure ills from bunions to syphilis attracted the rich, the famous and the infamous. They came for the baths, but they stayed for the fun. Gambling and prostitution became major industries. Sports stars like Babe Ruth frequented the casinos and bars at night and sought hangover relief in the baths in the morning. Gangsters like Al Capone made deals with bootleggers who had stills in the nearby forests. By the time the feds cracked down in the 1960s,
The springs provide uncontaminated water for public use.
At one time there were eight bathhouses in Hot Springs.
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August 2016 | www.primemontgomery.com
Babe Ruth and other baseball greats worked out in the Arlington Hotel gym when they were in town for spring training. Hot Springs had the largest illegal gambling operation in the U.S. We stop at the Arlington Hotel to see the room where Ruth worked out when he wasn’t sweating out and where Capone stayed when he was hanging out. A stop at the Gangster Museum, filled with an old roulette table, vintage slot machines and other tools of the trade, provides us with gossipy tidbits on Capone and his fellow mobsters, including Charles “Lucky” Luciano, Frank Costello, and Owney “The Killer” Madden. A quote by Mae West, who The Killer bankrolled, protected and romanced, tells us he was really a sweet guy but could be “oh so vicious.” I’m not sure if Ruth and Capone bathed at the Arlington or at the Buckstaff, which is the only one of the eight original bathhouses still operational, but my husband isn’t interested in following the footsteps of Capone anyway. Thus, I opt for the Buckstaff, which is right across the street. The attendant asks me what kind of treatment I’d like. “I’ll have what Mae had,” I say. She tells me to disrobe. Nudity isn’t on my agenda, but I meekly follow her instructions, and she spends the next 90 minutes making sure that I’m thoroughly rubbed, pummeled and pampered. A long soak in 100º water is followed by a loofa rub, hot blanket wrap, sitz bath, vapor cabinet experience and needle shower. I emerge feeling more like a survivor than a star. A great big diamond might help me feel, or at least look, more like a star, so we head to Crater of the Diamonds State Park. More than 75,000 diamonds have been found in this field since 1906,
The Gangster Museum tells the story of Hot Springs’ gamey past. when the first one was discovered. Best of all, what you find, you get to keep. The rules state that visitors can walk around and hope they spot a glittering rock, rent a small tool and search through the loose surface soil, or use special equipment and dig deep, an activity that is best for those who have previous experience. Since we have no previous experience, I stroll and search, my husband digs and hopes, and after an hour we both come up empty-handed, dusty and in need of cleansing, if not restorative, baths. En route back to our motel, we stop at McClard’s, the local barbecue joint that Bill Clinton, who grew up in Hot Springs, claims is one of the best restaurants in the world. The waitress tells us Bill favored the chopped beef sandwich with a side of beans. “Even when he was a devout vegan, he’d come in and sneak a bite of our barbecued beef,” she says. Bill’s beef-and-beans sets us each back $10.13, including tax. It’s true. In Hot Springs, all things are possible. We can have a world-class meal even if we didn’t find any diamonds. www.hotsprings.org For more on these and other Arkansas attractions, go to our companion website, www.traveltizers.com.
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PRIME DIVERSIONS ACROSS 1 Principal introduction? 5 Ladybug lunches 11 Handle for a chef? 14 “Yikes!” 15 Bully 16 ‘60s-’70s news focus, informally 17 Allowance for food, vet visits, etc.? 19 Old sports org. using colorful balls 20 Place to play 21 PC key 22 Some execs 23 Bedtime for bats? 27 Annual New England attraction 31 Mutt 32 “__ a traveler ...”: “Ozymandias” 33 Dolts 36 First Poet Laureate of Vermont 40 Threw a tantrum at ballet school? 43 You might wake up to one 44 Satirist once dubbed “Will Rogers with fangs” 45 Heavily sit (down) 46 Draft choice
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48 Lost it 50 Decisive “Star Wars” victory? 55 Eclectic online reader 56 Slime 57 Treacherous type 62 Beads on blades 63 Answer to “What did people listen to during the Depression, se-or?”? 66 Poetic preposition 67 Landlocked African country 68 When some ties are broken, briefly 69 Clear 70 Grant 71 Part of CSNY DOWN 1 “Up in the Air” Oscar nominee Farmiga 2 Aircraft pioneer Sikorsky 3 Give in 4 Ideal world 5 Diplomatic VIP 6 Little, in Lille 7 Went after 8 Hastings hearth 9 Tab alternative 10 Play area 11 Muddled situation
12 Fife-and-drum corps instrument 13 It has a med school in Worcester 18 Avis adjective 22 Crooked 24 Awestruck 25 They might cause jitters 26 Snit 27 Maine forest sights 28 Arabian sultanate 29 Toy for an aspiring architect 30 Repeat 34 DOT agcy. 35 The “e” sound in “tandem” 37 Ceramic pot 38 Dinner on the farm, maybe 39 Enter, in a way 41 Where to nosh on a knish 42 Wire service?: Abbr. 47 Captivate 49 St. Petersburg’s river 50 More boorish 51 Comic Cheri 52 Single 53 Some floats 54 Essence 58 “Let’s do it!” 59 C-ctel fruit 60 They may be inflated 61 Author who created Zuckerman 63 Barbecue seasoning 64 Prefix with meter 65 Carpenter’s tool © 2016 TRIBUNE CONTENT AGENCY, INC.
Sudoku and Crossword Puzzle Answers on page 31. August 2016 | www.primemontgomery.com
MEDICARE
Marci’s Medicare Answers Durable Medical Equipment Dear Marci, Q: My doctor recommended that I get a manual wheelchair to get around my home. Does Medicare cover wheelchairs? If so, what do I need to do so that they will cover it? A: Yes, Medicare covers wheelchairs. Wheelchairs, and other items such as walkers and oxygen equipment, are known as durable medical equipment (DME). If you have Original Medicare, DME is covered by Part B (medical insurance). If you have a Medicare Advantage Plan, it covers everything that Original Medicare covers, but may have different costs and rules. Medicare covers durable medical equipment that is: n durable, meaning you can use it again; n designed to help your medical condition or injury; n meant for use in your home, although you can use it outside the home; n likely to last for three years or more. There are a few steps to follow to get Medicare to cover your DME: 1) your doctor must prescribe the equipment and certify that you will need to use the equipment in your home; 2) you should get your DME from an appropriate supplier. For Original Medicare, this depends on where you live. If you live in a region that is part of the competitive bidding demonstration, you will have to get your DME from a supplier that participates in the program. If you live in a region that’s not part of the demonstration, you must get your DME through a supplier that has approval from Medicare. You can find a Medicare-approved supplier by visiting www.medicare.gov/ supplier. If you have a Medicare Advantage Plan, you should contact your plan to find a certified supplier. You will usually rent
your equipment from a supplier. For Original Medicare, you pay 20 percent of the cost of the rental fee for 13 months, and then you are usually given ownership. If you are paying a monthly rental fee for your equipment, your supplier must perform all needed repairs and maintenance requiring the work of a professional—without charging you extra. If you own your equipment, Original Medicare will pay 80 percent of the Medicare-approved amount for repairs and maintenance, and you will be responsible for the 20 percent balance. If you have a Medicare Advantage Plan, you may pay a fixed rate or a co-insurance to rent or buy your DME. You can contact your Medicare Advantage Plan to learn about costs and coverage of DME. Overall, it is important to follow either Original Medicare or your Medicare Advantage Plan’s rules to get your DME covered. Developed by the Medicare Rights Center, Dear Marci is a biweekly e-newsletter that helps people with Medicare, their families, and caregivers understand Medicare benefits and options. Each issue features Medicare coverage advice, basic health tips and links to vital health care resources.
www.primemontgomery.com | August 2016
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HISTORY’S MYSTERIES
Do You Know These People? Above: 1965-68 circa. Young girl leaning against a handrail on the front porch steps of a house, probably in Montgomery, Alabama. (Jim Peppler, photographer) Left: Men and boys gathered around a bag of crimson clover seed at an auction at the Lions barbecue, Pratt Park, Prattville, Alabama. (Horace Perry, photographer)
W
e’re in our second year partnering with the Alabama Department of Archives and History. The success of History Mystery - identifying previously unknown people in photos in Archives’ collections - has only been possible with your help. If you know the identity of any of the people in this new set of photos contact Meredith McDonough, 334353-5442 (meredith.mcdonough@ archives.alabama.gov), or e-mail Prime magazine at primemontgomery@gmail.com.
Bottom Left: August 12, 1965. Officers and board members of the Garden Club of Alabama, meeting at the Montgomery Country Club on Narrow Lane Rd. Montgomery, Alabama. (John E. Scott, photographer) 30
August 2016 | www.primemontgomery.com
Prime
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Celebrating Life
How to find that long-lost friend
Me and Jodie ) (July 1952
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Celebrating Life
August 2016
8 Things
Your Grandchildren Don’t Do (and some they do...)
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August in the River Region Gardening Lunch & Learn â&#x20AC;&#x153;Art in the Garden.â&#x20AC;? Aug. 3. Noon- 1 p.m. Free. Armory Learning Arts Center, 1018 Madison Ave, Montgomery. Bring sack lunch. Drinks provided. Capital City Master Gardener Assn. Contact Mtgy. Co. Ext. Office (334) 270-4133. Family Fun Night Aug. 9, 5:30 pm. Elmcroft of Halcyon, 1775 Halycon Blvd. Food, entertainment. Call (334) 396-1111. Genealogy Workshop African-American Genealogy: Aug. 13, 9 am-Noon. State Archives, 624 Washington Ave. $30, $20 Friends of Archives. Space limited. Advance registration required. Contact Sarah McQueen, (334) 242-4364, sarah.mcqueen@archives.alabama. gov. or www.archives.alabama.gov, Singer/Songwriters Joe Thomas, Jr. Guitar Pull, Aug 16, 7-9 pm. Cloverdale Playhouse, Old Cloverdale. Songwriters perform/discuss their music. $10 (includes complimentary beverages). Call (334) 262-1530 or visit www.cloverdaleplayhouse.org. Learn Ballet Classes begin Aug. 18, Alabama Dance Theatre, 1018 Madison Ave. (334) 241-2590 or visit www.alabamadancetheatre.com. Age of Aquarius Symposium: Alabama 1965-75 Aug. 19, 9 am-5 pm. State Archives. Multiple speakers. Explore cultural, political, social themes. $40, $25 Friends of Archives, $10 students. Box lunch, refreshments during the day. Limited seating. Contact Sarah McQueen, (334) 242-4364, sarah.mcqueen@archives.alabama.gov or www.archives.alabama.gov/. Senior Citizen Day Aug. 19,10am-2pm. CaraVita Village, 4000 Fieldcrest Dr. Vendors, food, tours. Call (334) 284-0370. Alabama in the 1970s Family Fun Day: FREE Aug 20, 10 am-1 pm. State Archives. Dress in 1970s garb. Crafts, games, photo booth, dance party, screening of 2013 documentary Muscle Shoals with moderated discussion. Newcomers Club of Montgomery Luncheon. Aug. 25, 11:30am-1:30pm. Arrowhead CC. Speaker Marion Baab, Landmarks Foundation. $18. Reservations must be made by noon Aug. 22, to Jan Burdette, 334-593-9266, email jan8410@bellsouth.com. Mah Jongg Lessons Learn to play Mah Jongg. Thursdays, 2 pm, Taoist Tai Chi Society. Non-competitive. 3666A, Debby Dr., Mtgy. (334) 8321907, Seeking Nominations: Seniors of Achievement Montomgery Area Council on Aging (MACOA) seeks nominations for Seniors of Achievement Awards. Nomination form online, http://www.macoa.org/seniors-awards/ or e-mail jfdvorak@macoa.org. Applications due Aug. 18th.
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August 2016 | www.primemontgomery.com
Broadway Under the StarS Thursday, September 8th • 7:30pm FREE Concert • Blount Cultural Park 240-4004 • montgomery symphony.org VIP Picnics & parking available
68th Annual Labor Day Greek BBQ & Pastry Sale Monday, September 5th • 9 a.m. until Sold Out $10 Chicken or Pork Plate $12 Lamb Plate $12 Camp Stew Quarts Plates include Slaw, Bread, Camp Stew (4 oz cup)
• Drive-Thru • Eat In • Take Out
Greek Orthodox Church
Corner of Mt. Meigs & Capitol Parkway Call 334-263-1366 for tickets/info www.primemontgomery.com | August 2016
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With Feather and Thread OFF THE BEATEN PATH
I
tied my first fly at 10 years old. Covered in red chenille from eye to point, the hook shank disappeared underneath green marabou that peeked out from under a wad of gray rabbit fur. Coiled loosely around this was an entire package of top grade peacock hackle, all materials courtesy of my father’s fly-tying kit. That fly had everything: rubber spinnerbaitskirt legs, a long feathery tail, a worm rattle buried somewhere under all that rabbit fur, and for some reason, two sets of eyes, one behind the other. It was likely the two sets of beady eyes, but my little sister couldn't be left alone with that fly. It resembled more a hairy Jolly Rancher™ than any aquatic prey species. I don't think you could have cast it double-handed with a marlin rod, and Dad's best attempts with his 9-weight likely contributed to his carpal tunnel many years later. “That’s a fish-killer right there,” my father said, stretching the truth to the breaking point. “Will you tie me one?” He obviously didn’t realize half his tying kit's materials had gone into that one fly. I obliged, and fished another long shank hook from the package, eager to begin mass production of what was sure to be the next big thing in the angling world. Sadly, sales could not keep pace with manufacturing costs, and the "Hairy Jolly Rancher" never moved from R&D to the assembly line. As my skills at the fly bench improved, Dad's attitude toward my feather-and-thread creations turned from fatherly support to genuine interest. I could knock out several different patterns in a sitting, and would throw different versions of streamers, woolly worms or willow flies his way. Then, we'd move to the most enjoyable stage, product testing.
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Some of those flies actually caught fish, while others just spooked them. We kept the good ones and tossed the spookers in the "Hairy Jolly Rancher" pile. Thankfully, we had access to testing grounds close to the “plant”. Down the street from our house were several ponds with bass, bream and carp, eager but unknowing test subjects for my feather-and-thread creations. Dad and I would meet after work or school at the same spot and devise a strategy for the afternoon, splitting the pond and walking its perimeter, never out of sight – or shouting distance – when one of use would lay into a big one. We’d meet afterward and compare notes. May and early June were our favorite times. The weather was still comfortable, and the yellow mayfly hatch on one pond in particular provided the kind of fabled cast-and-catch action regaled in fishermen's tall tales. Except ours were all true. To this day, Dad and I would put that yellow mayfly pattern we devised up against anyone's. But we weren't just fashioning feathers and fur to fishhooks hoping for a bite, we were threading together a mutual and lifelong passion for fishing home-tied flies. More than two decades after my first fly, I laugh thinking about that “Hairy Jolly Rancher,” and venture a guess Dad's wrist still hurts from trying his best to fish it for me. Niko Corley is a USCG-licensed charter boat captain and spends his free time on the water or in the woods. To contact him e-mail niko.corley@gmail.com.
Niko Corley
TM
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