50 lifestyles 09 2017 by 50+ LifeStyles

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Baby Boomers & Seniors

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Tips for Living the Snowbird Life with Ease

Long Island Edition • Vol. 42 #11

Travel Deals Crosswords Sudoku page 19

page 22

By Larke Newell, via internationalliving.com

y husband, Gary, and I spend the summer months on beautiful Vancouver Island in B.C. Canada, where we live on an alpaca farm. Then, as soon as the dreary cold rains begin, we head to tropical Panama where our favorite pastime is reclining (Continued on page 18)

Around the Towns....................page 5 Sept. Events...... page 6 Veterans News ................................... page 8

Classiﬁed Ads ................................. page 21

50+ SENIOR IDOL AUDITION DATES AVAILABLE

A L.I.Senior & Boomer Golf Sept. 28 The 24th Annual 50+ LifeStyles Golf Outing will be held at the Timber Point Country Club in Great River on September 28, 2017. The event is open to all individuals and foursomes of all abilities, age 50-plus along with their sons, daughters or grandchildren. The event includes greens fee, cart, breakfast, lunch, dinner and open bar after golf, door prizes, skill prizes and trophies in several men’s and women’s age divisions. There is also a division for firefighters. No foursome? No problem – we’ll pair you up with other golfers. Sign up today by calling 631-286-0058, ext 112; or e-mail frank@50plusny.com.

fter an eight-year hiatus, 50+ Lifestyles and New York State Senior America are excited to announce the return of the 50+ Senior Idol Contest, to be held on November 12 in Huntington. Auditions will be taking place in September. For more information see page 10 or call 631-286-0058 ext 112.

Coming in October Health, Fitness, 55+ Living Options, Breast Cancer Awareness Month, Medicare Enrollment

Are You Avoiding The Dentist For Fear Of The Cost?

f you don’t have dental coverage or feel insurance is too restrictive and costly there is another option: the EDP Dental plan. Fortunately, there is an alternative to traditional dental insurance in the growing numbers of available dental plans that offer many advantages in convenience, savings, & procedures from top notch dentists. It is a great individual option and the industry is booming. Dentists and dental plan providers cooperate to make affordable dental care available to you and for more than 15 years EDP has helped thousands of Long Islanders get the dental care they need at an affordable price. Whether your kids need braces, you need a root canal, or if you just need your regularly scheduled check-up and cleaning, a family dental plan will save you money every time you go to the dentist. Typically, members will find their bills reduced by half and in some cases even more. At EDP Dental it is not uncommon for members to report an average savings for a family of four in excess of $1500 a year or MORE! With some of Long Island’s best dental care providers in their network, EDP members are saving up to 60% off the cost of their dental care every day!

50+ LifeStyles September 2017 • www.50PlusNY.com

The dentists that accept EDP are the same providers that take the big insurance company plans. However with EDP they can work directly with the patient for the best possible treatment at a reasonable cost. Best of all the discounts are applied to the patient right at the time of service, what’s easier than that? For only $99 a year you can have peace of mind that you have the best dental savings plan available when you need it and when you don’t. EDP will keep you smiling with our cost savings program that puts you in control of your dental care and money back in your pocket! Many people wonder how discount dental plans work. How can they be so cheap but still offer such significant savings? Almost everyone understands how traditional dental insurance works because it's been so common. But, this is not dental insurance. This is how we explain it at EDP Dental: Gain Access to In-Network Dentists Save on every visit with a dentist in our plan’s nationwide dental network. Dentists within our provider network have agreed to provide the same quality care for the discounted rates listed in the fee schedules. Discounts are exclusively accessible to discount dental plan members.

Save Money with Fixed Prices - No matter what your dentist would normally charge for a procedure, with a discount plan, you pay the dollar amount listed in the fee schedule. Everyone Wins! - Dentists get more patients and keep their dental practice running and agree to the reduced fee schedule in return. With EDP, dental coverage also includes specialists, such as, oral surgeons, orthodontists, periodontists, endodontists, and prosthodontists. These visits are charged at a 25% reduction of participating specialist’s regular fees. Our user friendly website www.edpdental.com has been designed to help you locate a dentist, compare pricing and easily enroll online If you have questions and would like to speak with one of our customer care representatives you can reach us at 1.800.777.1085. 50+

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Congratulations to our Hidin’ Harry Winners! Congratulations to our Hidin’ Harry winners from the August issue, Ms Lucia Carone of Massapequa Park and Thomas Sarc of Central Islip. You’ll both be receiving a pair of theater tickets in the mail. And Hidin’ Harry was on page 17 in our July issue. So … Find Hidin’ Harry somewhere in the pages of 50+ LifeStyles and send us your answer — including your name and address — by post to Hidin’ Harry, 146 So. Country Road, Bellport, NY 11713 … or by e-mail to: editor@50plusny.com. Only one entry per month, please!

EDITORIAL OFFICE: 146 South Country Road, Suite 4 Bellport, NY 11713 Tel (631) 286-0058 · Fax (631) 286-6866 Advertising Rate Card By Request COPY DEADLINE 15th of previous month ©50+ Lifestyles™

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from page 22

Around The Towns... Send your news items to Frank@50plusny.com 1

1) Oyster Bay Town Councilwoman Michele M. Johnson and Town Councilman Thomas B. Hand served as the Co-Chairs of the Town of Oyster Bay’s very successful blood drive and honored Massapequa resident Al Fischer for his incredible legacy of donating blood. Mr. Fischer, a Korean War veteran, has donated over 44 gallons of blood throughout the course of his life and is the nation’s top donor. 2) Town of Oyster Bay Supervisor Joseph Saladino honored TOBAY Beach Lifeguard John McGovern for 50 years of dedicated service to the residents of the Town of Oyster Bay. Since joining the Town of Oyster Bay as a Seasonal Lifeguard in 1967, John McGovern’s diligence and attention to detail, as well as his hard work and professionalism, earned him the enduring respect and admiration of his peers. 3) Charles A. Riley II, Ph.D. has been named director of the Nassau County Museum of Art. Dr. Riley’s long association with Nassau County Museum of Art includes having served as curator-at-large and popular presenter of many lectures offered for many exhibitions. He is also an author, journalist and educator.

4) Congressman Lee Zeldin (left) joined Supervisor Ed Romaine (right) to deliver “Meals on Wheels” to residents at Leisure Village in Ridge. The Congressman and Supervisor were warmly welcomed into the homes and assured the residents of their strong support for the “Meals on Wheels” program. Pictured with Congressman Zeldin and Supervisor Romaine is Leisure Village resident Evelyn Rolleri. 5) Jefferson’s Ferry Life Plan Community recently celebrated its 16th Anniversary with “A Night in the Old West.” The festivities commenced with a happy hour, followed by dinner and line dancing. A lively crowd of cowboys and cowgirls attended the anniversary party, dining and dancing the night away. Pictured here (l-r), Jefferson’s Ferry residents Tom and Kate Maloney and Nancy and Chuck Darling. 50+

(Send event info to Frank@50plusny.com. Deadline 15th of the month)

September 3 Dahlia Exhibition. The Long Island Dahlia Society will host a Dahlia Show in the Lower Carriage House of the Bayard Cutting Arboretum, 440 Montauk Hwy., Great River; 10 a.m. to 4 p.m. Free with paid parking. Info: WWW.LongIslandDahlia.org or call 516-578-7699 September 6 September 11 Remembrance Ceremony. Tobay Beach; 7 p.m. For more information, please contact the Town’s Department of Community & Youth Services at 516-797-7900. September 9 Singles Association Meeting. St. Aidan Spirituality for Singles Gathering; 8:30 p.m. St. Aidan School basement, 510 Willis Avenue, Williston Park. Admission:$5. Info: 516-561-6994 or rayatspiritualityforsingles@gmail.com. September 10 Vintage Antique Fun Car Show. Town of Hempstead Rock Hall Museum, Lawrence; 9 a.m. to 3 p.m. Free. For registration call Howard at 516-662-9379 or e-mail hfishman@aol.com. Day of show fee $10.00. Museum info: 516-239-1157 or FriendsofRockHall@gmail.com. September 14 Senior Group Meeting SAGE. Topic: Hijacked by Air, A first-hand account. At the Woodbury Jewish Center, 200 South Woods Rd., Woodbury; 10:30 a.m. to noon. Includes Light Refreshments. Fee: $5. Info: www.thewjc.org.

September 14 4th Annual Farewell to Summer Concert. Patchogue Theatre for the Performing Arts. Featuring the TradeWinds Cover Band. Free ticket at www.PatchogueTheatre.org. Questions and additional information please call 631-853-8200. September 16, 23 and 30 Audition for Silver Chords Chorus. Tryouts for the adult, multigenerational chorus The Silver Chords will be held on Saturday September 16, 23 and 30, at the Eugene A. Cannataro Senior Center, 420 Middle Country Road, Smithtown. Information, 631-235-3593. September 16 Fall Festival. Sachem Public Library, Holbrook; 11 a.m. to 4 p.m. Pony Rides 11:30a.m.-3 p.m., Live DJ, Bounce House, Kids’ Crafts, Petting Zoo, Craft Show, Local Performance Groups, Pumpkin Decorating Contest, Friends Book Sale ...and more! Info: 631-588-5024. 50+ LifeStyles September 2017 • www.50PlusNY.com

September 20 Blood Drive. St. Joseph’s College-Long Island, 9 a.m. to 7 p.m. Call 631-687-2602 for info or visit sjcny.edu. September 21 Great South Bay Audubon Society. 7 p.m. At Brookside County Park, Sayville. Free and open to the public. Call 631-563-7716.

September 16 Fall Festival Sachem Public Library,

Sept Events

OVER 50 FAIR September 17 8th annual Over 50 Fair. Long Island Hilton/Huntington (new location), 598 Broad Hollow Road, Melville; 10 a.m. to 4:30 p.m. Exhibitors, classes, reality TV celebrities. Free valet parking. Tickets $6 on the web from www.Over50Fair.com, $8 at the door. Free for Veterans. Take an additional $2 off with coupon code, “8thyear”. Your adult child attends free with paid admission. 516-621-1446 www.Over50Fair.com.

50+ GOLF OUTING September 28 50+ Golf Outing. Timber Point Country Club. Open to Nassau and Suffolk residents ages 50 and over. A fun day for all! See ad on page 3 for more information and call 631-2860058 ext 112 to register. September 23 Singles Association Dinner-Social. J&R Steakhouse, 116 Main Street, Islip; 6:30 p.m. Admission $3 (plus cost of meal; drinks are cashand-carry). For additional info 516-465-3953 or Singlesassociat ionlongisland@gmail.com; www.meetup.com/singlesassociation of long island. September 26 Senior Fair. Sachem Public Library, Holbrook; 10 a.m. to 1 p.m. Looking for residential op-

tions, health and wellness opportunities, financial or legal assistance, day programs, or other recreational activities? Representatives from over 40 agencies, organizations, businesses, and local government offices will be on hand. No registration required. Info: 631-588-5024.

November 12 Back and better than ever! The NYS 50+ Senior Idol can help you showcase your talents. Whether it’s Singing, Dancing, Comedy, whatever YOUR talent is we’re scheduling local tryouts now! For a registration form please call 631.286.0058 ext 112. All contestants must be at least 50 years old as of 11/12/17. Saturday, September 30 50+ Comedy Tour Broadhollow Theatre 265 E.Main Street, East Islip (631) 581-2700 www.broadhollow.org. Discounted tickets are $30 per ticket. 8:00pm show. Connect with A ARP Long Island for the 2nd annual 50+ Comedy Tour returning to Long Island this summer and fall, featuring top comedians all over the age of 50, performing at local venues across Long Island. Before each show stop by the A ARP table and meet A ARP volunteers, staff and other members and learn more about what A ARP is doing in the local community. A ARP Members and their guests can purchase discount tickets by phone, online or in person at the venue using the information provided below when using discount code “LAUGH”. Visit the official website www.50PlusComedy.com for info, details on shows and special events. 50+

VeteransNews

AMVETS Commander Honored On July 22 AMVETS Post 48 Honored AMVETS National Commander Harold Chapman with a Recognition/Barbeque to celebrate his stellar performance as the AMVETS National Commander during the 2017-2018 Year. Proclamations were presented by Brookhaven Town Supervisor Ed Romaine, Suffolk County Comptroller John Kennedy, Suffolk County Legislator Leslie Kennedy, New York State Assemblyman Al Graf and NYS Senator Tom Croci. Furthermore, proclamations honoring Harold’s service were sent by US Senator Kirsten Gillibrand, Governor Cuomo, New State Senator John Flanagan and Suffolk County Executive Steve Bellone. In addition, many national and New York State AMVETS as well as AMVETS Post 48 members attended this testimonial to honor Harold’s commitment to AMVETS. During the ceremony, it was pointed out that Harold is the 73rd AMVETS National Commander and the organization’s first National Commander from the Town of Brookhaven. Chapman is an honorably discharged veteran of the United States Air Force whose Vietnam War-Era Service includes postings at air bases in California and Texas as well as 18 months spent in the Pacific Theater. At the national level he has held the office of 1st Vice-Commander (2015-2016), 2nd Vice-Commander (2014-2015) and National Finance Officer (2012-2014). As a New York State AMVET Harold has held many command positions at the post and state level which culminated with his

50+ LifeStyles September 2017 • www.50PlusNY.com

election as NYS Commander for two consecutive terms beginning in 2002. If interested in more information about the AMVETS Organization please contact AMVETS National Headquarters located in Latham, Maryland at 1-877-726-8387. (Left to right): SC Comptroller John Kennedy; Mike Dickson AMVETS Post 48 1st Vice Commander; SC Legislator Leslie Kennedy; Brookhaven Town Supervisor Ed Romaine; Harold Chapman AMVETS National Commander; NYS Assemblyman Al Graf; Rich Bassanella AMVETS Post 48 Commander and Patrick Mitchell Immediate Past Commander NYS Sons of AMVETS WWII Vet’s Family Receives Purple Heart On August 11, 2017, Congressman Lee Zeldin (R, NY-1) presented a Purple Heart to the family of PFC Roy B. DeWitt, a WWII veteran who served in the U.S. Army. Much of his family now lives throughout the First Congressional District. On August 28, 1942, at age 25, PFC DeWitt enlisted in the U.S. Army and was assigned to the 101st Airborne Division, 401st Glider Infantry Regiment, and the 82nd Airborne Division, 325th Glider Infantry Regiment, Company 3HQ. In September 1944, he received a gunshot wound to the foot during Operation Market Garden. Following this battle, he was captured by the Germans and held as a POW at Stalag 12A in Belgium. He died in captivity there on November 2, 1944, from an apparent fracture to the back of his skull. He is buried in Belgium at the American War Cemetery in Ardennes. 50+

Nicholas A. Wheeler Joins the Family Business at Moloney Family Funeral Homes

oloney Family Funeral Homes is proud to announce that Nicholas A. Wheeler has joined the family business. Nicholas is the grandson of the late F. Daniel Moloney and nephew of Dan and Peter Moloney. Nick joins the business as a Licensed Funeral Director having completed his residency with Moloney’s. Nick is a graduate of American Academy McAllister Institute in New York, holds a B.A. degree from Old Dominion University and is a graduate of Sachem High School. He is also a proud veteran having served six years in the United States Army. Nick is a 2nd degree Knight with St. Regis Knights of Columbus and a member of the American Legion post 432 in Port Jefferson Station. “We are very proud of Nicholas and all he has accomplished. He’s a fine young man and will be an asset to our business, our families and our community,” said Dan Moloney. 50+

FOR A REGISTRATION FORM CALL

631.286.0058 ext.112

*Contestants must be at least 50 years of age as of 11/12/17

50+ LifeStyles September 2017 â&#x20AC;¢ www.50PlusNY.com

Parker Jewish Institute’s Community-Based Services Expanding Horizons For 21st Century Health Care

hrough a planned expansion of Community-Based Outpatient Services, Parker Jewish Institute has extended the range and reach of its renowned health care services and expertise, into the neighborhoods and homes of Nassau, Queens and beyond. Parker’s flagship health care and rehabilitation center, a leader in teaching and geriatric research, is a 527bed skilled nursing facility with a comprehensive system of post-acute care, including short term rehabilitation, nursing care and medical services. Parker’s expanded community network embodies the following and much more. Home Health Care Agency, makes it possible for older adults to receive short term quality care in the comfort of one’s home, through provision of intermittent skilled home care services as needed and ordered by one’s physician, to restore patients to maximum health. Parker’s agency is licensed to operate in seven New York metro area counties. Social Adult Day Care is for frail older adults and those with early onset of dementia and Alzheimer’s. The “Parker on Madison” center provides Social Adult Day Care Services for sen-

iors living at home, plus vital respite and support for their family members. NORCs Partnerships, by deploying Parker’s Registered Nurses at several Naturally Occurring Retirement Communities (NORCs), the Institute is developing unique relationships with area NORCs with the goal of promoting health and wellness for their residents. Parker At Your Door is a physician home-visit program for older adults. With Parker At Your Door, a physician can provide residents with quality health care, right in the comfort of their own homes. The Hospice Program at Parker is a comprehensive community hospice offering highly specialized care for terminally ill patients and family support. Members of the hospice team create personalized, comprehensive care plans that meet the individual needs of each patient, and foster a calm and loving environment comforting both patient and family members alike. Lakeville Transportation Ambulette was created to deal with the transportation needs of kidney dialysis patients, for transportation to appointments with physicians, to Parker’s Social Adult

Day Care program, or other skilled nursing facilities for their medical needs. Queens-Long Island Renal Institute is a sister organization of Parker Jewish Institute. State-ofthe-art kidney dialysis services are provided for the residents of Parker and for older adults living in surrounding communities. AgeWell New York , a Parker affiliate, is a Medicaid Managed Long Term Care Plan and Medicare Advantage Plan authorized by New York State. AgeWell allows older adults with disabilities and persons with chronic illnesses, to stay in their homes as long as possible. Located in New Hyde Park on the border of Nassau and Queens, Parker serves one of the largest and most ethnically-diverse areas in the U.S. For more information on Parker’s host of community-based services, please call: 1-877-7275373. 50+

www.CindyGInsurance.com 50+ LifeStyles September 2017 • www.50PlusNY.com

New Advancements In Weight Loss Surgery? The Gastric Sleeve.

s founder of Long Island Laparoscopic Doctorssm, patients often lament to me “Doctor, I am FAT. I have tried diet after diet, pills, and gym memberships - nothing sticks! I have lost lots of weight, but it always comes back. What’s wrong with me? Why don’t I have the will power to stay on a diet and keep the weight off?” Many people believe that weight loss is a matter of willpower and that people who are overweight or obese are lazy or weak. This sort of thinking is a product of American culture, which teaches that with enough determination you can do anything. Unfortunately, it leads to the belief that if you can’t stop compulsive eating with a combination of prayer and will power, then you must be a weak person. That kind of viewpoint is just wrong. It is one of the reasons why obesity has become the most common cause of preventable death in America today! Forty five million Americans reportedly are on diets at any given time, yet according to the Centers for Disease Control, 36 percent of American adults are obese (BMI 30+) and another 33 percent are overweight.

50+ LifeStyles September 2017 • www.50PlusNY.com

The Gastric Sleeve – A life changing new procedure Together with my associates Drs. Thompson and Leung, we have established one of the safest and most comprehensive surgical weight loss programs in New York. Our emphasis has been on treatoffering ments that are virtually safe, pain free and scarless. Our patients experience a fast recovery and many are back to work in days. If you are one of the thousands of Long Islanders who are 60-80lbs or more overweight and have tried unsuccessfully to lose weight and keep it off we have great news about an important procedure that our team has been on the vanguard of performing for patients just like you called the gastric sleeve. This technique is less invasive than other procedures, but doesn’t require monthly adjustments or an implant in your body. Because it eliminates the “hunger hormone Ghrelin” our patients lose significant amounts of weight quickly and permanently without the “fire” that dieters normally experience. If you suffer from illnesses associated with obesity like Type 2 diabetes, high blood pressure, sleep apnea and joint

pain – the gastric sleeve can almost overnight eliminate or reduce these related conditions. We have helped open the door to a more active, happier life for many of your neighbors and we would like to do the same for you. Our program is comprehensive and you will receive support before and after your procedure by our team of doctors, nutritionists and counselors. That is, we can help you choose the treatment best for you to take the weight off rapidly and keep it off permanent. Dr. Atwa is a skilled surgeon known for his caring and compassionate bedside manner, garnishing awards as Top Surgeon and the Most Compassionate Doctor awards (2011-2016) He is board certified in general surgery with a mini-fellowship in bariatric surgery. He currently is Chief & Director of Department of Surgery at Mather and St. Charles Hospitals, Port Jefferson. For further info call 631228-8277, visit us on the web at www.journeytothenewyou.com or download our free mobile app by searching major app stores for LILD or Long Island Laparoscopic Doctorssm. 50+

Find Hidin’ Harry! Harry is hiding somewhere in this issue. Find him and tell us where he is and you can win a pair of theater tickets. We’ll pick two winners out of every issue. Find Hidin’ Harry and send your answer to: Hidin’ Harry, 146 So. Country Road, Bellport, NY 11713 or e-mail Editor@50plusny.com.

NFL Legend Jerry Rice Gets to Promote Kidney Health

ro Football Hall of Famer Jerry Rice has teamed up with National Kidney Foundation (NKF) as its social media ambassador to encourage all Americans to “Heart Your Kidneys.” Rice’s tie to kidney disease has motivated him to join this public awareness campaign (#HeartYourKidneys) that seeks to lift the kidneys to the status of other, better-understood vital organs like the heart so that people understand what kidneys do and why they are vital to sustaining life. The three-time Super Bowl champion played 20 years in the National Football League while devoting time to family, including his older brother Tom Rice, who has kidney disease and has been on dialysis for more than two decades, three days a week – with Jerry Rice sometimes spending the long hours sitting by his side. This direct connection already has allowed the sports icon to become an effective and passionate television spokesman in Mississippi, his home state, where he has helped raise awareness about the seriousness of kidney disease, including among

African Americans, who are at highest risk. “People will see in my social media posts that this really hits home for me,” Rice said. “Most folks don’t think twice about their kidneys and take them for granted. So, I want everyone to learn about how important kidney functions are and what simple lifestyle changes can help reduce the risk for kidney disease.” NKF is proud to partner with Rice and believes his genuine link to and concern for kidney disease will resonate well with his adoring fans and anyone who sees his social media posts. Thirty-million American adults are estimated to have chronic kidney disease—and most aren’t aware of it. One-in-three American adults are at risk for kidney disease. Risk factors for kidney disease include diabetes, high blood pressure, heart disease, obesity and family history. People of African American, Hispanic, Native American, Asian or Pacific Islander descent are at increased risk for developing the disease. African Americans are three-times more likely than Whites, and His-

panics are nearly 1.5-times more likely than nonHispanics to develop end stage renal disease (kidney failure). The National Kidney Foundation (NKF) is the largest, most comprehensive and longstanding organization dedicated to the awareness, prevention and treatment of kidney disease. For more information about NKF visit www.kidney.org 50+

50+ LifeStyles September 2017 • www.50PlusNY.com

When Retired It’s Smart to Expect the Unexpected By Michael Hartzman; President , CFP, Bristol Financial

nyone who has retired or is planning to retire in the near future has sat down and reviewed their monthly budget. Typically this process involves looking at the check book to total the monthly bills. In addition expenses can include estimating how much is spent on eating out, other entertainment, birthday gifts for the grandkids and hopefully a vacation or two each year. Over the years I have helped hundreds of people prepare for retirement and continue to guide them during the retirement years. While knowing what your monthly expenses are is crucial to a happy and fulfilling retirement it is the unexpected bills that can saddle a household with debt. In addition to making sure a household has enough cash flow to cover monthly bills it is also vital to have emergency money accessible for those once in a while expenses that could take years to dig out of if they have to be paid for with a credit card or loan. I remember sitting in an emergency Veterinary hospital with my dog. Across from me was a very upset and nervous older couple. They were on the phone applying for a loan so their beloved pet could have the surgery needed to save its life. I remember thinking these people are spending money they do not have and it will probably take them years to pay back. I also remember thinking that as a pet owner I would have made the same decision.

50+ LifeStyles September 2017 • www.50PlusNY.com

When people come to my office to discuss retirement one of the first things they mention is the kind of health insurance they have and what it costs. What they rarely mention are the co-pays for office visits or the cost of prescriptions and refills. This all adds up quickly. In addition most clients never anticipate the high cost of dental care. As we age teeth become more fragile and the possibility of needing a bridge or major dental work increases. It is not unusual for a client to call needing $10,000 $20,000 to take care of such a problem. In addition to medical costs for the two legged and four legged members of the family let’s talk about perhaps the neediest member of your family – your home. A simple plumbing repair job can cost $300 - $500 just to have someone show up. A new refrigerator can be close to $1000.00. A leaking roof or basement can be $5000 - $10,000 to repair and without proper insurance the claim may not be covered. Speaking of insurance it is important to call your agent at least once a year to review your coverage. Make sure your deductibles are not too high or too low. Make sure you are not insuring a piece of jewelry or artwork you no longer own. Being retired is about enjoying your friends and family, spending time on your hobbies or travelling. Hopefully, you are able to do these things and put money aside for the “uh-ohs” and the “I didn’t see that coming.” In the long run you will be happy you did rather than building up bills and credit card debt you monthly cash flow cannot withstand.

Michael Hartzman is president of Bristol Financial Services, a full-service independent broker dealer with an emphasis on financial and retirement planning. Bristol Financial is located at 500 North Broadway in Jericho, NY; 516-349-5555; www.bristol-financial.com. 50+

Be Prepared for Hurricane Season

urricane season 2017 is upon us, and this year the NOA A (National Oceanic and Atmospheric Administration) has predicted a 45-percent chance of above-normal activity. As such, Legislator Tom Muratore would like to remind residents of Hurricane Preparedness. Know Your Risk and What to Do Contact your local emergency management office to learn about evacuation routes and emergency plans. Get additional information from the Federal Emergency Management Agency (visit fema.gov and m.fema.gov from your mobile device for information), Ready Campaign (Ready.gov) Citizen’s Corps (citizencorps.gov), the American Red Cross (redcross.org) and NOA A’s National Hurricane Center (nhc.noaa.gov). Buy flood insurance. Anyone can get flooded, even if you don’t live in a designated flood zone. There is a 30-day waiting period before activation of flood insurance policies. Homeowners insurance does not cover flood damage. Make a family disaster plan that includes out-of-town contacts and locations to reunite if you become separated. Be sure everyone knows home, work and cell phone numbers, and how to call 911. Assemble a disaster supplies kit with food, water, medical supplies, battery-powered radio and NOA A Weather Radio, batteries, flashlights, and other items that will allow you to get by for three days. Gather important documents and store them in a fire and flood safe location or safe deposit box. As the storm approaches remember that a Hurricane Watch means the onset of hurricane conditions is possible within 36 hours; a Hurricane Warning means the onset of hurricane conditions is likely within 24 hours.

Have a full tank of gas in a vehicle, cash, and your disaster supplies kit ready to go. Make sure every family member carries or wears ID. Turn refrigerator and freezer to maximum cold and keep closed. Fill the bathtub and other large containers with water for bathing, flushing toilets, and cleaning, but do not drink this water. Secure or bring inside outdoor items. Turn off propane tanks. Shut off other utilities if emergency officials advise you to do so. Evacuate if you are directed by local authorities to do so. Be sure to follow their instructions. Live in a mobile home, a high-rise building, on the coast, a floodplain, near a river, or an inland waterway, or otherwise feel you will be in danger. If You Are Told to Evacuate. Don’t delay once you get word to leave. Stick to designated evacuation routes. Take your most reliable vehicle; avoid taking multiple vehicles, which could contribute to gridlock. If You Are Staying in Your Home: Go to a safe indoor place for refuge, such as an interior room, closet, or hallway. Stay downstairs only if you are not in a flood prone or storm surge area. Do not go outdoors during the storm, even in its early stages. Close all doors, brace external doors, stay clear of windows and keep curtains and blinds shut. If necessary take cover under a heavy table, or under something protective. Don’t be tricked by a sudden lull in the storm, it may be the “eye” passing over. The storm will resume. Immediately After the Storm: Use extreme caution going out of doors. Be alert for downed power lines, broken glass, and damage to building foundations, streets and bridges, and coastal or hillside erosion. Keep listening to radio, TV, or NOA A Weather Radio All Hazards. Watch (Continued on page 19)

50+ LifeStyles September 2017 • www.50PlusNY.com

18 Cover Story - Tips for Living the Snowbird Life with Ease on our terrace while we munch on fresh fruit bursting with flavor or sip a frosty margarita or ice cold cerveza and watch the iguanas put on their daily performance. We're what are colloquially called snowbirds. We fly south every winter to enjoy year-round summer. Having homes in two different countries certainly took some organization and adaptations to arrive at the smooth transition we now enjoy after a few years of ironing out the kinks. To pave the way for other "snowbirds" I have compiled a list of helpful tips to make this lifestyle as seamless as possible. 1. Keep clothing and shoes at each home. More and more airlines are charging for baggage, sometimes even for a single suitcase for the two of you. In order to avoid that expense, we simply divided our clothing, toiletries, and footwear in half, leaving half in each country. That way we need only to pack the articles needed for the journey itself. Besides, this allows you to purchase a few new items guilt free. (Hint: make a list of what you have where!) 2. Most telephone, television, and internet companies have what is referred to as a "vacation mode" option. This allows users to retain their monthly plans while absent. This typically costs about $20 per month, and saves you paying

full-plan costs in two separate countries yearround. 3. Make copies of all important papers such as life insurance policies, powers of attorney, and financial information, ensuring that they are all available, no matter which country you are currently in.

4. If you turn off all or some of your utilities while away, leave a return arrival date with the companies in order to prevent having no water or electricity when you get home, sometimes late at night. Most will gladly accommodate you in this way, free of charge. 5. Unhook the battery cable on your vehicle while away. Arriving home after six months prepared to do the initial grocery shop and other necessary errands, and discovering that your car

battery is stone dead is extremely frustrating. 6. Purchase only six months of insurance at a time to prevent paying insurance on vehicles in two separate countries year-round. 7. Unfortunately having double sets of keys, credit cards, drivers licenses, and currency has the potential to be a nightmare. Upon arrival at either end I simply do a quick exchange and return the "other home" sets to the suitcase for safe keeping. In the same vein, it is beneficial to keep suitcases and carry-ons easily accessible, enabling you to add items for the following trip as you think of them. Inevitably you will discover while in one home that you would prefer to have a particular item in the other. Countless times this practice has saved us from forgetting these objects until the instant we are in need of them and remember they were not packed. It is also wise to top up or purchase travel size items, insert them in the required airline plastic bags, and stash them in your carry-ons well before your departure date. After much trial and error and discovering of new short cuts, we now have our transitions down to a fine art. Or well oiled machine, if you will. This enables us to kick back, relax, and settle in for our alpaca life or our iguana life, depending on time of year. 50+

GolďŹ ng-Exchange.com Marketplace for Golfers to Buy and Sell New and Used Gear nline Exchanges, a startup company dedicated to bringing online marketplaces to passion pursuit industries, today announces the launch of www.Golfing-Exchange.com. Golfing Exchange is a marketplace for golfers to buy and sell both new and used golf clubs and gear. The site is free for sellers and offers a great shopping experience for the golf enthusiast. "We are excited about the reception we've received by fellow golfers. We saw an opportunity in the market to build a place just for golfers where it was easy to sell a set of golf clubs or find a great deal on a new or used set," said Stuart Whitaker, founder and President of Online Exchanges. "The site is completely free for sellers and clubs can be listed for sale in a matter of minutes." Golfing Exchange's model is unique in that sellers do not pay a fee to sell. Buyers pay a small sales fee that is built into the listing price. Anyone can sell, but all sellers must be PayPal Verified, providing protections to buyers using the site. Most importantly, though, it's only golf. Golfing Exchange did a soft launch in April of this year to gain market feedback and test the software. "The feedback we've received in the last few months has been encouraging enough that we are now ready to promote the site more aggressively to golfers not only in the US, but in other select international markets as well," stated Debbie Lominick, Vice President of Online Exchanges. To learn more visit www.golfing-exchange.com. 50+ 50+ LifeStyles September 2017 â&#x20AC;˘ www.50PlusNY.com

5 Tips to Get the Best Travel Deals

f you haven’t booked your travel for the holidays yet, here are some ways that can help you secure a good deal ... but act now!

Check fares on travel aggregator sites If you haven’t conducted adequate research a couple of months in advance, your next best bet is to scout travel aggregator sites, many of which have dedicated ‘last-minute’ or live deal sections for hotels, flights and packages. Don’t stop shopping for air fares In order to get last-minute flight deals, keep looking even after booking the best available flight. Register yourself to get alerts for price drops from the website, aggregator or app, and make sure that there are no cancellation charges on your previous booking. Since most airlines want to fill up vacant seats in the last couple of days, you will invariably get a good deal. When you do, cancel your existing flight and re-book. It may not always be possible to get this deal in peak season and make sure you don’t take chances if you are with kids or have pre-booked hotels for a long holiday. Another option is to check websites of airlines directly or check their newsletter and twitter handles, since airlines tend to post the last-minute vacancies to fill up the seats. Find cheaper f lights from Tuesday and Thursday A good trick to snagging last-minute flight and hotel deals is to be a little less rigid about your plans. Be open to shifting travel dates, flight timings, airports and, if required, even the destination. This is because you are more likely to find deals at the eleventh hour if you pick dates and timings that others are not too keen about. Just shifting from a known, busy airport to a lesser known, smaller one will increase your chances of finding a flight. For instance, if you

are checking flights on Skyscanner, a travel aggregator site, you can run into a lot more options if you click on the ‘add nearby airports’ or click `Everywhere’ as your destination to find the right place for your tight deadline. You are also far more likely to find cheaper and quicker flights between Tuesday and Thursday. Look for alternate stay options and packages To land good accommodation deals at the last minute, forego hotels and opt for alternates like home rentals, bed and breakfasts, or homestays. Some travel aggregators like Yatra and MakeMyTrip also offer the specific category of ‘homestays’ to pick this option as opposed to a hotel. A good place to look for local accommodation is dedicated sites like Airbnb.com and Homestay.com, which will guarantee a stay option at the last minute. Another surefire way of landing a good holiday is to go for packages instead of booking hotels and flights separately. These may even be cheaper than an expensive last-minute flight because you get discounted fares for unsold flight seats and hotel rooms bundled together. Use ‘last-minute’ travel apps for delayed hotel bookings If you fail to get a good hotel on websites, go for the ‘last-minute’ travel apps that can help you book one in the city of your choice. Some of these hotel-booking apps include Last Minute Keys (Android), Hotels Around You, RoomsTonite, and NightStay (both Android and iOS), which offer a wide variety of hotels, and are available on Google Play store. The options range from budget, premium and boutique to transit stay (day hours) and night-use hotels. Make sure, however, that you check the cities in which these hotels are available before installing the app. — travelwire.com 50+

Be Prepared for Hurricane Season (Continued from page 17) for closed roads. If you come upon a barricade or a flooded road: Don’t Drown, Turn Around. Be Prepared to: Stay on firm ground. Moving water only six inches deep can sweep you off your feet. Standing water may be electrically charged from power lines. Once home, check gas, water, electrical lines and appliances for damage. Use a flashlight to inspect for damage. Never use candles or other open flames indoors. When using a generator, avoid electrocution hazards by following manufacturers’instructions and standard electrical code. Do not drink tap water until you know it is safe. The Suffolk County Department of Fire, Rescue and Emergency Services’ Office of Emergency Management (FRES) has a wealth of information to help you and your family prepare, including sheltering information, preparedness plans, weather information, and more. Visit: www.suffolkcountyny.gov/Departments/FireRescueandEmergencyServices.aspx. FRES has expanded the Special Needs Registry into a county-wide registry for ALL residents to include those with special and/or functional medical needs. This encrypted registry is voluntary and free. It is designed to assist first responders and emergency planners in identifying those who may need assistance in evacuating and special sheltering during an emergency, so they may develop the necessary plans. It will also aid emergency planners in the development of shelter plans for those residents with Special and Functional Medical Needs, while enhancing communication and their emergency contacts. To register, go to Suffolk County’s webpage: oemapps.suffolkcountyny.gov/spns/. 50+

Poets Corner What is a dog? By Mitzi Richman, North Bellmore, NY

A dog is an animal... Or so I’ve been told, They give you solace and warmth... And are much better than gold, They are there when you need them... And will give you kisses all day, They protect and revere you... But won’t ask you to pay! Just give them your love... They ask nothing in return, So feed them and treat them... From them you can learn! 50+ 50+ LifeStyles September 2017 • www.50PlusNY.com

Social Security Celebrates National Hispanic Month

By John Biundo, Social Security Assistant District Manager in Patchogue

e know the importance of “familia” in Hispanic culture, and we’re proud to celebrate Hispanic Heritage Month (Sept. 15 to Oct. 15) by helping build a secure future for you, your family, and your future family. You can learn more about how Social Security helps secure today and tomorrow for millions of families by visiting www.socialsecurity.gov/people/hispanics/. Hispanics make up our nation’s largest ethnic minority group with a population of 56.6 million, according to 2015 statistics from the U.S. Census Bureau. Social Security is here to help maintain and improve our economic well-being for generations to come. Currently, we do this by providing retirement, disability, and other benefits to 61 million people, including nearly 3.5 million Hispanics, who have contributed to the Social Security system through their payroll taxes. Social Security also provides a safety net to the families of American workers who become unable to work due to grave impairments or have died. We work hard to provide enhanced customer service and to educate millions of Americans about the importance of our programs and ben-

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efits. This allows us to connect with the Hispanic community in meaningful and efficient ways.

If Spanish is your primary language, you can visit www.segurosocial.gov, our Spanish-language website. It provides hundreds of pages of important information about how to get a Social Security card, plan for retirement, apply for benefits, and manage your benefits once you’re receiving them. Many of our offices have staff who speak Spanish, or you can call 1-800-772-1213 from 7 a.m. to 7 p.m. weekdays and select the option for Spanish. Nationwide, our public affairs specialists

reach out to thousands of Hispanic Americans each year to raise awareness of the benefits they may qualify for and to learn the advantages of setting up a my Social Security account at www.socialsecurity.gov/myaccount. These specialists promote our programs at local events, health fairs, libraries, schools, and community organizations that serve the public, including the Hispanic population. Some of our bilingual staff serve as contributors to Spanishlanguage television, radio stations, and newspapers. They also visit embassies and consulates in the U.S. representing Latin American countries to educate diplomatic leaders and new immigrants about Social Security programs. Spanish-speaking individuals wishing to apply for retirement, disability, survivor, and other benefits, as well as Medicare, can now request an appointment online at www.socialsecurity. gov/applyforbenefits for an in-person interview or telephone claim with a bilingual representative. We’re with you and your family throughout life’s journey. To learn more about Social Security programs, visit www.segurosocial.gov or www.socialsecurity.gov. 50+

Age of Elegance By Ethel Bennett

ecently I had a very bad fall. Nothing broken, but I was badly bruised, and I was concerned that this article would not be written. I asked Marleen Schuss, Ms. New York Senior America State Administrator, to make sure to get this article together. Ethel, How do I love you? Let me count the ways! Sorry …I can’t count that high! Ethel Bennett, the inspiration and drive that is Senior America, clocked in at 95 years young on May 18, 2017, and that special spark still shines brightly. This month is a chance to say how grateful we are for all she has done for Senior America. Ethel is an entertainer, author, mistress of ceremonies and mentor to many. She first came on the scene in 1985. Everyone that is part of Senior America has a special story about Ethel. Even when she took her magic to Florida, distance didn’t really matter. She continued writing this column and remained actively involved with Ms. New York Senior America. In south Florida, Ethel lived in La Posada, a retirement community, where she motivated her neighbors to become more involved with life, transforming the community into a vital and flourishing place to continue to grow. So my dear, thank you, thank you. You have touched so many in a positive way. There is only one Ethel – Thank goodness you are ours! BLESS YOU.” My heart filled with gratitude to Joan Allen and Marleen Schuss for this special tribute to me. We are looking forward to our annual Fashion Show

on September 14, 2017, at the Crest Hollow Country Club in Woodbury, New York. Ms. New York Senior America in conjunction with 50+ LifeStyles is producing the 2017 Senior Idol Competition. It is open to both men and women 50 years and older. Call Marleen Schuss at 516-761-7503 for further information. In anticipation of the New York State Pageant to be held July 29, 2018, we are seeking possible participants. If you are 60-plus years of age, have a zest for life, a talent you can display on stage, charm and a positive attitude, we want you. Call Marleen Schuss for your interview and audition date. Her telephone number is 516-761-7503. Complete and return the coupon below or e-mail Marleen Schuss at marleenschuss@aol.com if you are interested. 50+ Until next month: Ethel, Marleen and Joan Allen COUPON

Women Must Be 60 Years or Over I would like to compete in the 2018 Ms. New York Senior America Pageant. Name Address Telephone E-mail Address

Return to: Marleen Schuss, State Director 80 Banks Avenue - Apt. 2113, Rockville Centre, NY 11570 Or e-mail: marleenschuss@aol.com Phone: 516-678-3242

CLASSIFIED ADS PERSONALS SWM Handsome, seeking female 5062. Fun, outgoing, friendship/serious relationship. Dining, movies, outdoor events, walks, etc. Call or text Richard. 516-507-8317. PROF. SERVICES CLEAN HOMES BY STACEY Weekly, bi-weekly-monthly, one time only, Reasonable rates. E. Moriches, C. Moriches, Yaphank and Bellport. 631-902-3787. _____________________________ ROB’S INTERIOR PAINTING Reliable, neat work. Reasonable rates. Insured. Garage floors: 1 car $200, 2 car $350. Call 631-745-8806.

CLASSIFIED FORM

FOR RENT RENTAL: Room w/private bath. Kitchen privileges. $1600 mo. Male or female senior over 70. East End. Excellent refs. Please write to: PO Box 55, Montauk, NY 11954.

HELP WANTED! SALES REP

Nassau, Suffolk, Queens territories open. Experienced or retired salesperson preferred. E-mail your resume to frank@50plusny.com.

Classifieds must be submitted by the 15th.

ADVERTISE YOUR PRODUCTS OR SERVICES $60 Businesses • $35 Individuals (Non-business related) 15 words - $1 each additional word

All ads must be pre-paid. Rates are per month. For more information call (631) 286-0058 Ext. 220. PLEASE PRINT CLEARLY OR TYPE ON A SEPARATE SHEET OF PAPER

Name: Address: City: State:

Section: ❑ Real Estate ❑ For Rent ❑ Wanted

Zip:

Phone:

❑ For Sale ❑ Prof. Serv ❑ Other

Word Count:

Number of Months you Wish to Run Ad

Payment: $ ❑ Check ❑ Visa

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Mail with check or money order to:

50+ LifeStyles Attn: Classified Department, Barbara Connolly 146 South Country Road • Bellport, NY 11713 Or, fax with charge card # to (631) 286-6866 Or, E-Mail with charge card # to Barbara@50plusny.com -NO PHONE ORDERS TAKEN-

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CROSSWORDS 1

(Solution on page 4) ACROSS 1. Not sure of 5. Employ 8. Prefix predates video 12. Computerese position 13. Zero 14. Med school course (abbr) 15. IRS agents 16. About words 18. Gofer, bootlick 20. These can be obeyed or disobeyed 21. Heaven on earth 23. If you ain’t agin you’re this 24. There are 12 or four of these 28. These Kenyans won’t do this trick 31. Flight data 32. Liquid measurement in Spain or Port.

34. Help first 35. Enough (archaic) 37. Made sound in the Switzerland? 39. Contest 41. Lone 42. Omits something in speech 45. Ebb 49. Strangers usually do this in Westerns (w/town) 51. Maple genus 52. Summer quaffs 53. Father (Arabic) 54. Type of Eastern food 55. A legal breach of duty 56. It fills your car or wafts away 57. Ages

DOWN 1. Champion skater Katrina 2. Soldiers use a lot of this 3. Flightless bird 4. Over “thar” 5. Not proper 6. It’s you or they in German 7. A red Muppet 8. An ecdysiasts name, perhaps? 9. Inside 10. Hair remover 11. Ya-da, ya-das (abbr.) 17. Sandy might say it 19. It can be good or bad 22. Belonging to Verne’s captain 24. A standard in oil (abbr) 25. A vase

26. A father or mother is this 27. Gym clothes may be this 29. Option to live 30. Different 33. Editorially remove 36. Furthest across 38. Find 40. Group of publicly owned elec. cos. (abbr) 42. He, she, it was in Nero’s time 43. The pool deck on a cruiseship 44. You can hit this sometimes 46. Reverberate 47. College bigshot 48. Ares’ sister 50. Will advise (abbr)

50+ LifeStyles September 2017 • www.50PlusNY.com

(Solution on page 4)