OCTOber 2011
OUR FIRST RECIPE WINNERS PAGE 2
SINCE 1980 — VolUME 31 • NUMBER 10
What is Elder Law and When Might You Need an Elder Law Attorney?
Navigating the New Options for Medicare By Matthew Wiseman, Editor Senior Voice America If you’re 65 or older (or you have certain disabilities), you are qualified for Medicare, a national health insurance program enacted in the 1960s. Like most other health insurance, Medicare does not pay for all your health care costs. There are co-pays, deductibles and premiums. And Medicare does not cover the cost of longterm care. For most everyday medical needs Seniors might have and the treatment of more serious illness and injury, there are two primary choices: traditional Medicare and Medicare Advantage programs. In this article, we’ll briefly review the differences between traditional Medicare and Medicare Advantage programs. We’ll also look at Medicare’s prescription drug benefit. In future issues of Senior Voice, we’ll take a look at long-term care and estate planning. The good news is today’s Seniors have many options. The hard part is finding the best program for your specific needs. The best place to start is by reading “Medicare & You,” a handbook, which is mailed to every household who has a person who is eligible for Medicare. If you do not have the “Mededicare & You” handbook, you
“Elder law is as much about who is being provided legal services as it is about the services being provided” explains Valerie Peterson, Executive Director of ElderCounsel, an organization that provides education and document creation software to elder law attorneys. Peterson observes that “while the public is still largely unaware of this specialty, more attorneys are focusing their practices on serving seniors.” The desire to help older adults and their families is what inspires the majority of attorneys who practice elder law. Many witnessed circumstances among family and friends that may have been improved had an elder law attorney been consulted before a crisis. Stephanie Edwards of Edwards Elder Law in St. Petersburg recalls “My eyes were opened to the importance of advance planning when a close friend’s father faced a sudden decline in his health. Independence comes from having choices and choices have a lot to do with being educated and planning ahead.” Elder law attorneys have knowledge of the unique issues and needs that arise as people age, including: • Long-term care planning, including how to afford nursing home care while not impoverishing a spouse or becoming destitute • Preparing for and managing the challenges associated with family caregiving • Public and private resources for seniors in the community • Elder abuse, neglect and fraud • Planning for incapacity and end of life (Financial and Healthcare Powers of Attorney, Living Will)
Please See ELDER LAW, Page 22.
©bigstockphoto.com
By Sheryl Hunter, CEO Lifelines Academy & Network
can also view it online, by visiting http://www.medicare.gov/Publications/Pubs/pdf/10050.pdf. “The ‘Medicare & You’ handbook is well-written and easy to read,” says Lisa Wilson, Director of Marketing for Quality Health Plans. “It gives definitive answers on every type of Medicare, what to expect and how to get started. It’s the ‘how to’ of Medicare.” The “Medicare & You” handbook helps Seniors start this process with a handy checklist for common health care services. Once you know the kinds of services you are likely to require, choosing between traditional Medicare and Medicare Advantage becomes easier. If you choose Medicare Advantage, you will then select a provider based on which one’s benefits best meet your needs. For more on that, see Medicare Part C, below. Also note that beginning Dec. 8, 2011, you can switch to any five-star Medicare Advantage plan any time. Medicare Advantage providers are rated by their customers and those with the highest ratings can accept new patients any time.
Medicare Parts A and B If you collect Social Security or have a Railroad Retirement Board pension, you will automatically get Medicare Part A, which covers hospital stays. Part A is fully funded through taxes paid over your lifetime. You will automatically be enrolled in Medicare Part B, unless you decline coverage. Medicare Part B covers routine medical care and treatment you would receive from your doctor. There is a premium for Part B. Reasons to defer your option to enroll in Part B include having similar coverage from an employer, former employer or union, or enrolling with a Part C, Medicare Advantage provider. (See Part C below.) If you are 65 and older and you do not collect Social Security or RRB,
Senior Voice America… in print, on the web and on the air. Tune in to AM 1250 WHNZ every Tuesday and Thursday, from 11 a.m. to noon. Publisher Evan Gold brings you the information to live an active mature lifestyle. Visit our new website, Tampa Bay’s leading news source for seniors, www.seniorvoiceamerica.com.
you are very likely eligible for Medicare Parts A and B. You just have to sign up. To sign up for coverage, you must apply during the three months before your 65th birthday or the three months after. That gives you a total of seven months to sign up for coverage without risking delays and extra paperwork. If you sign up before you turn 65, coverage begins on the first day of the month you turn 65. If you are not signed up in the allotted time, you can also sign up between Jan. 1 and March 31, with coverage beginning July 1. Note that you may have increased premiums if you enroll late. If you become disabled or you are active-duty military or a military retiree, there are a few different rules. For further information, visit http:// www.medicare.gov. Regardless of your choice of coverage, it’s vital to your health and the financial health of your family that you have some kind of coverage. If you’re not sure, talk to several professionals before you make a choice. The Human Resources department at your current or former employer may be able to help. There’s also the Florida SHINE program. SHINE stands for
Please See MEDICARE, Page 8.
Page 2
Senior Voice America OCTOber 2011
Senior Voice Recipe Challenge
November’s Recipe Challenge is Chicken! THE SENIOR VOICE OF FLORIDA • EST. 1980 Senior Voice America, Inc. PO Box 270 • Lutz, FL 33548 Phone: (813) 949-0006 • Fax: (813) 433-5181 www.seniorvoiceamerica.com Staff Publisher: Evan Gold evan@seniorvoiceamerica.com Associate Publisher: Timm Harmon timm@seniorvoiceamerica.com Broadcast Producer: Deb Goldman deb@seniorvoiceamerica.com Editor: Matthew Wiseman editor@seniorvoiceamerica.com Creative Director: Ed Luiso ed@seniorvoiceamerica.com Circulation Manager: Sharon Altman sharon@seniorvoiceamerica.com ADVERTISING REPRESENTATIVES • (813) 949-0006
Time to show Tampa Bay that you’re the next Emeril or Rachel Ray. Could there be a Frugal Gourmet inside of you? Are you Tampa Bay’s Julia Childs? Who doesn’t like chicken? And there must be a thousand different ways to cook it. What is your favorite method? What keeps your friends and family asking for more? We’re in the south and everybody knows the south perfected Southern Fried Chicken… but how about Lemon Chicken, BBQ, Chicken Marsala, Sweet and Sour Chicken? The list could go on forever. Were you one of the folks that benefitted from “a chicken in every pot”? We grew up with Fried Chicken every Sunday. My dad used to ask why Mom bought chicken parts referring to the chicken wings one Sunday and Mom said… “Well, Jack,
they were on sale at Washington market for 10¢ a pound!” And if you make Buffalo wings, you know that story was a long time ago. Remember Rice Crispy Chicken? City Chicken? Chicken Pot Pie or Chicken Cordon Bleu? Show us your creativity. Our staff will prepare them in the Senior Voice America kitchen and select the top two and announce the winners in the November issue. Each winner will receive two vouchers for tickets ©bigstockphoto.com to a Florida Orchestra performance of their choice. Send us your favorite chicken recipe for the chance to see it published in the November issue.
Timm Harmon timm@seniorvoiceamerica.com
October “Breakfast” Recipe Challenge Winners
Scarlett Waldron scarlett@seniorvoiceamerica.com
Congratulations to our first two recipe challenge winners. Thanks to everyone that submitted your great breakfast recipes. I’m afraid we didn’t think about how much weight we might gain when we said we’d cook and eat the recipes you submitted. Our two winners are each receiving two vouchers for the Florida Orchestra performance of their choice.
Join our sales team. For information about opportunities throughout Florida and North America, email evan@seniorvoiceamerica.com.
Contributors Judith Sabghir Gannon, Ro Martinez, Dr. Bonnie Sanchez, Dr. Seth B. Forman, Robert Harwood, Wayne T. Altman Would you like to write for Senior Voice America? Please email editor@seniorvoiceamerica.com
Senior Voice is a Proud Member of Better Living for Seniors The Guardian Association of Pinellas County The Florida Assisted Living Association Senior Voice America is published monthly and is distributed free of charge, courtesy of its advertisers. Distribution area includes Pinellas, Hillsborough and Pasco counties. Articles and advertising contained in this issue do not necessarily reflect the opinion or endorsement of the publisher, who does not verify advertiser claims and reserves the right to refuse or discontinue any advertising.
Tune in to AM 1250 WHNZ... Tuesday & Thursday, 11am to Noon
Sour Cream Coffee Cake Submitted by Genevieve Shakas of Largo Ingredients: ½ cup of butter 2 cups of flour (sifted) 1 cup sugar 1 tsp baking powder 2 eggs 1 tsp baking soda 1 cup sour cream ¼ tsp salt 1 tsp. vanilla Topping ¼ cup sugar 1 tsp cinnamon 1 cup walnuts Directions: Preheat oven to 350. Cream together butter and sugar, add eggs and beat. Add sour cream, vanilla and sifted dry ingredients, mix well. Pour half the batter in greased tube pan and sprinkle on ¾ of the topping mixture. Add remaining batter and cover with remaining topping. Bake 45 minutes.
Egg Casserole Submitted by Mary Kosiorek of Palm Harbor Ingredients: 12 eggs (beaten) 1 ½ lbs ground breakfast sausage 16 oz. shredded Cheddar cheese 6 slices bread, torn into pieces Directions: Preheat oven to 350. Brown the sausage over medium-high heat in large skillet. Drain off grease and set aside to cool. Pour the beaten eggs into a slightly greased 9” x 13” baking dish. In a separate bowl combine bread pieces, cooked sausage and ¾ of the cheese and mix well. Pour the mixture into the eggs spreading evenly and top with the remaining 4 ounces of cheese and cover with aluminum foil. Bake at 350 for 15 minutes, uncover and continue baking until casserole is golden brown and bubbly (5 to 10 minutes).
Send your recipe to: Senior Gourmet, PO Box 270 Lutz, FL 33559 Recipe will not be returned. There will be two monthly Senior Voice Recipe Challenge winners. Winning prizes are subject to change. Senior Voice America, Inc., reserves the right to reprint the recipe without compensation to the individual submitter. Submission of the recipe signifies you are the owner of the recipe and that it is not copyright protected and gives Senior Voice America, Inc., permission to reprint.
OCTOber 2011
Senior Voice America
Page 3
LIVING
Easy Moving: Smart Tips to Save Time and Trouble
Active Senior Living In the Heart of Downtown St. Petersburg
©bigstockphoto.com
Moving comes with a mix of emotions that can be overwhelming. You may feel excited to live in a new home, but getting all your possessions moved can be stressful. The key to having a smooth move is staying organized and following a schedule similar to what the pros use. The first step is to not worry about your upcoming move. If you follow this simple timeline and valuable advice, any move can be quick, easy and organized:
2) Call service providers and utilities to discontinue cable TV, trash collection, water, gas and electricity. Consider scheduling cut-off for a day or two after you move, just in case there is a delay and you still need those services. 3) Ask for help. Get a crew of family and friends to save the date to help on moving day. You’ll need some strong folks to help move boxes and appliances and some others that are willing to watch children and pets so they don’t get in the way.
Three to Four Weeks Prior
One Day Prior
1) Estimate how large a rental truck you’ll need. In general, allow 150 cubic feet of truck space for each fully furnished room. For example, a 12-foot truck offers 450 cubic feet while a 26foot truck offers 1,400 cubic feet for your items. 2) Get the packing supplies you need. Save time by ordering your moving supplies like boxes, labels, bubble wrap and packing tape online now. Sometimes you can collect boxes at work or ask your local grocery store if they have any you may have. 3) Start packing. Begin with outof-season and non-essential items. Remember to label boxes clearly. This is also a good time to lighten your load. If you haven’t worn or used it in a year, donate it to charity. 4) Utilize technology. Did you know you can use your smartphone to quickly and easily rent a moving truck with Penske’s new mobile rental option? Simply access PenskeTruckRental.com from your smartphone and the site automatically becomes an easy-to-use mobile version. A few clicks and you’ll reserve the perfect moving truck for your moving day, saving you time and headaches.
1) Finish any remaining packing. Reserve one box for essentials which will be the last box you pack and likely the first one you open at your new destination. Include items like checkbooks, credit cards, IDs, glasses, prescription drugs, house keys and other necessities. 2) Pick up your truck rental the day or evening before the move to save time on moving day. Penske professionals will get you familiarized with your vehicle and help you verify the best driving directions to your new home. They’ll even check the upcoming weather and give you any necessary driving advice.
Two Weeks Prior 1) Change your address with the post office. Remember to update your address with other important contacts such as banks, credit card companies, magazines and professional associations.
Move Day 1) Pack the truck. Put the heaviest items on the truck first. When loading and unloading, be sure to bend your knees and lift with your legs, not your back. Work diligently, but be sure to take breaks and stay hydrated. 2) Leave early in the morning. You’ll run into less traffic and you’ll leave yourself extra time to unload at your destination. Take turns driving and take breaks once every two to three hours. 3) Get help unpacking. After a long drive you’ll appreciate assistance unloading the moving truck. If possible, have friends or relatives ready to help at your destination. By using this schedule, you’ll have an easy and smooth move without headaches so you can enjoy your new home and look forward to the future.
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Page 4
Senior Voice America OCTOber 2011
Health Roundup
No, You Don’t Have to Be Diabetic To Have Neuropathy Presents Great News! NO MORE SURGERY FOR SKIN CANCERS* Thanks to the new SRT-100 Low Dose Radiotherapy • No Shots • No Scalpels • No Stitches • No Cutting
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By Dr. Bonnie Sanchez, DPM Board Certified ABPOPPM Many patients ask, “Do I have to be Diabetic to have Neuropathy?” The simple answer is “No.” Neuropathy is any strange or unusual sensation often in your feet or legs. It is frequently described as burning, numbness or tingling. As if your feet are asleep or perhaps you feel you are walking on cardboard. Neuropathy is often associated with diabetes. However, non-diabetics can have it, too. The non-diabetic patient with neuropathy usually has other contributing factors, such as a history of chemo or radiation therapy, a back injury, chemical poisoning, peripheral arterial disease or peripheral vascular disease, or arthritis. Your neuropathy has its own unique symptoms and timing. Different treatments offer various levels of success. To sort through all of these variables, I have developed a 14-Step Protocol that
slices through the clutter and develop an individualized, effective treatment plan for you. With this plan, you can be certain that no treatment option is overlooked. Your plan may include therapies such as physical therapy, electrostimulation, Far-Infrared, Laser Light waves, magnetics, acupuncture and temperature gradient as well as diet and supplement management, topical medication and, as a last resort, oral medication. Fortunately, you don’t have to try each one of these to find relief. Based upon your basic medical history, your answers to my Neuropathy Questionnaire and your physical examination, I can determine the next logical step to offer relief from this awful condition. Your next step is to schedule an appointment and ask for help with your Neuropathy. I look forward to helping you. Pinellas: (727) 824-5100 or Hillsborough: (813) 645-1993.
Warning Signs to Look for in the Elderly Home Health Works is very often contacted by a family member with concerns about the welfare of a relative, so now staff at HHW have created a check-list giving the warning signs to look for in the elderly. Founder of Home Health Works, Sue Minkoff, R.N.. says “It’s often hard to tell if an elderly lovedone is deteriorating and needs some help with their everyday lives. This simple checklist gives 10 signs to look for, to help evaluate if they need some extra care.” Do you have an elderly loved one who you are concerned about? Are you worried that they may not be coping with day-to-day living on their own? Use the check-list below to help you to decide if they need some help: • They don’t appear to be regularly washing themselves. • There is an odor in the house when you visit — possibly urine or feces. They may be incontinent and unable to clean up properly. • They can’t keep up with the ba-
sic housekeeping required to maintain a sanitary environment. • Their clothing is dirty or you notice that they are wearing the same clothes every day. • They are losing weight, u n i nt e nt ion ally. • There is very little food, or improper food, in their fridge or cupboards. • They are ©bigstockphoto.com unable to keep appointments, due to absentmindedness. • They are forgetful and don’t remember to take their medications, or they take the incorrect dosage. • They say they are fine when you know they are not. • They are calling you more frequently to ask for assistance. If you have checked one or more of these items, you may need to look for help so you have some peace of mind. Home Health Works provides home health care professionals up to 24 hours a day in any home or facility within Pasco or Pinellas counties. They can be contacted at (727) 442-5612.
OCTOber 2011
Senior Voice America
Page 5
Health Roundup
How Can We Keep Our Minds From Dying Before Our Bodies Do?
©bigstockphoto.com
Keep up with the kids this summer.
According to a survey conducted by the Natural Marketing Institute, “losing mental function” is the number one fear shared by adults who were asked for their concerns connected to aging. “We fear the loss of mental function because of the burden it places on our families,” says neuroscience researcher Mark Underwood. Underwood says most adults can make changes in their daily lives that will improve their level of brain fitness. Some examples include: • Skip the chips. Eating too much fat and cholesterol seems to hasten the onset of Alzheimer’s, at least in a recent mice study. In human studies, being obese in midlife raises the risk of later memory problems, dementia and Alzheimer’s. The flip side: A 2006 study of more than 3,700 older adults found that those who ate plenty of vegetables slowed the decline of their mental abilities by 40 percent, compared with those who skimped on their greens. • Get some sun. A study of nearly 2,000 people last year suggests that vitamin D — the “sunshine vitamin” — could help keep your brain sharp. Among volunteers 65 years and older, those with the lowest levels of the vitamin were more than twice as likely to have cognitive impairment as those whose levels were optimal. Your skin makes vitamin D when it’s exposed to sunlight, but because the process gets less efficient with
age, some researchers also recommend supplements; talk to your doctor. • Lower brain calcium levels with supplements. Proper levels of calcium within the neurons are required for optimum brain function. As we reach middle age, brain calcium levels begin to rise because our bodies stop producing a protein responsible for regulating calcium concentration within the cells. • Exercise your brain. Two recent studies found that people who had spent more years in school or had worked in mentally demanding jobs stayed sharper, even when their brains were damaged by the plaques and tangles of Alzheimer’s disease. Lifelong hobbies such as playing cards or doing crossword puzzles might also help protect against the symptoms of Alzheimer’s disease. • Make time for friends. A little chatting can have a big payoff: A Harvard study last year found that socially connected people kept more of their memory intact as they aged — up to twice as much, according to one measure. • Keep moving. In a study of middle-aged and elderly adults with mild memory problems, those who started walking several times each week scored significantly higher on memory tests after just six months. Neuroscience researcher Mark Underwood is the founder and president of Quincy Bioscience, a biotechnology company based in Madison, Wisc.
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Page 6
Senior Voice America OCTOber 2011
CANCER ANSWERS
Lung Cancer and CT Scans In the not-too-distant past, many people thought of lung cancer primarily as a man’s disease. But not any more. Men may have started smoking decades earlier, but women have certainly caught up. Lung cancer deaths have started to decline in men. However, that is not the case for women. Consider this statistic from the U.S. Department of Health & Human Services: an astonishing 600 percent increase in lung cancer deaths in women occurred between 1950 and 1997. Lung cancer has surpassed breast cancer as the leading cause of cancer death in women. The Lung Cancer Program at Moffitt The Thoracic Oncology Program comprises a group of physician specialists who have the expertise to diagnose and treat lung cancer. Moffitt provides patients and referring physicians with the most current methods of lung cancer treatment care and support available today. The program utilizes an interdisciplinary approach to evaluate and treat lung and other thoracic cancers. This approach includes a team comprised of medical oncologists, pulmonologists, surgeons, pathologists and physicians in radiation therapy and radiology. These specialists work together to ensure coordinated care, good communication and an aggressive approach to treatment for lung cancer. Patients also receive support from a team of skilled nurses, psychosocial workers and dieticians and other healthcare professionals, all of whom have advanced education in caring for patients with lung cancer. A range of problems are addressed, including: • Suspected lung cancer • Newly diagnosed lung cancer • Recurrent lung cancer • Mesothelioma • Thymoma • Malignant effusions • Lung metastases (a secondary cancer that has spread to the lung from an other site) • Follow-up of patient already treated • Early detection and chemoprevention of lung cancer in high-risk individuals Our Lung Cancer Center has the very best treatment options available; however, the best is still not good enough. That is why we are actively working on research and special treatments called clinical trials for many of our patients. We believe this is the most effective way for many patients to receive the best care possible and for all of us to contribute to the prevention and cure of lung cancer in the future. CT Scans for Screening Early-stage lung cancer may not have symptoms, but as the cancer grows, signs include a persistent cough; trouble breathing, shortness of breath; constant chest pain; coughing up blood; a hoarse voice; frequent lung infections; feeling tired all the time; and weight loss for no known cause. Moffitt Cancer Center is now offering low-dose CT lung cancer screening. The test is targeting people 55 to 74 who have more than a 30 pack-year history of cigarette smoking (30 pack-year is equivalent to one pack per day for 30 years, two packs per day for 15 years, etc.). For those who don’t meet the criteria, a physician’s order is required. Appointments may be made with a pulmonologist in Moffitt’s lung cancer program to discuss the pros and cons of screening. CT scans of the chest have proved to be safe and effective for screening people at risk, as shown in a groundbreaking study recently published in The New England Journal of Medicine. Moffitt was one of the 33 study sites in the United States that participated in the National Lung Screening Trial. This study outlines the use of yearly chest CT scans for people at risk of lung cancer, leading to earlier detection of cancer before symptoms appear. Moffitt’s experts will review chest CT scans and all positive results will be evaluated by its lung cancer tumor board, which includes pulmonologists, surgeons, medical oncologists, pathologists, radiologists, radiation oncologists and nurses. Follow-up appointments for those with a positive screening CT will be scheduled to discuss results and create personalized treatment plans. Moffitt will also provide smoking cessation materials. To schedule an appointment for a chest CT screening, call the New Patient Appointment Center at (813) 745-3980 or (888) 860-2778.
For more information, you may contact Moffitt Cancer Center Toll Free at (888) 860-2778 or go to www.Moffittcancercenter.org
Health Roundup
No More Surgery for Skin Cancer
©bigstockphoto.com
By Dr. Seth B. Forman Forman Dermatology Are you sick of surgery for skin cancer? If you’re like many people here in Florida, skin cancer is not a one-time occurrence. Many skin cancer patients often have multiple skin cancers a year and, oftentimes, have multiple skin cancers in one visit. Most of these cancers are treated with surgery, surgery and more surgery.
What Does All of This Surgery Mean? Surgery means stopping your aspirin, warfarin and Plavix (and having those pre- and post-operative appointments with your cardiologist, neurologist or primary care physician). Surgery means taking pre-operative antibiotics if you have had heart valve or joint (knee, hip, etc.) replacement. Surgery means more shots and injections for local anesthesia. Surgery means more scars. Surgery means more band-aids and wound care. Surgery means higher risk for postoperative infections. Now, you have a choice in the comfort of your own dermatologist’s office. There is another answer: low dose radiation to just the skin. Now we can remove your skin cancer without removing your skin. Low dose radiation is limited to just the tumor and the surrounding skin. You now have the choice for the nonsurgical approach. Imagine leaving your dermatolo-
gists office without even a band-aid? Your life continues uninterrupted while you undergo treatment. Low dose radiation is FDA approved for treatment of basal cell and squamous cell carcinomas. The two tumors account for over two million tumors a year in the United States. The experience for a skin cancer patient is now different. Once you have chosen for the non-surgical option, you and your physician will create a simulation of the treatment. The simulation includes customizing lead protection and determining the dosage of your fractions. Patient often have anywhere between eight and 15 fractions. After the simulation is completed, then you are ready for treatment. An additional advantage is that more than one tumor can be treated in a session. This adds greatly to the convenience of low dose radiation therapy. You and your physician will have weekly evaluations to assess your progress. Patients can expect some redness and scaling in the area of the treatment, but the final scarring is minimal to non-existent. Pain is not usually an issue. And, you get to maintain your relationship with physician and staff that you have come to know and trust. Seth B. Forman, MD, is a Diplomate of the American Board of Dermatology, a Diplomate of the American Boards of Dermatology and Pathology and a Fellow of the American Academy of Dermatology. He has published multiple articles and textbook chapters on skin cancer.
OCTOber 2011
Senior Voice America
Page 7
Health Roundup
Having a Hard Time Reading The Fine Print?
Affordable Apartments for Seniors in the Heart of Sunny Downtown Saint Petersburg. • Newly Renovated • Porches • Pet Friendly
©bigstockphoto.com
• Free Gardening Area
It happens to the best of us… as we approach middle age, we start reaching for our “cheaters.” For some of us it seems to occur literally overnight. One day you can see just fine, the next you seem to need a magnifier to read the menu at your favorite restaurant. The good news is that most of us probably won’t have to deal with any problems more serious than just finding corrective lenses to help us. Have you been told by your doctor that you are developing cataracts? You and millions of others have heard this news but this is very common as we age. Cataracts are due to the aging process causing our eye’s natural crystalline lens to develop a type of cloudiness. This cloudiness can interfere with the light rays entering your eye, and cause the loss of contrast and clarity in your vision. Luckily there are procedures today that can provide clear vision. There are some great procedures now available that can help you to see near or far and in between without your glasses. These are known as intraocular lenses, or IOLs. IOL’s are artificial lenses that replace the eye’s natural lens when it is removed during cataract surgery. IOLs have been around since the mid-1960s, though the first FDA approval for one occurred in 1981. Traditional IOLs are monofocal, which means they offer vision at one distance only. They are definitely an improvement over your cloudy lens but you will still wear eyeglasses or contact lenses in order to read, use a computer, or view objects in the middle distance, especially if you are already experiencing presbyopia before cataract surgery. An intraocular lens (IOL) is a lens that is implanted in your eye, replacing your crystalline lens. These multifocal and accommodating IOLs offer the possibility of seeing well at more than one distance, without glasses or contacts. Inserting of an intraocular lens is a very commonly performed eye pro-
cedure which can be done under local anesthesia with the patient awake throughout the operation. The procedure usually takes less than 30 minutes in the hands of an experienced ophthalmologist and many patients can see near, far and in-between without their glasses immediately. To learn more about the exciting options available today, you are invited to schedule your appointment with John L. Michaelos and the staff at St. Michael’s Eye & Laser Institute by calling (727) 585-2200. You may also visit them online at www.stmichaelseye. com.
John Michaelos, M.D., of St. Michael’s Eye & Laser Institute Tampa Bay’s Premier Eye & Laser Center
Dr. John Michaelos started his practice in Largo and brought with him the skills needed for new technologies that were available for laser vision correction, improved techniques for cataract surgery and new cosmetic procedures. He continues to keep up to date with the latest technology through continuing education. Dr. Michaelos was one of the first 10 physicians in Florida to implant the Multi-Focal lens, known as ReStor, making him one of the most experienced in the area. St. Michael’s Eye and Laser is the only center in North Florida to be honored as an Alcon Center of Excellence. His specialties include: General Ophthalmology, Refractive Lensectomy, Corneal Transplants, Cataract & Lens Exchange Surgeries and Cosmetic Procedures.
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Page 8
Senior Voice America OCTOber 2011
switch back to Parts A and B, you can do that between Jan. 1 and Feb. 14. Serving Health Insurance Needs of Elders. You can If you become disabled or have certain other changcontact Florida SHINE at (727) 298-3080 or visit es in your health, you may be able to change at other http://www.FloridaSHINE.org. (For more on Florida times during the year. SHINE, see the article on this page.) When evaluating costs, Seniors should also note Medicare Part D that the Part B premium is based on income. You’ll If you need coverage for prescription drugs, Mediwant to consider all premiums and costs before you care Part D may be the answer. If you do not have primake a final decision. For more information on prevate insurance to cover prescription drugs — either miums for high-income earners, see http://www.sothrough your former employer or Medicare Advancialsecurity.gov/pubs/10536.pdf. tage, Medicare Part D may be for you. MEDICARE, Continued from Page 1.
Filling the Gaps Medicare Parts A and B do not cover every expense, particularly expenses like long-term care or in-home nursing. Private insurers have policies to fill these gaps, and you can find more information about them as well as reviews at http://www.medicare.gov/find-aplan/questions/medigap-home.aspx.
With the Medicare Annual Election Period quickly approaching (Oct. 15 through Dec. 7), Seniors are strongly advised to review their current health care and prescription drug coverage. Florida SHINE (Serving Health Insurance Needs of Elders), a program of the Area Agency on Aging, Pasco-Pinellas, Inc., is partnering with local libraries to provide much-needed information in advance of the enrollment period. These valuable seminars are free. Palm Harbor Library
2330 Nebraska Ave. Medicare 101 Tues., Sept. 27 at 2 p.m. ©bigstockphoto.com
Medicare Part C Also called Medicare Advantage, Medicare Part C is for people who prefer managed care like you may have had under an employer’s health insurance program. Medicare Advantage providers are private insurance companies contracted with the government to provide health care for enrolled Seniors. Medicare Advantage providers offer many benefits and some cost savings you won’t see with traditional Medicare. With Medicare Advantage, you may have to use certain doctors and hospitals who work with the Medicare Advantage provider. If you have a long-term relationship with a doctor and you don’t want to make a change, you’ll want to confirm the Medicare Advantage provider you choose works with your doctor. For most people who have had employer-based insurance over the last few years, you’ll be used to these network requirements. For most Seniors, it will not be a concern or inconvenience. It’s really worth comparing traditional Medicare to Medicare Advantage to find what works best for you. “Medicare Advantage programs are managed care,” says Wilson of QHP. “Because they’re an HMO, they’re focused on health and preventing medical problems. For someone just turning 65 who’s already been in managed care, they will find Medicare Advantage very similar.” Wilson says someone who is 85 who has traditional Medicare, may not understand that even though they don’t pay something monthly, when they go to the doctor there will be co-payments of maybe $15 or $20. “The answers are different based on a person’s age and experience,” Wilson says. “There are so many protections built in to Medicare and Medicare Advantage that someone who does enroll in a Medicare Advantage always has the option to return to traditional Medicare.” The difference, she says, is in the extras a person gets with Medicare Advantage. Some Medicare Advantage providers offer free gym memberships, lower co-pays and the convenience of having all your medical records in the network where all providers can access them. You can sign up for Medicare Advantage when you are first elegible to sign up for Medicare. If you are already using Medicare Parts A and B, you can switch to any Medicare Advantage provider between Oct. 15 and Dec. 7. Starting Dec. 8, you can switch to any fivestar MA provider any time. Since Medicare Advantage providers vary by state, you’ll want to locate all the ones available to you by visiting this web page: http://www.medicare.gov/finda-plan/questions/home.aspx. If you are enrolled in Medicare Part C and want to
Get Help with Your Medicare Options
Enrolling in Part D is similar to enrolling in Parts A, B or C. There are premiums and co-pays for Part D. If you or a family member need help getting prescriptions even with Part D, there are many programs that can help. Your doctor and his or her staff can sometimes help you find a program to help reduce the cost of certain medications. Medicare Part D also has the five-star rule beginning Dec. 8. This rule lets you change plans anytime during the year as long as the plan you are changing to is five-star rated. Just as there are Medigap insurance policies for Parts A and B (and some Part C providers), there are private policies that help with the cost of prescription drugs. You can learn more about these by visiting http://medicare.gov.
Putting It All Together Even though you may have been healthy all your life, as you approach your mid 60s, it’s quite likely you will need more health care services than you did in the past. Also, consider your parents’ medical history and that of older siblings to get a good idea of what services you may need as you celebrate your Golden Years. It’s important to have a plan and make informed choices when it comes to financing health care. One illness or injury can wipe out your entire nest egg if you fail to plan. The choices available are both good and bad. They are good because plans exist to help match your needs and budget. And they are bad in that with many choices comes lots of paperwork and lots of people vying for your business. “People need to analyze what their monthly costs are,” says Wilson of QHP. “For someone who is in a commercial plan now (like an employer-sponsored plan), where do they spend their money? Do they spend money on prescriptions and doctor visits? Have they had hospital stays? They really need to have an idea of where they are coming from before they make a decision as to how they will receive their Medicare.” As you approach 65, take time to read and explore your options. If you are already Medicare age and you are not happy with the outcome and service you are getting, it’s worth considering changing to a different plan. The “Medicare & You” handbook and consultation with Florida SHINE, can really help you know you’re making the best choice for your health.
Medicare Advantage Plans and Other Medicare Plans Thurs., Oct. 6, 2 p.m.
Understanding Medicare Prescription Drug Coverage Tues., Oct. 11, 2 p.m. Dunedin Public Library
223 Douglas Ave. Medicare 101 Wed, Sept 21, 2 p.m.
Medicare Advantage Plans Wed, Oct 5, 2 p.m.
Prescription Drug Plan Wed, Oct 12, 2 p.m. Medicare Part D Education
Epiphany Arms 2508 East Hanna Ave., Tampa Oct. 4, 11 a.m. Medicare Part D
Sterling Place Apartments 600 Old Combee Road, Lakeland Oct. 11, 1 to 3:30 p.m. Medicare Part D
United Community Church 1501 La Jolla Ave., Sun City Center Oct. 12, 10:30 a.m. SHINE Overview
Arbor Club, Sun City Center Oct. 13, 7 p.m. Medicare 101
Tampa Bay Presbyterian Church 19991 Bruce B. Downs Blvd. Oct. 15, 10:30 a.m. Part D Enrollment
Grand Court 4902 Bayshore Blvd., Tampa Oct. 18, 11 a.m. to 2 p.m. In addition to the free seminars listed above, oneon-one Medicare counseling is available year-round at the Dunedin Library. To book an appointment with a SHINE counselor call (727) 298-3080, Ext. 253. For further information about SHINE or to learn how you can help, please call the Elder Helpline at (800) 963-5337 or visit http://www.FloridaSHINE.
OCTOber 2011
Senior Voice America
Health Roundup
Going Blind: The New Wave in Aging Americans New DNA test for macular degeneration is key to prevent blindness Did you know that Powers enthusiastically Age-related Macular Dedescribes. generation has overcome Most treatments are diabetes as the No. 1 cause out patient, minor surgiof blindness in adults over cal procedures offered at 55 years of age? any HVI location in New AMD is an age-relatPort Richey, Dunedin or ed disease of the eye that St. Petersburg. progressively destroys Dr. Powers specializes sharp, central vision. in AMD and the treatThe key to prevent blindment of diabetic retinopness from this disease is athy. He cares for other to stop progression in its retinal diseases includearly stages before any ing vein occlusions, macvision loss occurs. ula holes/puckers, retinal How do we know if Dr. James P. Powers tears and detachments. we are at risk and who With more than do we trust to find the answers and get 100,000 patients treated, HVI is leadthe latest treatments? ing the way in the Tampa Bay area to To help tri-county residents in predict, detect and prevent blindness. Pinellas, Hillsborough and Pasco coun- HVI also offers the services of a board ties find out if they are at risk for AMD, certified optometrist and a highlyTampa Bay’s leading diabetic and se- skilled staff of optical technicians to asnior care center, Healthy Vision Insti- sist with all eye care needs. In addition tute, has teamed up with ArcticDx, Inc. to helping patients preserve their vision , a world renowned molecular diagnos- for many years to come, HVI has 15 tic company, to exclusively provide the supplementary services and benefits to first DNA test to determine inherited save you money, release your stress and risk for AMD. shorten your appointment wait time, Between 75 and 85 percent of all including reserved scheduling for all AMD has been traced to genes inherited AMD patients. from family members. Until recently, 15 Patient Benefits there was no opportunity to determine 1) Complete Senior and Diabetic Eye who may carry these genes or be at risk. Care “This new DNA test is 100 percent 2) Trustworthy Leadership accurate in identifying the AMD genes 3) DNA Genetic Testing for Macular and 83 percent accurate in predicting Degeneration the progression of AMD. This infor 4) Multi-Mode Testing mation is critical in determining an 5) 24-Hour Doctor Availability individualized treatment plan for my 6) Optical Boutique for all Ages and patients who want to save their sight,” Budgets explains HVI founder and medical di 7) New Healthy Sight™ Vision Aid rector, Dr. James P. Powers, a vitreoretProgram inal surgeon and board certified oph 8) Vision Saver Preferred Program thalmologist. 9) Patient Appreciation Programs Selected by ArcticDx for his special 10) Transportation Assistance and ized skill and experience with AMD paHome Care Services tients, Dr. Powers is invested in provid 11) Prescription Assistance Program ing the most technologically advanced - Free Home Delivery solution for diagnosing AMD. 12) Grants, Foundations and Finan “We call it the 1-2-3 Save Your Sight cial Aid Treatment Plan. First, HVI and Arc 13) Patient Referral Award Program ticDx financially guarantee that the 14) Patient Advocate: One-on-one DNA test will be covered by insurance Services Consultation for qualified patients. Second, HVI pro 15) 1-2-3 Save Your Sight Treatment vides patients with proactive, sevenPlan mode diagnostic testing with the high definition HRA Spectralis to pinpoint Call Healthy Vision Institute at (727) the early stages of AMD. Third, we have 738-5900 today or visit our website a 95 percent success rate stabilizing at www.HealthyVision.org for more any further regression with AMD and information on our services, DNA testan astonishing 40 percent success rate ing, new treatments and schedules for improving AMD patients by three lines complimentary screenings and educaor more on the eye chart,” Dr. James P. tional seminars.
Page 9
RE-ELECT MARY GRAY BLACK LARGO CITY COMMISSION, SEAT 1 • Honesty, integrity, leadership, dedication, and experience. • High quality municipal services at the lowest possible taxes and fees. • Insure residents receive prompt and courteous administrative treatment. • Protect traditional community standards valued by residents and property owners. • Insure property owners’ fair and equitable use of their property. • Uphold the city charter and city laws. Thank you for your trust and vote on Nov 8. Contact Mary Gray Black by email at Mary1860@verizon.net or by phone at 585-2852 Political advertisement paid for & approved by Mary Gray Black, candidate for re-election to Largo City Commission, Seat 1
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Senior Voice America OCTOber 2011
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Play It Cool in Your Fall Garden If you think the end of summer means your vegetable gardening days are done, you’ll need to reconsider. The weeks when summer fades into fall are actually an opportune time to plant cool-weather crops. Fall is a great time of year for planting vegetables. Some of nature’s most nutritious greens and veggies thrive in cooler temperatures. Planting them now, at summer’s end, can ensure a bountiful fall harvest. Plus you’ll save a bundle by avoiding the produce aisle in your grocery store for a few more months. The sunny, cooler weather of autumn is perfect for many vegetables. With increased rainfall and temperatures ranging between 60 and 80 degrees in the day and higher than 40 at night, your plants suffer less, increasing your likelihood of good harvest. You can even cope with frost; some hardy vegetables can thrive without frost protection and covering less resistant plants when frost threatens can keep them thriving. The secrets of successful fall planting don’t differ much from the techniques you’ve used during high season. Cool crops will need at least six hours of sun daily, ample water and a steady supply of much-needed nutrients. You can get a jump-start by planting transplants. Seed germination of cool crops during late summer requires much attention to detail. Transplants are a quicker, easier route to ensure success. Bonnie Plants, the largest producer of vegetables and herbs in North America, offers some quick tips for picking the right plants for your fall garden: • Choose fast-growing, leafy cool crops. Broccoli, Swiss chard, lettuce, kale, spinach, collards and arugula make great choices. Leafy vegetables are actually harder to grow in the summer, when the heat can cause them to “bolt,” forming flowers and seeds. Bolting leaves edible portions tasting bitter. You could choose to plant two rounds of these vegetables, in spring and again in late summer. • Don’t delay. Ideally, you should plant your fall crops before the end of September, although if you miss that window, it doesn’t mean you can’t still have a successful fall harvest. It just might take more time and ingenuity. • Pick a place. Your existing garden is the perfect place to plant cool weather crops. Remember, frost flows downhill like water, so spots at the top of a slope or in south-facing locations
©bigstockphoto.com
will remain warmest. • Raised Beds. Plant your fall crops in raised beds, which are easy to cover when frost threatens, or in pots that can be brought inside when temperatures dip too low. • Know how they grow. Pay close attention to “days to maturity” information listed on plant tags. You’ll want to give plants enough time to produce before killing frost arrives. • Use good garden practices. Loosen soil before you plant and mix in some all-natural fertilizer, like Bonnie Plants Herb and Vegetable Plant Food. Made from soybean oilseed extract, this food contains 150,000 nutritional and vital organic compounds including vitamins, minerals, amino acids, proteins, enzymes, plant hormones and carbohydrates, it’s an excellent source of nutrition in home gardens. Consider these popular plants from Bonnie: • Packman Broccoli — This hardy vegetable develops best during the cool season. It matures in 45 to 55 days and has large, bright green, mildly flavored domed heads. Plant transplants 18 inches apart in rows 30 inches apart. • Top Bunch Collards — This hybrid is heavy yielding, early maturing and more uniform than traditional varieties. The leaves are upright, broad and a beautiful, waxy, deep green. These collards grow best in full sun, but will tolerate partial shade. Like all collards, they are rich in vitamins and sweetened by frost. Space transplants 36 inches apart in rows 36 inches apart. • Spinach — A cool-weather vegetable related to beets and Swiss chard, Bonnie’s Spinach is a fast-growing plant. It yields many leaves in a short time in fall. Although it prefers full sun, spinach is one of the few vegetables that produce a respectable harvest in partial shade. With some advanced planning, active attention and the right choice of plants, you can continue to enjoy your garden and fresh, flavorful produce, long after the dog days of summer are done. To learn more about cool season varieties and helpful hints on getting your garden growing, visit www.bonnieplants.com.
OCTOber 2011
Senior Voice America
LOOKING GOOD
Tips to Save at the Pump ©bigstockphoto.com
How to Select a Formal Dress
Page 11
By Ro Martinez Our relaxed way of life has lessened the need for formal wear and some may choose to get married barefoot at the beach or go to a formal function in casual clothing. The rest of us still want to dress in formal attire when the occasion calls for it. It is that special occasion such as a wedding or cruise that requires us to have formal attire and seniors who have been married many years may want to renew their vows. Kelly Gorman, Director of Catering at the Safety Harbor Resort and Spa says, “What has become much more common place these days is we are seeing couples who have been married for many years, renewing their vows. Not just an anniversary party, but a second wedding. Especially if the couple never had a large wedding when they were first married.” Whether your event is a wedding, a
cruise or other special event, make sure to spend time looking at catalogues and window shopping before you attempt to make a purchase. Not knowing the style, color or price range of your garment is like a kid in a candy store: Everything will look good and at the same time you will not be able to make a decision. Knowing your body type and what looks best on you will help facilitate your choices. In my book, Modeling at Any Age, I write: “Department stores and specialty shops have sales personnel who can answer any questions about proper fit and will put together a great looking outfit.” The proper guidance given by someone knowledgeable in the industry will make shopping such a pleasure that it may actually be a fun experience. Men also have a need for formal attire not just for weddings but for business and charity events as well as black tie award ceremonies. This includes ev-
erything from the tux, vest, dress shirt and even shoes and socks. In many cases, a tuxedo rental store is the answerbut for the man who often attends formal events, purchasing his own tux might be more economical. My advice to anyone shopping for that perfect formal garment is to take their time and do not purchase the first thing you see. Having a well fitting garment in your favorite color will help you focus on the event rather than an ill fitting garment that is not “you” and one that was not within your budget. Ro Martinez, author, model and modeling coach has been in the business for 25 years. Her book Modeling At Any Age is a step-by-step, comprehensive, easy-to-read guide for modeling and how to flourish in the industry. For information on becoming a model or actress, visit www. modelingatanyage.net or email Ro at romartinezmodel@hotmail.com
Photos by Angela Mann Photography Hair by Monique McLaughlin • www.makeupandhairbymonique.com Makeup by Hilary O’Konski • (727) 543-4619 Special thanks to Safety Harbor Resort and Spa • www.SafetyHarborSpa.com
Senior Voice America… in print, on the web and on the air. Tune in to AM 1250 WHNZ every Tuesday and Thursday, from 11 a.m. to noon. Publisher Evan Gold brings you the information to live an active mature lifestyle. Visit our new website, Tampa Bay’s leading news source for seniors, www.seniorvoiceamerica.com.
It’s easy to panic at the gas pump when you watch those numbers fly by as you fill up. Much of the increased cost of gas can be offset by adjusting driving habits and implementing a preventative maintenance plan, says Rich White, Executive Director of the Car Care Council, which is offering these tips:. • Properly tuning your car improves gas mileage by an average of 4 percent. • Keep tires properly inflated for another 3 percent. • Replacing dirty spark plugs can reduce mileage by two miles per gallon. • Change oil regularly and gain another mile per gallon. Driving behavior also impacts fuel efficiency, so observe the speed limit and avoid excessive idling, along with quick starts and stops.
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Senior Voice America OCTOber 2011
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Time Savers for Preparing Healthy Family Meals The simple ritual of sitting down for nightly dinners with the family is no longer a thing of the past. More and more families are reaping the multiple benefits it offers, including the enjoyment of a home-cooked meal and meaningful discussions about the day. While family dinners encourage us to stay connected to loved ones, keeping up with busy schedules and making nutrition a priority is a challenge that many families face year after year. According to the Rice-a-licious Global Omnibus Survey 2010, 53 percent of consumers “would make a healthier meal” if they had time. Experts say that simple changes and the right items in your grocery cart can lead to an easier and healthier way to prepare great-tasting meals for your family. “Beginning your meal with rice
opens your family’s dinner plate to healthy eating because rice acts as a powerful tool that attracts colorful vegetables, savory spices and leaner cuts of meat,” says registered dietitian and chef Michele Powers. “Remember to look for recipes that include rice to create delicious and nutritious meals for your family.” And for those families that are time-crunched, Uncle Ben’s Ready Rice products are a simple solution. Ready to eat in just 90 seconds, they can be enjoyed as part of a balanced meal plan with zero grams trans fat and zero saturated fat. With virtually no clean-up needed, it’s easy for dinner to go from the microwave to dinner plate. For more convenient and healthy mealtime solutions that can bring the family together, visit www. UncleBens.com or www.Facebook. com/UncleBens.
Sesame Chicken Stir-Fry Prep Time: 20 minutes
serving seniors & their caregivers since 1966
Ingredients: 1 skinless chicken breast thinly sliced (1 cup cooked; 8 ounces raw) 2 tablespoons reduced sodium soy sauce or lite soy sauce 1 spray of cooking spray 1 tablespoon whole sesame seeds 1-2 teaspoons ginger powder 1/2 cup carrots cut into matchsticks 1/2 cup snow peas 1 8-ounce can sliced water chestnuts, with fluid 1/2 teaspoon toasted sesame oil 1 package Uncle Ben’s Ready Rice Jasmine Marinate sliced chicken breast in lite soy sauce. Heat large pan or wok over high heat. When pan is hot, lightly coat with cooking spray and add the chicken and soy sauce. Directions: Cook chicken for 1 to 2 minutes; add sesame seeds and ginger powder, stir to coat. Add carrots, snow peas, water chestnuts, including liquid and toasted sesame oil. Prepare rice according to package directions. Set aside. Cook until vegetables are crisp tender. Add rice; toss to combine. Serve hot. Serves: 2
©bigstockphoto.com
OCTOber 2011
Senior Voice America
Page 13
SENIOR GOURMET
The Essence of Taste: How to Give a Flavor Boost to Sweet and Savory Dishes The tastes and scents of food are a source of cherished memories over generations. A whiff of grandma’s vanilla-infused cookies is enough to put a smile on any face. A family reunion meal will always have room for timehonored traditions, as well as new interpretations of classic recipes. Chefs at restaurants and home cooks alike often have a secret weapon in their kitchen to give dishes that extra “something.” Many times this weapon comes in the form of pure flavor extracts. Adding pure flavor extracts to dishes can offer convenience and flavor without compromising your dishes.
When pure coffee extract is added to cocoa it makes a delicious mocha drink, and you can even punch up the flavor of tea by adding a touch of pure lemon extract. Manufacturers like Nielsen-Massey offer top quality pure flavor extracts that are ideal for both sweet and savory fare. The most exciting part of working with pure flavor extracts, for many cooks, is finding out how to make new and creative flavor pairings that are unexpected, and delicious. Vanilla and sweetness will always go hand in hand, but the flavor and scent profile of different types of vanillas can vary widely. Madagascar Bourbon pure va-
Rich Corn Bread Ingredients: 1 1/2 cups yellow cornmeal 1/2 cup unbleached flour, sifted 1 teaspoon each salt and sugar 3 tablespoons baking powder 2 teaspoons Madagascar Bourbon pure vanilla extract 3 eggs 1 cup milk 1/4 cup heavy cream 1/3 cup melted butter Directions: Preheat oven to 375 degrees. Grease a 12 x 16 inch pan or large cast iron skillet. Combine cornmeal, flour, salt, sugar, baking powder and vanilla. Add eggs lightly beaten with milk and beat until the batter is thoroughly blended. Stir in heavy cream and butter. Spread the batter into baking pan and bake for 20 minutes, or until well browned.
Golden Squash Bisque Ingredients: 2 acorn squash, peeled and quartered (about 2 cups) 3 tablespoons water 3 tablespoons butter 1/4 cup finely diced onion 1 tablespoon flour 1 1/2 cups (or more) organic chicken stock 1 bay leaf 2 whole fresh sage leaves 1 cup heavy whipping cream, warmed 1/2 teaspoon pure orange extract Directions: Preheat the oven to 375 degrees. Place the squash in a covered baking dish with the water. Bake for 30 minutes or until fork tender. Melt the butter in a large saucepan over medium-low heat. Add the onion and saute until golden brown. Whisk in the flour until blended. Add 1 1/2 cups chicken stock gradually, whisking constantly. Add the squash, salt and white pepper. Mash with a potato masher. Add the bay leaf and sage leaves. Simmer for 1 hour, stirring occasionally. Remove the bay leaf and sage leaves. Spoon the squash mixture into a blender. Add the warm cream a little at a time, pureeing after each addition. Add the orange extract. Pour into the saucepan and reheat thoroughly. If the bisque is too thick, you may change the consistency by adding additional stock 1/4 cup at a time. Serves 4 to 6.
nilla extract has a creamy, sweet, velvety flavor that is perfect for a range of products from baked goods to ice creams, salad dressings to barbeque sauces, Mexican pure vanilla extract is known by its creamy, spicy flavor that has a special affinity for dishes that contain chocolate, cinnamon and other warm spices, Tahitian pure vanilla extract is especially symbiotic with fruit-based products such as fruited yogurt and sorbet. It’s the variety and complexity that make vanilla perfect to experiment with in new and treasured recipes— from savory breads and meat rubs to soups. Home cooks can also intensify
tastes with other pure flavor extracts such as pure chocolate extract that can add a rich character, without sweetness, or pure peppermint extract that can bring the standard pairing of lamb chops and mint jelly up to date. The heart of winter is the perfect time to get in the kitchen and prepare delicious cool weather treats. The savory flavors of fall and winter are ideal to accent with extracts like orange, lemon or coffee. Try these recipes for entertaining and you’ll introduce your guests to the sweet and savory sides of your cooking repertoire.
Mexican Hot Cocoa Ingredients: 1 cup powdered nondairy coffee creamer 1 cup fine granulated sugar (or powdered sugar) 1/4 cup unsweetened cocoa 1 tablespoon Madagascar Bourbon pure vanilla powder 1 teaspoons cinnamon Directions: Combine all ingredients. Store in an airtight container. To serve: Add 2/3 cup boiling water to 1/3 cup Mexican Hot Cocoa Mix in a sturdy mug. Stir. Top with marshmallows, if desired.
Any-Flavor Cookies Any flavor extract can be used in this recipe, or they can be made entirely with vanilla extract. Chopped nuts can be added to the dough, or whole nuts or decorative sugar can be placed on top. Ingredients: 1/2 cup butter 1 cup sugar 1 egg, beaten 1/2 teaspoon Nielsen-Massey Madagascar Bourbon pure vanilla 1 teaspoon Nielsen-Massey pure extract (any flavor) 1 1/2 cups sifted all-purpose flour 1/4 teaspoon salt Directions: In a bowl, beat butter until soft, add sugar and mix well. Add the egg, pure vanilla and pure extracts and mix thoroughly. Add in the flour and salt and mix well. Shape dough into a log, wrap in waxed paper and chill until cold. Preheat oven to 400. Thinly slice the dough with a sharp knife and place on a greased baking sheet. Bake 8 to 10 minutes, or until lightly browned. Makes 42 cookies.
Page 14
Senior Voice America OCTOber 2011
Senior Happenings Oct. 8
Genealogy Class St. Petersburg Museum of History
Oct. 7-8
Largo Oktoberfest Oshy’s Irish Taphouse The street in front of Oshy’s sets the stage for the first night of this two-day Oktoberfest party with dancing to live music by Deutschmeister Blas Band and Cathy’s Lorelei Band, homebrews by members of the Pinellas County Pub Guild, vendors, authentic German food and contests for best stein and beer holding. The street closes for the second night and the party moves to Oshy’s parking lot. Dogs are welcome, so bring them for some fun, too. The fun runs to 3 a.m. both days. Oshy’s Irish Taphouse is located at 80 Clearwater-Largo Road N, Largo. For more information, call (727) 588-4444. Oct. 7
First Friday Music Series Dowtown St. Petersburg There’s plenty of great food and fine dining in the area, so come out and hang out with this diverse crowd. Enjoy the free live music in a unique, convenient and safe environment. What are you waiting for? Get downtown and Get down with the fun! Join the festivities between Second and Third streets on Central Avenue. For more information visit www.firstfridaystpete.com. Oct. 8
Backyard Composting Weedon Island Preserve Do you think making compost out of your yard waste is complicated? This free, informative workshop teaches how easy it can be. Just add your kitchen scraps to yard wastes like leaves and clippings and compost happens. Adding compost to Florida’s sandy soil provides much-needed organic material and nutrients while improving its water-holding capacity. Recycling your yard waste by turning it into compost rather than sending it to the landfill is a sustainable practice. Weedon Island Preserve is located at 1800 Weedon Drive NE, St. Petersburg. 9 a.m. For more information, visit www.weedonislandpreserve.org/ or call (727) 453-6500.
This four-part series will help beginners get started, explore techniques for advancing research skills of those who have already begun and provide all with an opportunity for a hands-on experience navigating the best genealogy web sites. St. Petersburg Museum of History is located at 335 Second Ave. NE, St. Petersburg. 10 a.m. For more information, visit www.spmoh. org/ or call (727) 894-1052. Oct. 8
Walk to End Alzheimer’s UMC of Sun City Center The Alzheimer’s Association’s Walk to End Alzheimer’s is a united movement to reclaim the future for millions. Walk to End Alzheimer’s will take place on Saturday, Oct. 8, at United Methodist Church in Sun City Center. Nearly 325 people from the Sun City Center area are expected at this year’s event to raise awareness and funds to fight Alzheimer’s disease. Start or join a team today at alz.org/ walk or call at (813) 684-1296 or (800) 272-3900. United Methodist Church, Sun City Center is located at 1210 Del Webb Boulevard West. Pre-Walk Activities at 8 a.m. Walk Step-Off at 9 a.m. For More Information, call Katie Wilson Hood at (813) 684-1296 or (800) 272-3900. Email her at hoodk@alzflgulf.org. Oct. 9
Alligator Walk Boyd Hill Nature Preserve Learn about the habitat, eating habits and other mysteries of our state reptile, the American Alligator on this hike. Boyd Hill Nature Preserve is located at 1101 Country Club Way S, St. Petersburg. 11:30 a.m. For more information, visit www. stpete.org/boyd/ or call (727) 893-7326. Oct. 12
Acrylics and Oils Life Enrichment Senior Center In this class, students will learn the basics of oil or acrylic painting. Perspective, floor, mixing, blending and brush control will be explored. This class will expand your artistic knowledge and skills. Students of all levels are welcome. Life Enrichment Senior Center is located at 9704 N Blvd., Tampa. For more information, visit www.lifeenrichmenttampa.org/ or call (813) 932-0241. Oct. 14-16
Premiere Oktoberfest The Heights Oktoberfest is always guaranteed to
be a brat-eating, beer-drinking good time. Singing, dancing, Shunkeling, live music and the overall feeling of “gemuetlichkeit” are trademarks of this event. The Heights is located at 1910 Ola Ave., Tampa. For more information, visit www.oktoberfesttampa.com Oct. 14
Brews By the Bay Florida Aquarium The Florida Aquarium’s Brews By The Bay features Oktoberfest brews and craft beers from Pepin Distributing and is the Aquarium’s annual beer & food festival. Enjoy one of the best parties in Tampa while sampling more than 85 different types of beer, excellent food from bay area restaurants and live entertainment. There are no crowded streets or long beer lines at this party, only cool exhibits and the kind of fun that can only come from a full barrel of beer. Florida Aquarium is located at 701 Channelside Drive, Tampa. 8 p.m. For more information, visit www.brewsbythebay.com or call (813) 273-4000. Oct. 15
St. Pete Oktoberfest Grand Central District This second annual 21 and older only event in the Grand Central District will feature craft beer, wine and champagne samples, authentic German, Italian, Caribbean and Cuban food, craft and art vendors and live music by Bay area bands. Early entry tickets valid starting at 5 p.m. Grand Central District is at Central Avenue from I-275 to 28th Street. For more information visit www.StPeteOktoberfest.com. Oct. 15
Bok Tower Garden Bok Tower Garden Bok Tower Gardens will offer free admission for the third annual Boktoberfest Plant Sale. Bok Tower Garden is located at 1151 Tower Blvd., Lake Wales. 8:30 a.m. For more information, visit www.boktoberfest.com or call (863) 676-1408. Oct. 15
Cajun Cafe Wine Festival Cajun Cafe on the Bayou Kim Crawford, Hogue, Primal Roots among the 100 wines from nine countries at tasting festival, with samples of Cajun Cafe’s tasty Bayou cuisine, live jazz from Bobby Tess. Proceeds benefit Abilities Foundation. For more information visit www.cajuncafeonthebayou.com or call (727) 546-6732.
Oct. 20
Beerrelevance Total Wine & More A classic ‘Old World’ vs. ‘New World’ style comparison and taste of brewing history. Savor classically-brewed beers from countries such as Germany, Belgium and England alongside North American beers brewed with inspiration from these old world brewing styles. History never tasted so good. Class includes beer selections, tasting sheets, take home educational materials and discounts on the beer presented in class. $15 per class. Class size limited to 30 people. Total Wine & More is located at 4880 Park St. N, St. Petersburg. 6:30 p.m. For more information, call (727) 544-6018. Oct. 20
Caregiver Support Pinecrest Place Retirement Community Are you or someone you know a caregiver? Come take a break, receive support and hear professionals discuss various topics related to caregiving. Second Thursday of each month at 3 p.m. Free adult day care provided with advance notice. Pinecrest Place Retirement Community is located at 1150 8th Ave SW, Largo. For more information, visit www.horizonbay.com/ Retirement-Communities-Florida/AssistedLiving-Largo-5.aspx or call (727) 581-8142. Oct. 21
Art After Dark Tampa Museum of Art A monthly celebration of art, music and entertainment, with libations from a cash bar. Tampa Museum of Art is located at 120 Gasparilla Plaza, Tampa. 8 p.m. For more information, visit www.tampamuseum.org/ or call (813) 274-8130. Oct. 21
Weedon Island Preserve Weedon Island Preserve They fly at night and give quite a fright. Florida is home to 13 species of bats that are year-round and seasonal residents. Come see them up close at this presentation by Cynthia and George Marks of the Florida Bat Conservancy. All ages welcome. Weedon Island Preserve is located at 1800 Weedon Drive NE, St. Petersburg. 1 p.m. For more information, visit www.weedonislandpreserve.org/ or call (727) 453-6500. Oct. 22
Classic Car Show Largo Community Center See some of the area’s most impressive hot rods and classic cars. Show off your own, or browse a showcase of the finest cars from the past several decades.
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Senior Happenings Cars of all ages are welcome. Largo’s Car Show Series is held from 5-7 p.m. on the fourth Saturday of each month. Entry fee is $10 per car and prizes for Best in Show will be awarded for each decade. Spectator entry is free and all ages are welcome. Largo’s Car Show Series event is proudly sponsored by Imperial Palms Apartments. Largo Community Center is located at 400 Alt Keene Road, Largo. 6 p.m. For more information, visit www.largocommunitycenter.com or call (727) 518-3131. Oct. 26
Florida Herb Garden St. Petersburg Main Public Library Enjoy fresh herbs in cooking, for medicinal and household uses as Master Gardener Ruth Davies shows how to grow an herb garden in Florida, with troubleshooting tips. Best for adults. St. Petersburg Main Public Library is located at 3745 Ninth Ave. N., St. Petersburg. 2 p.m. For more information, visit www.splibraries.org/ or call (727) 582-2100. Oct. 28
Corey Sunset Celebration St. Pete Beach
more information, visit www.spongedocks.net or call (727) 942-5605. Nov. 5-6
Miniature Train Rides Largo Central Park Kids of all ages can ride the miniature trains of Largo Central Railroad. Largo Central Park is located at 101 Central Park Drive. For more information, visit www.lcrailroad.com or call (727) 587-6775. Every Day
ZooBoo Lowry Park Zoo Lowry Park Zoo’s family-friendly Halloween event with haunted houses and trails for older zoo-goers, boo houses and seasonal lights for little ones. Also unlimited zoo rides in the dark, including the Roarin’ Roller-Ghoster family coaster. Through Oct. 30. Lowry Park Zoo is located at 1101 W. Sligh Ave., Tampa. For more information, visit www. lowryparkzoo.com or call (813) 935-8552. Sundays
Music Fest by the Bay The Pier
Senior Citizens Services of Clearwater is located at 1204 Rogers St., Clearwater. 10 a.m. For more information, call (727) 442-8104. Mondays and Fridays
Duplicate Bridge St. Pete Beach Community Center $1 per person. St. Pete Beach Community Center is located at 7701 Boca Ciega Drive, St. Pete Beach. For more information, visit www.spbrec.com or call (727) 363-9245. Mondays and Fridays
Tai Chi and Qi Gong Largo Community Center Learn this ancient relaxing form of exercise taught by Bob Ailes. This is a low impact exercise based Chinese Tai Chi (Yang style) principles. You’ll learn short forms, Nu Moom, Sh Kyu, Ql Gong Healing/Anti-Aging. Largo Community Center is located at 400 Alt Keene Road, Largo. 10:30 a.m. For more information, visit www.largocommunitycenter.com or call (727) 518-3131. Monday, Wednesday, Friday
Forever Fit Largo Community Center
Every Sunday The Pier hosts a new musical act for your listening pleasure at the Waterside Courtyard. Featuring local bands and musicians from a four county area with Top 40, Southern Rock, Classic Rock, Jazz and other types of music for your listening and/or dancing pleasure. The Pier is located at 800 Second Ave. NE, St. Petersburg. For more information, visit www.stpetepier.com or call (727) 821-6443.
A less intensive 45-minute workout for men and women that is safe and effective for those who want to be active and fit. Largo Community Center is located at 400 Alt Keene Road, Largo. 10 a.m. For more information, visit www.largocommunitycenter. com or call (727) 518-3131.
Sundays
Tuesdays
Yoga in the Park Curtis Hixon Park
Tai Chi Class Hale Senior Activity Center
This event is held in the streets of the historic Sponge Docks in the quaint shopping district, with many excellent restaurants. The event draws many tourist and has the support of locals and the Merchant Association. Tarpon Springs Sponge Docks is located at Dodecanese Boulevard between Hope and Athens Streets, Tarpon Springs. For more information, visit www.tnteventsinc.com.
A free one-hour yoga class in Curtis Hixon Park. Designed for all levels and be offered every Sunday evening at 6 p.m. Bring your mat and water bottle to the north side terraces. Come out and experience Yoga while watching the sunset over the city skyline in beautiful Curtis Hixon Park. Curtis Hixon Park is located at 600 N Ashley Drive, Tampa. 6 p.m. For more information, visit www.tampasdowntown.com or call (813) 221-3686.
Mind strength and body strength combined equal Tai Chi. The discipline utilizes slow and graceful movements centering on mind and body control and is taught by an instructor from the Taoist Tai Chi Society. Hale Senior Activity Center is located at 330 Douglas Ave., Dunedin. 9:30 a.m. For more information, visit www.bit.ly/93Z80n or call (727) 298-3299.
Nov. 5
Monday, Wednesday, Friday
A Night in the Islands Tarpon Springs Sponge Docks
Basics Computer Classes Senior Citizens Services of Clearwater
Breakfast Bunch Hale Senior Activity Center
Having officially been declared the “Sunset Capital of Florida” by former Gov. Charlie Crist, St. Pete Beach has launched this bi-weekly event featuring wine tastings, shopping, dining, arts and crafts and a variety of entertainment. Expect musicians, community drum circles, bucket drummers, fire shows, balloon twisters, jugglers and other types of performing artists. For information, call (727) 322-5217. Oct. 29-30
Sponge Docks Art and Craft Festival Tarpon Springs Sponge Docks
A night under the stars, on the historic sponge docks features live Greek music, Greek dancing and instructions, free lessons in tavli (Greek backgammon), dining and more. Tarpon Springs Sponge Docks is located at Dodecanese Boulevard between Hope and Athens Streets, Tarpon Springs. 6 p.m. For
“Basics” class includes the basics of the computer itself, how it works, overview of the internet, email, how to use it, setting up your computer for favorites, computer health, networks and basic trouble shooting. Meets Mondays, Wednesdays and Fridays.
Tuesdays
Mease Manor Retirement Community invites all area seniors to gather with friends at this weekly breakfast of eggs, pancakes, sausage, bacon, fruit, coffee and juice. Hale Senior Activity Center is located at 330 Douglas Ave., Dunedin. 8:30 a.m. For more information, visit www.bit.ly/93Z80n or call (727) 298-3299.
Thursdays
Chair Yoga Hale Senior Activity Center Seniors can us this series of low impact, gentle chair movements to maintain strength, have more flexibility and increase range of motion. Hale Senior Activity Center is located at 330 Douglas Ave., Dunedin. For more information, visit www.bit.ly/93Z80n or call (727) 812-4531. Thursdays
Ageless Grace Exercise Senior Citizens Services of Clearwater Senior Citizens Services of Clearwater offers the Ageless Grace life changing, healthy lifestyle program to all North Pinellas County Area seniors. MA, certified Ageless Grace educator. Advance registration is required. Senior Citizens Services of Clearwater is located at 1204 Rogers St., Clearwater. 9 a.m. For more information, visit www.agelessgrace.com or call (727) 442-8104. Fridays
Planetarium Shows St. Petersburg College Families with children ages 5 and older are invited to the “star theater” that can accurately simulate the night sky at any time or location on Earth. Weather permitting, the rooftop observatory will be open after the shows for kids to check out the stars and planets using their own eyes and telescopes. St. Petersburg College is located at 6605 Fifth Ave. N, St. Petersburg. 7 p.m. For more information, call (727) 341-4320. Fridays
Friday Night Movies Pioneer Park Movies in the park. Bring your blanket and a cooler. Pioneer Park is located at Main Street and Douglas Ave, Dunedin. 8 p.m. For more information, visit www.dunedingov.com or call (727) 812-4530. Saturdays
Hot Yoga Highland Recreation Complex and Family Aquatic Center Experience muscle tone development, release of toxins and increased weight loss with Highland’s Hot Yoga Class. Performed in a room heated to 85 degrees, participants benefit from increased flexibility as they develop strength, balance and range of motion. Highland Recreation Complex and Family Aquatic Center is located at 400 Highland Ave. NE, Largo. For more information, visit www.largo.com/department/division.call (727) 518-3016.
Email your Senior Happenings to happenings@seniorvoiceamerica.com. The deadline for the next issue is the 15th.
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Senior Voice America OCTOber 2011
Entertainment Life of Galileo
USF’s Florida Theater 2 Through Oct. 9 Tackling the conflict between dogmatism and scientific evidence, Bertolt Brecht’s play concerns the latter period of the life of Galileo Galilei, the great Italian Baroque natural philosopher, who was persecuted by the Roman Catholic Church for the promulgation of his scientific discoveries. University of South Florida is located at 4202 E Fowler Ave., Tampa. For more information, visit www.theatreanddance.arts.usf. edu or call (813) 974-3867. Noises Off
Francis Wilson Playhouse Oct. 27 to Nov. 6 This raucous comedy details the trials and tribulations of a group of comedic actors both on stage and off. The laughs never stop as the valiant cast and crew struggle to present the hapless comedy, “Nothing On.” Will the show go on? Francis Wilson Playhouse is located at 302 Seminole St., Clearwater. For more information, visit www.franciswilsonplayhouse. org or call (727) 446-1360. The Sound of Music
Manatee Players Sept. 22 to Oct. 9 The final collaboration between Rodgers & Hammerstein was destined to become the world’s most beloved musical. When a postulant proves too highspirited for the religious life, she is dispatched to serve as governess for the seven children of a widowed naval captain. Her growing rapport with the youngsters, coupled with her generosity of spirit, gradually captures the heart of the stern captain. Upon returning from their honeymoon they discover that Austria has been invaded by the Nazis, who demand the captain’s immediate service in their navy. The family’s narrow escape over the mountains to Switzerland on the eve of World War II provides one of the most thrilling and inspirational finales ever presented in the theatre. The motion picture version remains the most popular movie musical of all time. Manatee Players is located at 102 Old Main St., Bradenton. For more information, visit www.manateeplayers.com or call (941) 748-5875. The Lady With All the Answers
American Stage Oct. 1-16 David Rambo’s play about longtime advice columnist Ann Landers. Starring Carolyn Michel, a 20-year veteran of the Asolo Repertory Company in Sarasota, the show finds Landers in her Chicago apartment in 1975, dealing
with a looming deadline for a column about her own heartbreak. American Stage is located at 163 Third St. N, St. Petersburg. For more information, visit www.americanstage.org/ or call (727) 8237529. Hamlet Redux
Asolo Reperatory Theatre Oct. 6 The Asolo Repertory Theatre presents a production of this New Stages project, a performance of the classic play about justice, revenge and family conflict in a shortened version. Using Shakespeare’s original text, the show runs approximately 60 minutes including a post-show discussion. Asolo Reperatory Theatre is located at 5555 N. Tamiami Trail, Sarasota. For more information, visit www.asolo.org/ or call (800) 361-8388. Putnam County Spelling Bee
St. Petersburg City Theatre Oct. 7-23 This one-act musical comedy centers around a fictional spelling bee and the quirky kids who compete. St. Petersburg City Theatre is located at 4025 31st St. S, St. Petersburg. For more information, visit www.splt.org/ or call (727) 866-1973. Red Pepper
Venue Actor Studio Oct. 7-22 Silver Glass Productions presents the story of the 1950 U.S. Senate campaign in Florida. The show centers around incumbent Claude Pepper and George Smathers, a young protege of Pepper’s who launched a campaign against him. Venue Actor Studio is located at 9125 U.S. 19 N, Pinellas Park. For more information, visit www.redpeppertheplay.com or call (727) 822-6194. Leading Ladies
Early Bird Dinner Theater Through Oct. 30 Leading Ladies is the story of English stage actors Leo Clark and Jack Gable, whose fortunes have declined to the point that their bread and butter is performing a mishmash of Shakespearean scenes for Elk and Moose club members up and down the Eastern seaboard. Fortune smiles when the duo learns that a wealthy York dowager, Florence, is searching for two long-lost English relations, Max and Stephen, with whom she can share her estate. Jack and Leo resolve to pass themselves off as her beloved relatives and get the cash. But there is a problem: “Max and Stephen” are actually nieces, “Maxine and Stephanie.” But that doesn’t deter Jack and Leo. Florence recovers just as the pair arrives, but they decide to keep on, both
to try to outlast her health and to stay close to the objects of their interest. Romantic entanglements ensue as Jack and Leo change back and forth between their female alter egos to enable Leo to woo the old lady’s other vivacious niece, Meg, and Jack to romance Florence’s part-time aide Audrey. All of this under constant danger of exposure by the local Reverend (engaged to Meg), the Doctor, and Butch, Audrey’s beau. Early Bird Dinner Theater is located at 200 South McMullen-Booth Road, Clearwater. For more information, visit www.earlybirddinnertheatre.com or call (727) 446-5898. Lark Eden
New American Theater Through Oct. 9 Lark Eden is a stirring new play chronicling the friendship of three Southern women over 75 years. Natalie Symons takes us on an epic journey of love and loss, permeated by the fierce endurance of old friendship. A play told in letters, Lark Eden is at once a deeply moving and darkly comic look at the fingerprints that we unknowingly leave on the hearts of those we love. New American Theater is located at 183 Second Ave. N, St. Petersburg. For more information, visit www.newamericantheater.org or call (813) 784-0536. Ringling International Arts Festival
Ringling Museum of Art Oct. 11-16 Dance, music and theater artists from around Europe, North and South America headline this year’s annual festival — a collaboration between the Ringling Museum of Art in Sarasota and dancer Mikhail Baryshnikov’s arts center in New York. Choose from 45 festival stage productions in dance, music and theater. Performances are scheduled throughout the day and affordably priced so that you can enjoy multiple performances on any day. Ringling Museum of Art is located at 5401 Bay Shore Road, Sarasota. For more information, visit www.ringling.org or call (941) 3511660. The Sea Horse
Gorilla Theatre Oct. 13-30 Harry Bales, a man who is ready for love, spends his leave at “The Sea Horse,” a low-dive bar owned and operated by the tough Gertrude Blum, a woman who fears love. In one alcohol fueled night the two reach out, hurt, hold, fight, make love, and manipulate each other while finding that the dreams they share are far better than their separate lives. Gorilla Theatre is located at 4419 N Hubert Ave., Tampa. For more information, visit
www.gorillatheatre.com or call (813) 8792914. Celtic Thunder
David A. Straz Jr. Center for the Performing Arts Oct. 13 Celtic Thunder features performances by fan-favorites Damian McGinty, Keith Harkin, Ryan Kelly, George Donaldson and the newest member of the ensemble, Emmet Cahill. Delivering stirring and show-stopping performances, Celtic Thunder returns to their distinct Irish roots with this inspired collection of songs, including the sweet and tranquil Kindred Spirits, the rousing jig, A Place In the Choir, the seductive Black Is the Color and the upbeat Whiskey In the Jar, to name a few. David A. Straz Jr. Center for the Performing Arts is located at 1010 N MacInnes Place, Tampa. 8 p.m. For more information, visit www.tbpac.org/ or call (813) 229-7827. Gruesome Playground Injuries
Stage West Community Playhouse Oct. 13-30 This hot, new play follows the bizarre wounds that chart your life. Dark but humorous, it balances youthful exhuberance with raw tenderness. Doug is a daredevil jock with a bit of a death wish; Kayleen’s injuries are more internal and crushing to the soul. Broken hearts and broken bones draw them close but it is the undercurrent of yearning that leads them to find the healing power of love. Quirky and poignant. Stageworks Theatre is located at 1120 E Kennedy Blvd., Tampa. For more information, visit www.stageworkstheatre.org/ or call (813) 251-8984. You Have the Right to Remain Dead
Carrollwood Players Oct. 15 to Nov. 5 In this audience participation comdey, narrator, Harnell Chesterton, takes us to visit a small community theater group staging a play set in the Deep South. Who is killed and who is the killer? Did a member of the cast do it — or did someone in the audience? Just wait until local police sleuth, Officer Bainbridge, begins his investigation at a production of the audience participation comedy/murder mystery. Find out what happened — to whom and by whom. Carrollwood Players is located at 4333-5 Gunn Highway, Tampa. For more information, visit www.carrollwoodplayers.org/ or call (813) 265-4000. The Addams Family
David A. Straz Jr. Center for the Performing Arts Oct. 19-23 It’s every parent’s nightmare. Your little girl has suddenly become a young
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Senior Voice America
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Entertainment woman, and what’s worse, has fallen deliriously in love with a sweet, smart young man from a respectable family. Yes, Wednesday Addams, the ultimate princess of darkness, has a “normal” boyfriend, and for parents Gomez and Morticia, this shocking development will turn the Addams house downside up. It’s a family portrait that’s completely off the wall. For the official website, visit www.theaddamsfamilymusical. com. David A. Straz Jr. Center for the Performing Arts is located at 1010 N MacInnes Place, Tampa. For more information, visit www.tbpac.org/ or call (813) 229-7827.
at their Oklahoma homestead where long-held secrets are unflinchingly and uproariously revealed. This mammoth play combines epic tragedy with black comedy, dramatizing three generations of unfulfilled dreams, leaving not one of its 13 characters unscathed or any audience member unmoved. American Stage is located at 163 Third St. N, St. Petersburg. For more information, visit www.americanstage.org/ or call (727) 8237529.
Quills
When a strange mark appears on the walls, creeping its way throughout the confines of castle Lenore, something manipulates the mind of the only resident who can see these dark, vague images. Leaving his sanity to walk through the silent shadows, the poor soul tries to solve the mystery of this torturous haunting before it consumes him completely. First presented during the Hoffman Institute’s summer session, Nevermore combines several Edgar Allan Poe stories for a journey through the madness and delight of the macabre that are the hallmarks of Poe’s dark artistry. Ruth Eckerd Hall is located at 1111 N. McMullen Booth Road, Clearwater. For more information, visit www.rutheckerdhall.com or call (727) 791-7400.
David A. Straz Jr. Center for the Performing Arts Oct. 21 to Nov. 6 Doctor Royer-Collard, head of Charenton Asylum, is visited by Renee Pelagie, wife of the asylum’s most notorious inmate, the Marquis de Sade. Furious that her husband’s sadomasochistic pornography has tarnished her reputation, she offers the doctor any amount of money, if only her husband can be kept from writing. After confiscating the Marquis’ quills and paper, the Abbe de Coulmier is surprised to find lascivious new stories circulating in public. Despite a series of grisly events, the Marquis continues to pen his stories, even reaching out from the grave. David A. Straz Jr. Center for the Performing Arts is located at 1010 N MacInnes Place, Tampa. For more information, visit www.tbpac.org/ or call (813) 229-7827. Dracula
Tarpon Springs Performing Arts Center Oct. 22-30 In this classic play, based on the world famous book by Bram Stoker, young Miss Lucy Seward has been attacked by a mysterious illness. Dr. Van Helsing, a specialist, believes that the girl is the victim of a vampire, a sort of ghost that goes about at night sucking blood from its victims. The mysterious Count Dracula, who moves into nearby Carfax Abbey, may be involved. Tarpon Springs Performing Arts Center is located at 324 Pine St., Tarpon Springs. For more information, visit www.tarponarts.org/ or call (727) 942-5605. August: Osage County
American Stage Oct. 22-30 One of the most bracing and critically-acclaimed plays in recent Broadway history, August: Osage County is the hilarious and biting portrait of the dysfunctional American family at its finest — and absolute worst. When the patriarch of the Weston clan disappears one hot summer night, the family reunites
Nevermore
Ruth Eckerd Hall Oct. 22-29
The Comedy of Errors
freeFall Theatre Oct. 28 to Nov. 13 Two sets of twins, both separated at birth (and each set sharing not only the same face, but the same name) find themselves in the city of Ephesus on the same day. As each twin is repeatedly mistaken for the other, the plot thickens and the hilarity deepens until all is unwound and the brothers are reunited. Shakespeare’s first comedy remains one of his funniest and most universally appealing. In freeFall’s tradition of wildly accessible and enjoyable classical theatre that was begun with last season’s A Midsummer Night’s Dream, this is a smart, funny, fast-paced, and energetic romp to be enjoyed by the entire family. freeFall Theatre is located at 6099 Central Ave., St. Petersburg. For more information, visit www.freefalltheatre.com or call (727) 498-5205. Jerry’s Girls
Manatee Players Oct. 27 to Nov. 19 Jerry’s Girls is a celebratory twohour musical entertainment of glamour, optimism, love, melody, and women. More than most songwriters, Jerry Herman has put the ‘larger-than-life’ women of his shows center stage. There’s
Dolly Gallagher Levi of Hello Dolly!, Auntie Mame Dennis of Mame, Countess Aurelia of Dear World, Mabel Normand of Mack and Mabel and female impersonator ZaZa of La Cage Aux Folles. So it is fitting that in Jerry’s Girls there are women center stage once again. Jerry’s Girls affectionately celebrates Jerry’s special gift for writing songs that capture the true spirit of the American musical theatre. Manatee Players is located at 102 Old Main St., Bradenton. For more information, visit www.manateeplayers.com or call (941) 748-5875. DeckChairs
Venue Actor Studio Nov. 4-13 While relaxing in the deck chairs on a seaside promenade, a combination of joyous moments, spicy secrets, and family turmoil are revealed. Venue Actor Studio is located at 9125 U.S. 19 N, Pinellas Park. For more information, visit www.venueactorstudio.org/ or call (727) 822-6194.
from very different backgrounds reveal their secrets, fears and joys while dancing. Stage West Community Playhouse is located at 8390 Forest Oaks Boulevard, Spring Hill. For more information, visit www. stagewest.net or call (352) 683-5113. Henson Stuffed and Unstrung
Van Wezel Performing Arts Hall Oct. 5 What happens when the world renowned Henson puppeteers are unleashed? You get a new breed of intelligent nonsense that is “Stuffed and Unstrung” – a live, outrageous, comedic variety show for adults only. Prepare yourself for a delightfully unpredictable evening when six hilarious, expert puppeteers improvise songs and sketches based on your suggestions. Van Wezel Performing Arts Hall is located at 777 N Tamiami Trail, Sarasota. For more information, visit www.vanwezel.org/ or call (800) 826-9303.
The Brothers Karamazov
Asolo Reperatory Theatre Nov. 1-20 In his novel of the same name, Russian author Fyodor Dostoyevsky passionately explores issues of faith, betrayal, free will, greed and redemption. Part murder-mystery and part philosophical inquiry, this story set in 19th-Century Russia centers around a lecherous father and his three sons. Asolo Reperatory Theatre is located at 5555 N. Tamiami Trail, Sarasota. For more information, visit www.asolo.org/ or call (800) 361-8388.
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Largo Cultural Center Nov. 4-13 Eight O’Clock Theatre presents this 1948 Tony Award-winning play from the World War II era. Mister Roberts shows a side of war that is often forgotten, the boredom of the men assigned to less glamorous work. Largo Cultural Center is located at 105 Central Park Drive, Largo. For more information, visit www.largoarts.com or call (727) 587-6751.
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Six Dance Lessons in Six Weeks
Stage West Community Playhouse Oct. 6-16 Six Dance Lessons in Six Weeks is a touching and human comedy about a formidable retired woman, Lily Harrison, who hires an acerbic dance instructor, Michael Minetti, to give her private dance lessons — one per week for six weeks — in her gulf-front condo in St. Pete Beach. What begins as an antagonistic relationship blossoms into an intimate friendship as these two people
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Senior Voice America OCTOber 2011
Has Humana cancelled your dermatologist? You may be the victim of a medical switch on your Humana Gold plan Humana is telling seniors they can no longer see the dermatologist of their choice Now you have to see providers you don’t even know that are picked by Humana. You may even be treated by assistants, not physicians.
THAT’S WRONG But you can do something about this outrage Managed care open enrollment begins Oct. 15 Switch to a plan that allows you to select the board-certified dermatologist of your choice For more information visit www.fsdds.org You owe it to your health
OCTOber 2011
Senior Voice America
Page 19
Dollars and sense
Tips to Avoid Estate Planning Blunders By Robert Harwood Harwood Financial Group For most people, their money is there to support them, and they are not overly concerned with how much they leave to the next generation. But the fact is that the majority of us will be leaving some assets to our children; and it is very important that you create a properly structured estate plan that will pass as much of your estate to your children, or other beneficiaries, rather than Uncle Sam. I will often tell people: “If you want your children to remember you well when you are gone, you can simply put an ATM machine on your grave stone.” I am sure your children will visit often or “you can take the time to create an estate plan that will live long after you are gone.” Here are a few things you can do to assure that your estate will transition to your beneficiaries in a tax-efficient manner, while also allowing you to attach your values to your hard-earned money long after you are gone. It is your legacy. Take a little time out of your busy schedule to create a transition plan, so the legacy you leave is a good one. 1) Keep your will or trust up to date. There are many life events that occur that will affect the validity of your will or trust. Major life events, such as marriage, divorce, moving to a new state, or the birth or adoption of a child need to be reflected in
your estate planning documents. Keep your legal residence, marriage status, beneficiaries list, etc., updated. Make sure you have a Power of Attorney that is properly worded and executed. The Terri Schiavo case in Florida greatly emphasized the need for a properly worded Power of Attorney document. If you have any doubts at all, take the time to have your current documents reviewed. 2) Keep track of beneficiaries for all of your IRAs, qualified plans and insurance policies. Do you know who your beneficiaries are for these assets? If you don’t, they may be going to someone you no longer wish to receive them. You can easily change the name of the person that will receive their benefits by filling out a simple form. 3) Minimize the taxes your beneficiaries will pay. With the current deficit and debt load that our government is carrying there is a good probability that your children will have a significant tax burden in front of them. There are many strategies that you can employ as part of your estate plan that can either minimize or eliminate the taxes your beneficiaries will have to pay on your estate. Take the time to explore your options and do the best you can to reduce the negative effects your passing will have on your loved ones. 4) Create a legacy that will continue long after you are gone. I read a quote once that said “Leave your children enough that you help them,
but not so much that you hurt them.” I believe that since you worked hard for your money you should continue to attach your values long after you are gone. If your beneficiaries came to you today and asked for money, you would certainly ask them what it was for; and if you didn’t like the idea then you wouldn’t give them the money. Bring those same values into your trust. This will allow you to create a legacy where by your money to be used long after you are gone in a way that you would have been comfortable with while you were alive. 5) Explore the ramifications of joint asset ownership, especially when it is with your children. Joint ownership can cause some additional liability issues. You may want to use a Durable Power of Attorney or other legal document to accomplish the same goal. 6) Make sure your IRAs are set up to pass Multi-Generationally. This will, at a minimum, give your beneficiaries some control over when they will have to pay the taxes on your IRA. Better yet, consider a Roth Conversion and then make the
Please See ESTATE PLANNING, Page 27.
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Page 20
Senior Voice America OCTOber 2011
Dollars and sense
Investment Strategies Amid Downgrades, Downturns and Slowdowns By Wayne T. Altman Investors are being forced to cope with what many perceive as unprecedented circumstances in the economic and political environment. At the same time that the U.S. economic recovery appears to be slowing, one independent agency downgraded its rating on debt issued by the U.S. Treasury. Confidence that government policymakers can do anything significant to help improve the environment is low. These and other concerns are contributing to a sense of unease for many investors. How should the major events occurring in the global environment affect your personal portfolio strategy? Here are five realities to give you an appropriate perspective on the challenges that lie ahead: 1) The downgrade may be justified, but might have been premature. Standard & Poor’s shifted the nation’s credit rating from AAA to AA+. Part of their rationale appeared to center around concerns that a dysfunctional political environment will prevent budget issues from being resolved in an effective manner. However, history is filled with examples of how American politicians have forged deals to resolve crises. It may not be fair to discount the
potential that policymakers will come to agreement not just on budget issues, but other legislation designed to give the economy a boost. 2) The economy is being tested, but a repeat of 2008 is not inevitable. Recent memory can have a significant impact on investor behavior. The financial crisis that put the global economy on the brink in the fall of 2008 (and contributed to a 50-percent drop in the value of the S&P 500 stock index) remains etched in most of our memories. Fears have been raised that we may be facing a similar situation this year spurred on in part by the problems many governments (Greece, Ireland and Spain to name a few) are facing with their own debt issues. But it is not a foregone conclusion that we’re headed for the same result as three years ago. Circumstances are different today. For instance, many of the economic problems in the last downturn were related to the housing market bubble and excessive consumer debt. Today, housing prices are dramatically lower and consumers have begun to wind down their debt. There are other challenges facing the economy today, but a “double-dip” recession in the U.S. is far from certain. 3) Good news is often hidden. In periods like these when troubling news leads the headlines, investors are often
Recognizing Women Business Owners In today’s challenging economy, women business owners need to do more with less while expecting greater outcomes from their company finances. Florida CFO Jeff Atwater is focusing on these real issues by providing financial education for women business owners during the month of October, which is Women’s Small Business Month. CFO Jeff Atwater believes these workshops will have a positive impact on the financial success of the participants, which in turn will have a positive effect on their bottom line, as well as the overall economy. The workshops are not for women only but for anyone who has a small business or is contemplating starting one. These workshops will be offered in four cities, Jacksonville, Orlando, Fort Lauderdale and Tampa and will address areas of financial
concern, specifically, programs that will provide easy to understand training and financial education that will increase knowledge and improve business success. Topics presented will include: • Are You an Entrepreneur? • The 10 Most Common Money Mistakes • Are You Certifiable? Certifications that are available to Women Business Owners In addition to the resources offered by the Department of Financial Services, other agencies and organizations will be on hand to provide information and tools to maximize the financial foundation of your business. To register and for more information, visit www.MyFloridaCFO. com/Consumers or call (877) 6935238.
surprised when markets perform well. This is due to the fact that some market observers are looking beyond the headlines to see other trends that are favorable. The same is true in today’s environment. Corporate profits remain strong and companies in the U.S. and elsewhere generally have solid balance sheets. Emerging markets are growing robustly and will likely help spur ongoing economic activity in other parts of the world, including the U.S. Prices for gasoline have moderated in recent weeks, boosting consumer purchasing power. Even in difficult times, seeds of future prosperity are planted. 4) Stocks may offer more attractive value than bonds. Many individuals have been pulling money out of the stock market and investing in bonds (or bond funds). Yet with interest rates on U.S. Treasury securities near their historic lows there appears to be limited upside. Worse yet, bonds paying extremely low interest rates can be risky for investors. If interest rates begin to rise, bondholders could be in for a negative surprise. That’s because bond prices decline when interest rates rise. Stock values, meanwhile, remain well below the peak they reached in the fall of 2007 before the dramatic, 50 percent downturn occurred. At that time, the S&P 500 Index topped out at 1,565. Today the S&P 500 is 20 percent to 25 percent below that all-time peak. This indicates that upside potential remains over the long run, though the market will likely continue to suffer through ups and downs along the way. 5) Market gyrations should not overtake your investment strategy. Are you a long-term investor? Most everybody should be, at least with a portion of his or her portfolio. Even if you are retired or close to it, you may need to invest some of your money in stocks to help meet increasing income needs over the course of what could be a long retirement. If you are uneasy with your current asset mix, it is worthwhile to review your holdings and determine if there is a more appropriate solution for your circumstances. Keep well diversified and avoid putting too much of your money into a single asset or asset class to limit the risk of a dramatic change in its price. Don’t let today’s headlines overwhelm your investment decision process. The views expressed here reflect the views of Ameriprise Financial as of Sept. 14, 2011. These views may change as market or other conditions change. Actual investments or investment deci-
sions made by Ameriprise Financial and its affiliates, whether for its own account or on behalf of clients, will not necessarily reflect the views expressed. This information is not intended to provide investment advice and does not account for individual investor circumstances. The Standard & Poor’s 500 Index (S&P 500), an unmanaged index of common stocks, is frequently used as a general measure of market performance. The index reflects reinvestment of all distributions and changes in market prices, but excludes brokerage commissions or other fees. It is not possible to invest directly in an index. International investing involves increased risk and volatility due to potential political and economic instability, currency fluctuations and differences in financial reporting and accounting standards and oversight. Risks are particularly significant in emerging markets. There are risks associated with fixed income investments, including credit risk, interest rate risk and prepayment and extension risk. In general, bond prices rise when interest rates fall and vice versa. This effect is usually more pronounced for longer-term securities. Investment products, including shares of mutual funds, are not federally or FDIC-insured, are not deposits or obligations of, or guaranteed by any financial institution and involve investment risks including possible loss of principal and fluctuation in value. Diversification helps you spread risk throughout your portfolio, so investments that do poorly may be balanced by others that do relatively better. Diversification does not assure a profit and does not protect against loss in declining markets. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.
Wayne T. Altman is a Financial Advisor with Ameriprise Financial, 5426 Bay Center Drive, Suite 200, Tampa, FL 33609, Phone: (813) 868-8713. He is licensed/registered to do business with U.S. residents in the states of Florida, Indiana, Pennsylvania, South Carolina and Texas.
OCTOber 2011
Senior Voice America
Dollars and sense
ENJOY THE SPIRIT OF THE ISLANDS
Aloha
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Thursday, October 27 • 4 - 7 p.m. Complimentary tours, cocktails, food and refreshments Reservations: call Ebie at (813) 835-4475 by October 27 *Must complete tour to be eligible to win
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trict of Columbia, as well as exclusive frame damage records gathered from physical inspections at vehicle auctions. In addition, the AutoCheck Score offers users a system for comparing a vehicle’s history against other vehicles of similar make, model and mileage. This helps shoppers determine whether it is worth paying a little extra for a high quality vehicle. Once you have found a vehicle that fits your needs and you verify its history, it’s still important to have a qualified authority take a look at the vehicle. Because many shoppers are finding vehicles far from home, it can be challenging to physically check the car to make sure the description and condition match the ad. This is where an inspection service, such as InspectMyRide.com, comes in handy. InspectMyRide has a comprehensive, 150-plus point inspection service that provides a detailed analysis of vehicle condition. They send a qualified inspector to the vehicle, perform a road test when conditions permit, inspect the vehicle for signs of damage or concern and return a detailed report — including high-quality digital photos — usually within 24 hours. This gives car shoppers peace of mind that the vehicle they are looking at is as good as advertised. All of these steps — searching the databases of major used vehicle shopping Websites, reviewing a detailed vehicle history report and getting an inspection from a trusted resource — gives consumers the tools they need to find the right vehicle at the right price and make a stress-free purchase decision based on history and expertise.
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The world has shifted to the Internet and car shopping is no exception. Every day, more than 100,000 people find a vehicle they are looking for by shopping on an automotive website. Online destinations such as eBay Motors, NADA Used Car Guide and CarsDirect.com have literally hundreds of thousands of vehicles searchable by make, model, year, mileage, price and many other attributes to help narrow down a search to a handful of vehicles that meet your criteria. You want a red convertible with a V6, black interior, ABS and less than 25,000 miles? Chances are, one of these sites can help you find exactly what you are looking for. Once you’ve identified a few vehicles that could meet your driving needs, personal style and price range, it’s important to learn a vehicle’s history. An AutoCheck vehicle history report can show if a car or truck has had possible undisclosed or unknown problems that can affect an automobile’s safety and resale value, such as major flood or frame damage, or odometer rollback issues. One of the things car shoppers are most interested in is whether or not a vehicle has been in an accident. To meet this demand, AutoCheck.com has incorporated key information including police-reported accidents on vehicles from all 50 states and the Dis-
The spirit of the islands comes alive at Grand Court Tampa on October 27. That’s when we’ll celebrate our newly-remodeled community with an authentic Hawaiian Luau! Come make some waves with Polynesian-inspired cuisine, entertainment, and refreshments. You could even win a $500 gift card.* So put on your island attire, hang loose, dance the Hula and get ready for a great time. Be there. Aloha!
ys
Where to Look
Welcome … To Grand Court Tampa’s Luau and Renovation Celebration!
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Used vehicles are a lot like snowflakes or people — no two are exactly alike. Sure, two Ford Mustangs are exactly alike when they role off the assembly line; but once they go home with a human being, no two cars are ever quite the same again. Maybe one is meticulously maintained and only driven once a week to church and back. Maybe one gets in an accident, or is owned by a traveling salesman who drives 50,000 miles in a year. Once a vehicle has been on the road even for a short time, it takes on characteristics that make it just a little different from every vehicle on the road. So, with more than 30 million used vehicles sold throughout the United States every year, how can you make sure you get the right used vehicle to fit your needs, meet your price range and avoid getting a lemon? It comes down to knowing where to look, learning about a vehicle’s history and getting a trusted source to take a look under the hood to make sure the vehicle is in good working condition.
Page 21
Additional parking at Gandy Blvd. at Elberon St.
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Page 22
Senior Voice America OCTOber 2011
Pinellas Education Foundation Presents Seniors & Scholars Breakfast Oct. 19 The Pinellas Education Foundation, through its Seniors & Scholars program, offers members of the community, age 55 and over, the opportunity to remain informed about, stay connected to and be active in supporting the educational development of today’s students. It gives those involved opportunities to establish new friendships, enjoy informative programs, attend outstanding events and serve as mentors to students. One of the program’s highlights is the Senior & Scholars Breakfast Series. The event includes a full breakfast and presentations featuring subjects of special interest to the senior community. The kick-off for this year’s breakfast series is Oct. 19. Seniors & Scholars breakfast events are held in the Achieva Conference Center at the Gus A. Stavros Institute located at 12100 Starkey Road in Largo. Breakfast begins at 9 a.m. The program is free, but reservations are required and can be made by calling (727) 588-4816. Attendees enjoy a morning of facts, food, fun and valuable information. Two timely topics will be presented at the first breakfast: Changes in Medicare and Changes in Health. Sponsoring presenter, Dr. Raj Naik, of Bestcare Family & Geriatric Care, will discuss how to maintain good health by staying alert to changes as they occur. Dr. Naik is board certified in both internal and geriatric medicine. In addition, Mr. Michael Whitaker of WellCare will discuss updates on Medicare, including the new enrollment dates for 2012. The schedule for the 2011-2012 Wednesday Breakfast Series continues on Dec. 7 with a Holiday Show and 2012 presentations on Jan. 18 and March 21, 2012. The Pinellas Education Foundation is an independent, non-governmental not for profit organization whose mission is to enhance and improve educational opportunities in Pinellas County Public Schools. Founded in 1986 by Chairman Emeritus, Dr. Gus A. Stavros, the Foundation has raised more than $110 million to support the students and teachers of Pinellas County Schools and is consistently ranked among the top public school education foundations in the United States. For further information visit www.pinellaseducation.org or call (727) 588-4816 and press 0.
What will the downgrade of U.S. debt mean to your retirement? Grab The dramamine... we May Be In For a Long ride! Are you tired of riding the financial roller coaster? There are plenty of options available for you to create a secure retirement so that you can finally get back to a good night’s sleep! In our presentation Robert Harwood, in his capacity as an Investment Advisory Representative, will discuss how the recent downgrade may affect the markets in both the short and long term.
Stay Informed About Your Options! robert B. Harwood Financial advisor
ELDER LAW, Continued from Page 1. • Estate Planning (Wills and Trusts) • Veterans Benefits and Medicaid Planning • Medicare, Social Security and Disability Often the job of an elder law attorney is to correct misconceptions. “One common misconception is that Medicare will pay all long-term care costs. Another is assuming that to qualify for needs-based benefits such as Medicaid a person can simply transfer his assets to family members. These misconceptions can lead to significant emotional and financial stress for entire families,” explains Richard Kantner of Pinellas County whose practice includes estate planning, elder and real estate law.
When to Seek Out the Services of an Elder Law Attorney The ideal time to contact an elder law attorney is well before a decline in independence or incapacity becomes a reality. Pre-planning enhances the ability to maintain financial stability and choose care options, rather than default into the options that remain and are immediately available in an emergency. However, for those already in the midst of a crisis, it is not too late
Before hiring an elder law attorney, identify at least three in your area and do your due diligence. Ask trusted advisors for referrals. Explore the websites and credentials of the attorneys. Ask which specific services the firm provides and inquire about the attorney’s experience and fees. Prepare for your first meeting by writing out your concerns and needs and bring all relevant documents with you. Above all else, be sure you feel comfortable with the attorney; this person should be a partner in the planning of very important aspects of your life. Resources for finding elder law attorneys include The Academy of Florida Elder Law Attorneys {http://www.afela.com}, the Florida Bar {http://www.floridabar.org} (850) 561-5600, and your local Area Agency on Aging. Sheryl Hunter is the co-founder and CEO of Lifelines Academy & Network, a company that educates and connects professionals serving seniors nationwide. For more information, visit www.lifelinesacademy.com
Based on Sheryl Hunter’s interview of Amanda Wolf of Wolf Elder Law in Tampa 1) If you or a loved one has been diagnosed with a memory impairment (such as Alzheimer’s Disease) and want information on the legal implications or planning for the future; 2) If you are worried about how to pay for the cost of care at home, in an assisted living facility, or a nursing home; 3) If you want to protect your or a loved one’s personal decisions regarding finances, care options or end of life decisions through properly composed legal documents which meet Florida statute requirements including Powers of Attorney, Health Care Surrogate Designations, Wills and Trusts. 4) If someone is trying to sell you or your loved on a financial product (such as an annuity) and you’re concerned with how it may affect future public benefits qualification; 5) If you need advice regarding care options and need a knowledgeable advisor to guide you through your options.
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OCTOber 2011
Senior Voice America
Page 23
Great American Road Trips for Fall Foliage Pull that fleece jacket out of the back of the closet, order up a pumpkin-spice latte and breathe in the crisp morning air. Yes, fall is here. And that means the trees north of the Mason-Dixon line are beginning their yearly transformation into blazing glory. And what better way to enjoy the show than to hop in the car, roll down the windows and let the beautiful sights coast by. Here are the top scenic drives to see those vibrant leaves: Route 7
Connecticut, Massachusetts, Vermont Mid October “Vermont gets all the fall foliage glory, but southern New England has its fair share of blazing hillsides and quaint roadside towns,” says Pieter van Noordennen, editor of travel advice site Away.com and a Connecticut native. U.S. Route 7 runs 308 miles from Norwalk, Conn., to Highgate, Vt., passing through the Berkshire Mountains in western Massachusetts and Connecticut and continuing to the Green Mountains in Vermont. Fifty percent of the trees in this area
are red and sugar maples, creating the scarlet red and warm orange glow that is legendary in these parts. These spots are no doubt a mecca for serious leafpeepers. Make a weekend of it with a bed and breakfast in Middlebury or a camping spot at Kent Falls State Park. If you need a break from snapping leaf pictures, head to Waterbury, Vt., for a yummy tour of the Ben & Jerry’s ice cream factory. Route 7 was not unscathed by Hurricane Irene. But the damage is isolated to a few sections in Vermont and detours are in place. Besides, doesn’t taking a detour every now and then make for a good adventure? Call (800) VERMONT if you have questions about Route 7. Blue Ridge Parkway
Virginia, North Carolina, Tennessee Mid to Late October The Blue Ridge Parkway starts in Shenandoah National Park and winds 469 miles through western North Carolina to the Great Smoky Mountains in eastern Tennessee. The ups and downs
Please See FALL FOLIAGE, Page 24.
Introducing the
Senior Voice AMERICA
Inaugural Senior Cruise • January 29—February 5, 2012
The TheFirst first 10 5 bookings willwill receive bookings a Gift Certificate to receive 2 tickets to the Donatello’s Italian Tampa Bay Rays Restaurant
Sail with Senior Voice America, on a seven night cruise, departing January 29, 2012, aboard the Holland America’s newest ship, the Nieuw Amsterdam. Join us for this special inaugural sailing guaranteed to have so much in store for you all while experiencing Holland America’s exceptional service, along with the following:
* $75 per stateroom shipboard credit * R/T luxury coach from Pinellas and Hillsborough to and from Ft. Lauderdale * Senior Voice America welcome cocktail party with radio host Evan Gold – you won’t want to miss! * Exclusive private tour in Honduras * Choose one of two exclusive private tours in Half Moon Cay * Private cooking demonstration in the culinary arts center, with free samples * Exclusive Senior Voice America Senior Prom * Special speakers for Senior Voice America’s guests * Fitness and educational classes designed specifically for guests * Plus, you will be traveling with other seniors from Tampa Bay and across the country! * And many other surprises…
GREAT PORTS OF CALL Leaving from Ft. Lauderdale we’ll cruise to Half Moon Cay, Bahamas… Georgetown, Grand Cayman… Roatan (Mahogany Bay), Honduras… Costa Maya, Mexico… And back to Ft. Lauderdale*
* For more info or to reserve your stateroom, contact Judi Gordan at CruiseOne, (727) 397-1900 * Ports subject to change
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ENJOY GREAT TIMES, BUILD GREAT FRIENDSHIPS, AND HAVE EVERLASTING MEMORIES!
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SENIOR VOICE AD PROOF Senior Voice America OCTOber 2011
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FALL FOLIAGE, Continued from Page 23. along this parkway range from 650 feet to over 6,000 feet, with leaf color peaking at the higher elevations first. You will find a brilliant canvas created by the deep red dogwoods, the bright yellow hickories and the vivid orange sassafras. Orbitz recently launched an iPad app that makes booking hotels on the go easy, so you don’t have to plan too far ahead. Make pit-stops along the way in the “Blue Ridge Capital” of Roanoke, Va., hippy-chic Asheville, N.C. and the spectacle that is Gatlinburg, Tenn. At Senior Voice America, we want to know: why are the so many pancake houses in the Smokey Mountains? Natchez Trace Parkway
Mid to Late October Yosemite
Tennessee, Alabama, Mississippi Mid to Late October
California Mid to Late October
The Deep South breathes a collective sigh of relief as the blistering summer heat gives way to pleasant fall temperatures and lovely foliage to go along with it. The Natchez Trace Parkway begins in Natchez, Miss. and stretches a little over 440 miles to Nashville, Tenn. In late October you will see the maples, oaks and other hardwood trees showing off their vibrant red, yellows, oranges and purples. Leaves aren’t the only attraction. Hiking and biking trails dot the way, as do historic sites and charming craft centers, inviting you to park the car and stretch your legs. Camping is a budget-friendly option for a multi-day trip, or you can detour off the track for a comfortable hotel room.
Yosemite is a beautiful park year-round, but visit in October and you’ll see the maples, oaks and dogwoods boasting their color among the evergreens. Yellow is the favorite fall color of these deciduous trees, with some red and orange splashed in. Near the Yosemite Chapel, check out the non-native sugar maple that turns a bright red; there are several short walks and stops along the way where you can get great leaf photos. To make the drive more than just a day trip, roll into little towns like Mariposa and get a restful night’s sleep at the adorable bed and breakfasts. If you need a dose of closer-to-home fall foliage, GORP.com’s interactive fall color map shows peak seasons around the country.
FINALLY
Thank you for advertising in the Senior Voice of Florida. This is a copy of your ad as requested. Please check all of the information for accuracy and fax/email back with your approval or changes. If we do not get your approval in 24 hours the ad will run as above. Please note that creative changes after the 1st proof may result in production charges.
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OCTOber 2011
Senior Voice America
IN THE GARDEN Guidance for Gardeners: Avoiding Injury and Discomfort As cooler weather approaches it’s more comfortable working outside. Gardening is good for you on many levels — from the mental health boost you get from doing something relaxing to the physical benefits of exercise, time outdoors and adding fresh vegetables to your diet. Bending over to weed, gripping gardening tools and the general physical effort of gardening, however, can make existing aches and pains worse, or even cause new ones. This summer, take steps to ensure your gardening experience is as comfortable and beneficial as possible. Here are some ideas for avoiding injury and irritating existing conditions while gardening: • Warm Up — You wouldn’t go jogging or work out without doing some light stretching and warm-up exercises and you shouldn’t jump into gardening without warming up first. Before stepping into your garden, do some stretches to limber up, especially your arms, legs and back. When you’ve completed your gardening chores for the day, finish up with more stretching. • Banish Bending — Many Americans suffer from chronic back pain and while it’s important to keep moving despite discomfort, it makes sense to minimize activities that could create or worsen pain. Bending over to work in the garden can be hard on your back. If back pain is a concern, consider planting your garden in raised beds this year, or working with container gardens. Elevated beds require you to bend less when doing typical gardening chores. And container gardens can be placed on tables or deck railings to make it easy to reach plants. • Protect Hands and Wrists — Weeding, hoeing, raking, shoveling — the repetitive motions of gardening can lead to hand and wrist pain and worsen existing conditions such as arthritis. Taking steps to minimize irritation and discomfort while you
work can help ensure your gardening tasks don’t create aches or worsen pain. Consider wearing an Arthritis Glove, like the Imakmade glove commended by the Arthritis Foundation, to provide mild compression and warmth while you work. Because the gloves are made of cotton Lycra with an open fingertip design, they won’t make your hands hot or hinder movement. Designed by an orthopedic surgeon, the Arthritis Gloves are also fully washable, so you don’t have to worry about getting a little dirt on them as you go about your gardening tasks. Wearing any kind of glove can help you avoid blisters. • Guard Skin — Sunburn and insect bites are also a risk for gardeners, who spend a lot of time outdoors. While most insect bites are just an irritation, sunburn can cause serious, long-term skin damage. To ward off mosquitoes and other biting bugs, apply an insect repellent. Prevent sunburn by always wearing sunscreen — the kind that blocks both UVA and UVB rays — whenever you’re outdoors. Use a wide-brimmed, lightweight hat to shade your eyes and keep the sun off your head. Take frequent breaks and drink plenty of water, especially on hot days when you’ll be out for several hours. • Move Wisely — Lifting can be another source of back pain and gardening often involves lifting, whether it’s heavy bags of soil or seed, or a full basket of the fruits of your labor. Remember to lift from a squatting position, with your back straight, so that your legs do the work, not your back. When kneeling down, use gardening knee pads or even just a rolled up towel to cushion your joints from the hard, damp ground. Remember to minimize twisting motions that can inure your back and joints. With a few precautions, you can ensure gardening activities remain safe, enjoyable and pain free.
Page 25
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Page 26
Senior Voice America OCTOber 2011
Senior to Senior Woman Seeking Man
Subscribe Today! Don’t miss A Single Issue! Now you can get the Senior Voice America delivered right to your mailbox! It’s just $14 for a one-year subscription to The Leading Newspaper for Active, Mature Adults.
Honest European 69 W W F NS ND enjoy life SOH sincere ISO for gentleman for friendship. Tampa ( 813) 994-3238.
Name: Address: City:
State:
Zip:
Phone: Payment:
Retired, 75, 5’3 145 lbs. NS, ND, SOH loves traveling, dancing, cooking, financially secured. ISO professional respectful NS, ND, SOH LTR. Pinellas Park (727) 541-7035.
Visa
MasterCard
Check
Young 83 5’1 120 lbs Seeking a gentleman to go out to eat. I just really want the company of a nice white man. Holiday (727)-935-4969.
Signature: Credit Card orders maybe faxed to (813) 433-5181. Mail Payments To: Senior Voice of Florida PO Box 270 • Lutz, FL 33548
EMAIL: SR2SR@SENIORVOICEAMERICA.COM
Senior to Senior™ PO Box 270 Lutz, FL 33548 Email: sr2sr@seniorvoiceamerica.com Fax: (813) 433-5181
I am a:
Lady
Gentleman
Friend to Friend
Please include the following FREE AD of up to 30 words describing me or what I look for in a friend or a date:
Phone: First & Last Name: City: To the Seeker: Your name will not be published, only your phone number or P.O. Box.A new form must be sent each month for the ad to continue. The publisher reserves the right to edit all material. Senior Voice of Floridamakes no promises and bears no responsibility for results or non-results. Fraudulent or unauthorized entries are a Federal offense. Submissions are accepted on a first-come basis, until page is full. Unused submissions will be carried over to the following month. Coupons must be received by the 10th of the month.
M: F: S: D: WD: W: B: H: J:
Male Female Single Divorced Widowed White Black Hispanic Jewish
C: ISO: LTR: NS: ND: SD: SOH:
Christian In Search Of Long Term Relationship Non-Smoker Non-Drinker Social Drinker Sense of Humor
D W NS SD ISO loving gentleman age 60+. I am in my 60s H and W fun loving looking for a SOH man. Sun City Center (813) 6348063.
Hopeless Romantic S W M NS SD SOH 55, 5’10, 185 lbs, seeking slim, intelligent affectionate and romantic SF for LTR. I am athletic with green eyes, trim beard and mustache. Enjoys music, movies, sports and quiet evenings. St Pete (727) 492-8164.
D W NS ND Lady 62 one man woman 6270. Loves animals, holding hands, likes fishing, theme parks and walking on the beach. A little old fashioned about dating. Must be trust worthy and loyal. Largo (727) 531-7295.
I’m looking for you. If you are a triple S woman, w/f or Latina 60+, height weight proportioned willing to commit, love and all that is good in life. Call me for details. I’m open 24/7 YES (727) 992-2342.
D W F ND NS 60 ISO a honest gentleman that has love to give to one woman and be happy together, enjoy life. Call me if that’s you. Tampa (813) 802-5640.
S W M 67, 6’1 185 lbs NS likes baseball, fishing, shooting pool. ISO S W F under 55. Good looking NS financially stable LTR. I’m Broke but honest. Safety Harbor (727) 796-8756.
Petite Blond Italian lady ISO D W M 5’9 to 5’11 for travel, dancing and cruises. Especially must communicate well and have a SOH Clearwater (727) 474-5040.
W WD SD NS ISO Honest companionship with a down-to-earth woman for walks, talks, dining, dancing and possible LTR. Largo (727) 422-4972.
S W F NS C 60’s lady ISO S W M NS C 6575. Like travel, art, church and beach for LTR. 5’6 up slim gentleman. Call after 9pm please. Largo (727) 247-9253.
Tall, Dark, handsome 58yr. old man seeks woman for fun and friendship. Largo (727) 204-7400.
Card Number: Exp:
Senior to Senior Abbreviations
Seeking W M 65 to 80. I want a relationship. I am D W F 65 5’7 144 lbs. Road trips, Arts, eating out, gambling and more. St. Pete (727)286-1174. Lady- Christen petite ISO retired C M. A little dancing SOH NS ND LTR. Be happy and laugh. Largo (727)584-8926.
S W M 65 Former beauty salon worker seeks S W F tall slim stylish for LTR. Clearwater (727) 331-0700. Friend to Friend Looking for a friend who likes shopping, going out to eat, theme parks. I have my own car and money. My kids are grown. If you’re looking for an honest friend, call me. Tampa (813) 802-5640.
man Seeking WOMan
Senior Voice America... in print, on the web and on the air. Tune in to AM 1250 WHNZ on Tuesdays and Thursdays from 11 a.m. to noon. Also visit our new website, www.seniorvoiceamerica.com.
W D male. NS ND 5’9 – 170 lbs I am retired Italian romantic ISO, lady age 40 to 60 W, no Latina. Affectionate , active, love to dance cruise Caribbean. Lets enjoy life. Seminole (727) 710-3186. Retired D W M NS 5’11, ISO lady who likes sports, travel, dancing, slim. St Pete Beach (727) 252-6090.
D W F petite outgoing, vivacious ISO W M for exciting companionship, travel and possible LTR. Must have SOH. Clearwater (727) 474-5040.
Male looking for M or F to go on a trip (cruise) to the Caribbean in Nov. or Dec.. Cost is under $700. Call for more info (727) 7266844.
Senior to Senior
AUGUST 2011 2011 OCTOber
SENIOR VOICE AMERICA JULY 2011
SENIORVoice VOICEAmerica AMERICA Senior
PAGE 23 VOICE AMERICA SENIOR
PAGE2723 Page
TREND, From Page 18. TREND, From Page 18. not have full rights of surviRESIDENCES vorship for the surviving folio with investment products folio with investment products
RESIDENCES RESIDENCES Residences
spouse. This drop in income, that provide guaranteed inalong come.with the fact that one Heritage of the two While it’s social good tosecurity be aware Presbyterian Housing checks will be discontinued, of the demographic trends often putsaffect the the surviving that may markets, An affordable Senior spouse situdon’t in leta very themdifficult dictate Housing Community 411 First Aveyour N. ation. Make sure you have a33701 plan. Stay focused on your St. Petersburg. FLobOn Lake Seminole plan in place thatDowntown will jectives and• Great work withtake aLocation fi• Non Evacuation nancial professional to care of your loved ones long 10200 122nd Ave Affordable • gone. Over-most 55 ICommunity identify strategies likely after you are have Largo, 33773 SeniorFlHousing • achieve Why Buy-In? RentperInstead! to help your seen thisyou problem go unatSt. Petersburg • Delicious Chef-Prepared Dinner sonal financial goals. Phone (727) 393-3477 tended by •many families Housekeeping & Alland Utilities, Inc. article Don’t provides in1035 Arlington Ave N eN theirThis advisors. let it · Pet Friendly! TTY Callers sights from M&I Wealth Manhappen to you. See our ad on Page 3 St. Petersburg, FL 33705 705 1-800-955-8771 agement be information useful or callmay forPlan. more 8) Plan,that Plan, The to you in assessing risks and Phone: (727) 896-5148 5148 future is under(727) your 894-6788 control. opportunities in the current TTY: (800) 955-8771 771 www.WRH The decisions you makeRealty.com about environment related to your how you structure your estate financial and wealth planning will affect family confor needs. Theyour information many years after you are tained herein should not be gone. Put a little thought into construed as tax, legal, or innot just what, but how you vestment advice, and readers I Want to BuyDisease Your Clinic Parkinson’s ase Clinic want beneficiaries to reare your encouraged to consult at Morton Plant Hospital Hospital DIABETIC TEST ceive fruits of and your investlong theirthe tax, legal, STRIPS! Morton Plant Hospital offers a ital offers a and hard labor. Attach your ment professionals with spenewfor surgical treatment ent option I pay cash your unused dia-option cific questions applicable to values and create a lasting deep brain stimulation to am mulation to betic called test strips. My only retheir own financial situations. legacy. If you have a trust, get help manage the symptoms mptoms of quirements are that they’re of performance is not necdisease, including including still inParkinson’s it Past reviewed and modified so sealed, undamaged essarily a guide to future tremors, rigidity, slowness of owness of boxes, do that your values will be peratnot have your premovement stiffness, formance. ffness, and scription label onand them and and tached to your money long afwalking concerns. erns. The source for the statistics are not expired. ter you have passed. If you cited in this article is the UnitFor more information: mation: would like our assistance in It’s simple and I comeor (727)easy. 940-2791 91 or ed Nations World Population building a smart, cohesive esto you and pay cash. For MPMHealth.com/DBS m/DBS Database. tate transition plan that will ANY and ALL BRANDS! For more info 813-504-2158 address all of the items we or 813-935-2996 Call Randall at (727) discussed above, just LARGO ROOMgive FOR us RENT AND ROOM PET CARE LARGO ROOM FOR RENT ELDER,Ptak CHILD AND and PETNeuroscience CARE Pavilion ELDER, CHILD LARGO FOR RENT Orthopaedic Ptak298-1118 Orthopaedic and Neuroscience Pavilion www.tampabaydancing.com science Pavilion 430 Morton Plant St. • Clearwater a call and we will spend our 430 Morton Plant St. • Clearwater Clearwater Private bath.55+. Gentleman only, 70+ Private bedroom andbedroom bath forand senior I have decades ofPrivate experience in Elder Care 55+. bedroom andCare, bathChild for senior I have decades of experience in Elder Care, Child Care time together discussing your Use of kitchen, washer. have car. References Use of kitchen, washer. Must have a car,Must references. and Pet Care. cook andwasher. shop for you.have CanaDrive UseWill of kitchen, Must car, references. and Pet Care. Will cook and shop for you. Can Drive • Avoid contractors who ask • Avoid contractors who ask CHECK, From Page 18. 18. options and how they can be ESTATE PLANNING, $300 mo. (727) 584-8926 $350 mo. Call (727) 584-8926 to airport, appointments and anywhere within 100 $350 mo. Call (727) 584-8926 to airport, appointments and anywhere within 100 you to obtain building permits you to obtain building permits put into a plan. Continued from Page 19. miles. Reasonable, responsible and nurturing. Can miles. Reasonable, and nurturing. Can • License, bonding d insurance infor them, or find themresponsible new customers for them, or and find insurance them new incustomers CRIB, STROLLER, I hope found thisPLAYPEN inVILLA you FOR RENT VILLA FOR RENT formation, provide church and Roth local references. provide and local references. Multi-Generational. formation helpful and if you in exchange forchurch a discount. Acquiring in exchange for a discount. Acquiring As America’s economy strengthdrop-side crib.included. Great Condition. $150. • atfor Walk-In Showers: 1 BR Villa for rentNewer • $500/mo. Cable 1 BR Villa rent •439-0700. $500/mo. Cable included.Large Call MaryEtta (727) Call MaryEtta at (727) 439-0700. • Contractor specialties, es, permits and marketing his Even though Multi-Genernecessary permits and marketingnecessary his are in need of estate planglass doors and earth-tone tiles are ens, remodeling and home renovaLightweight Aria stroller. Folds Small. $75. Over 55 • Nice community Over 55 • IRAs Nice community • A credit review that will reveal any business will reveal any is part of the contractor’s job business is part of the contractor’s job ational are easy to set ning, we work very closely RETIRED AND BORED? RETIRED ANDthe BORED? being combined with luxury showtions are on rise. Two pac-and-play play pens. $25 each. (727) 537-9623 (727) 537-9623to Ed Slott, past collection or derogatory credit — not yours. ogatory credit — not yours. up, according with a number of attorneys in erheads and water jets for a spa-like For homeowners seeking inspira(727) 483-1305 WeStreet have a position for you. columBackground in Sales? We have a position events, and• As with virtually anything in Wall Journal • As with virtually anything in for you. Background in Sales? the area and PLAYPEN we would be CRIB, STROLLER, CRIB,open STROLLER, PLAYPEN feel. tion for their bathroom renovation, Full and part time positions immediately. Flexible Full and part time positions open immediately. Flexible • An life, easy-to-understand contractor and contractor life, if the offer seems too good to if the offer seems too good to nist and author of several happy to help RETIRED ANDone BORED? toCondition. locate here Call areatthe top trends to know: Satin Nickel Faucets: Newer drop-side crib. Great $150. to Newer drop-side crib. Greatsaving Condition. $150.From hours and areas. Call•books at (813) 949-0006 and areas. (813)An 949-0006 rating. be true, it probably is. An excepbe true,hours it probably is. excepon tax strateassist you. We also offer in Sales? have a aposition for yo 2009 to the ofFolds 2010, the$75. percent Lightweight AriaBackground stroller. Folds Small.We$75. Aria end stroller. Small. • Doubled Vanity: tionally long guarantee or an offer to With sepa- Lightweight tionally long or an offer to Additionally, the guarantee reports include eports include gies, 85 percent of all IRAs free second opinion on FIT FORdesigners 2011play pens. GET FIT and FOR 2011 Full and part time positions openyour immediately. Flexib ofTwoNKBA who specified aTwo pac-and-play play pens. $25 each. pac-and-play $25 each. vanities, homeowners GET as asinks “demonstration,” discount your job as a “demonstration,” information such as liens discount your jobrate n such as public liens record will fail to become Multi- investments, retirement and hours and areas. Call at (813) 949-0006 satin nickel faucet in the bathroom JazzerciseGenerational Lite • (800) 348-4748 (727) 483-1305 get theLiteindividualized Jazzercise • (800) 348-4748 spaces and (727) 483-1305 signs. are often warning orAn judgments against the signs. business. An are often warning e business. upon the death tax planning and would be rose from 45 percent to 57 percent. storage desire in their bathas 8.4 percent the Classified percent ofimportant the • Walk fromthey high-pres•fact, Walk away fromofhigh-presof the account owner and Adsaway CLA happy to sit with you to reCLASSIFIED ADS CLASSIFIED ADS rooms. •will Recycled Flooring: With the Experian’sIfdatabase had wants s databasecontractors had surein pitches. sure pitches. If a contractor wants a contractor be subjected to unnecesPlace your classified ad in the Senior Voice America today. Clean out your Place garage, sell that car, advertise your services. Ads are priced view your portfolio and see if Placesell yourthat classified ad in theyour Senior Voice Am Place yourClean classified adtaxes. in the Senior Voice today. Clean out your garage, car, advertise your •classified addecision in theHeat: Senioron Voice America today. out your garage, sellon that car,America advertise your increased focus sustainable maa lien and 6.2 percent had a youonto make an immediate percent had a on youfile to make an immediate decision Radiant Some compasary from $40 for up to 20 words, plus a phone number. Additional words are $5. To place your ad, callfrom (800)$40 600-4364, Ext. 221,services. orplus complete you Additional could be doing any better services. Ads are priced from $40 for up to 20 word Ads are priced from $40 for up to 20 words, plus a phone number. words are $5. To place your services. Ads are priced for up to 20 words, a phone number. Additional words are $5. To place your terials, tiles made from recycled cejudgment filed against hiring him, or to fund your project hem. hiring him, orthem. to fund your project nies install heating mats controlled 7) Estate planning for than you the form below and mail with a check payable to Senior Voice America at ad, PO Box 270; Lutz, FL 33548. ad, call (800) 600-4364, Ext. 221, or complete th currently are doing. ad, call (800) 600-4364, Ext. 221, or complete the form below and mail with a check payable to Senior Voice call (800) 600-4364, Ext. 221, or complete the form below and mail with a check payable to Senior Voice ramic, glass and metal are in. through his preferred lender, consider through his preferred lender, consider by for a thermostat under tile, stone, your spouse or other Our office of the month the next monthly issue. You can alsoKnow email your ad to sharon@ggpubs.com Deadline: 20th America America can at PO Box 270; Lutz, FL 33548. You can als be reached at the Signs gns America at PO Box 270; Lutz, FL 33548. You can also email your ad to sharon@ggpubs.com at PO Box 270; Lutz, FL 33548. You can also email your ad to sharon@ggpubs.com elsewhere. taking your business elsewhere. taking your business •sole A Hint of Nature: Wood and laminate and engineered-wood survivor scenarios. Deadline: 20th of the m (727) 524-1427 or by email at Deadline: 20th of the month for the next monthly issue. Deadline: 20th of the month for the next monthly issue. While most contractors are out honest ors are honest stone are in-demand It also find out what other It also pays to find what other floors. Name: Phone: pays to Often times a materials survivingfor Info@Har woodFinancialandtooperate within the law, it pays to law, it pays people have to say about the contractor bathroom design. people have to say about the contractorEmail: Name: Name: Name: Phone: spouse is not left with the fi- Group.com. Phone: • Seeing Green: The National Address: know warning signs of one is you’re s of one who is the Just as you once you’re considering. Justwho as you once considering. Address: • Fine Furniture: Standard nances they need to mainKitchen and Bath Association reAddress: Email: Address: Email: State: Zip: Robert Harwood is the not onCity: the up-and-up. The Federal . The Federal out prospective dates by talkchecked out prospective dates by checked talkbathroom cabinets are being retain Zip: their current lifestyle. ported that 24 percent of their deCity:State: State: Zip: City: City: President of the Harwood FiTrade Commission offers following s the following ing to friends andsigners othersused who aknew the ing to friends and the others who knew the placed by cabinetry with rich finishgreen color palette in This is especially true for nancial Group. Advisory serHeading: tips: person, you need to do some word-ofperson, you need to do some word-ofdetailing. Heading: their clients’ kitchens last year. Heading:es and couples that rely on their vices Heading: offered through • Beware of contractors mouth contractor researchwho before mouth com- contractor research before comractors who necessary in•pension QuartzforCountertops: The Trustmont Advisory Group, • Added Storage Space: For solicit mitting. door-to-door, only accept mitting. , only accept come. A critical part of any a Inc., 200 Brush Run Road, mineral boasts the homeowner with dozens of bot- low-maintenance cash or who don’t a phone number phone number Ask the contractor for the names Ask thehave contractor for the names higher durability against cracks and plan is to make sure that tles,clients jars he’s and worked accessories, KraftSuite A, Greensburg, PA that is associated withofapast validclients business. valid business. and numbers of past and numbers he’s worked dents than marble. when you pass away your 15601 Phone: (724) 468-5665. pullout creates Likewise, beware of anyone whoeven offers one who offers with. But keep inMaid’s mind, vanity even a filler reputawith. But keep in mind, a reputaloved ones will be taken while saving For more information visitcare www. Harwood Financial Group is discount your job is because he will ecause hetowill contractor is storage only going to give youspace with its ble contractor only going to giveble you of. I see many cases where Kraftmaid.com. slim vertical design. use materials over from afor previous not affiliated with Trustmont rom a previous contact contactleft information customers he information for customers he the primary pension does Advisory Group, Inc. job. knows were happy with his work. knows were happy with his work. EQUAL HOUSING OPPORTUNITY
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that provide guaranteed income. Heritage Heritage While it’s good to be aware Presbyterian Housing Presbyterian Housing of the demographic trends that affect the markets, An affordable Senior Anmay affordable Senior Home Rentals & Sales in Home Rentals & Sales in don’t let them dictate Recognized Housing Community Housing Community your 411 First Avefor N. a 411 First Ave N. Active Adult Resort. Active Adult Resort. plan. Stay focused on your St. Petersburg. FL 33701 St. FL 33701 Decade of Expert OnPetersburg. Lake Seminole On Lake Seminole objectives and workGalore! with a fi• Great Downtown Location • Great Downtown Location Amenities Amenities Galore! Alzheimer’s and • Non Evacuation • Non Evacuation nancial professional 10200 122nd Ave 10200 Ave a to Affordable You 122nd CAN afford You CAN afford a • Over- 55 Community • Over- 55 Community Dementia Care identify strategies most Largo, Fl lifestyle. 33773 likely Largo, Fl 33773 resort resort lifestyle. • Why Buy-In? Rent Instead! • Why Buy-In? Rent Instead! Senior Housing to help you achieve your per• Delicious Chef-Prepared Dinner • Delicious Chef-Prepared Dinner St. Petersburg 727-577-0135 727-577-0135 sonal financial Phone (727) goals. 393-3477 Phone (727) 393-3477 • Housekeeping & AllRoad Utilities, Inc. • Housekeeping & All Utilities, Inc. 620 Belleair Email: Email: This article provides in1035 Arlington Ave · PetNFriendly! · Pet Friendly! Clearwater, FL 33756 TTY Callers TTY Callers St. Petersburg, villagegreen@thesman.com villagegreen@thesman.com sights from M&I Wealth ManFL 33705 See our ad on Page 3 See our ad on Page 3 1-800-955-8771 1-800-955-8771 agement that may beN.useful 2001 83rd Ave. 2001 Ave. N. or call for 83rd more information or call for more information Call (727) 467-9464 St. Petersburg 33702 St. Petersburg 33702 to you in assessing risks and Phone: (727)(727) 896-5148 894-6788 (727) 894-6788 www.villasofbelleair.com opportunities in the current TTY: (800) 955-8771 www.thesman.com/village-green www.thesman.com/village-green www.WRH Realty.com www.WRH Realty.com environment related to your financial and wealth planning needs. The information contained herein should not be construed as tax, legal, or investment advice, readers Parkinson’s Disease Bachelors and I Want to Buy Your and I Want to Buy YourClinic are encouraged to consult at Morton Plant Hospital DIABETIC TEST Belles STRIPS! DIABETIC TEST STRIPS! their tax, legal, and investDance Club Morton Plant Hospital offers a I pay cash for your unused diabetic test I pay cash new for surgical your unused diabetic test ment professionals with spetreatment option Dances Every Friday Night strips. My only requirements are that strips. Mycalled onlydeep requirements are that cific questions applicable to brain stimulation to Zendah Grotto Hall, their own financial situations. they’re still in sealed, undamaged boxes, they’re stillhelp in sealed, undamaged boxes, manage the symptoms of 4450 W Ohio Ave Tampa 33607 PastFrom performance islabel not necdo notonhave your prescription on Parkinson’s disease, including do not have your prescription label 7:30pm to 11:30PM tremors, rigidity, slowness of essarily a guide to future perthem and are not expired. them and are not expired. Donation $9.00 movement and stiffness, and formance. 50’s, 60’s, & Latin I come tomusic you It’s simple and easy.concerns. I come to youIt’s simple and easy. 70’s walking The source for welcome the statistics Singles & Couples and pay cash. For ANY and ALL BRANDS! and pay cash.For For ANY and ALL BRANDS! more information: Large DanceisFloor cited in Wooden this article the Unit(727) or Call Randall at Theme (727)World 298-1118 Call Randall at940-2791 (727) 298-1118 ed Nations Population Dances, MPMHealth.com/DBS Outside Activities, Trips Database.
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Page 28
Senior Voice America OCTOber 2011
JUDI’S GEMS
NEUROPATHY &
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DID YOU KNOW Nearly a quarter of U.S. households are now involved in caring for an elderly family member or relative, spending an average of 20 hours a week in caregiving-related situations.
By JudithSabghir Gannon Just so you know, I am stewing over the chewing up of my beloved soap operas, All My Children and One Life to Live. For more than 40 years, I have faithfully followed the twists, turns and turmoil in the lives of my TV friends. As I watch the last few weeks, I am overcome by the real and raw emotions of the major characters. Watching Viki and Dorian say goodbye on One Life to Live was simply too depressing, especially after 43 years. The actresses truly conveyed their genuine feelings of sadness. The scenes were written with just the right amount of pathos and humor. As a viewer, I saw the bigger picture. To be candid, over the last few years, I have only cared and identified with the older characters. When I watched my shows late at night, I skipped over the plotlines of the teeny boppers and young adults. I have finally grown tired of looking at their perfect teeth, hair and bodies. I will sorely miss the characters who have aged just as I have. They have become a little less perfect, except for Susan Lucci. She certainly looks better than anyone I know in my circle of friends. She is still simply beautiful. I confess that Tad of All My Children has become too middle aged for me to enjoy. He is no longer that adorable teenager who charmed all the
women of Pine Valley. He was truly a lovable scoundrel. I wish he would have dyed his hair to get rid of the gray. Being far less shallow than I am, he opted not to and gracefully joined the older generation. His becoming a role model for the twenty or thirty-somethings did little to peak my interest. I have definitely seen it all on my beloved soaps — the weddings, the births, the cheating spouses, the evil twins, the tragedies, the natural disasters and the dead people who’ve come back to life. Let’s not overlook the toddlers who grow up instantly: One day they are three years old, and the next day they are teenagers. It makes for better drama. We viewers have experienced and forgiven a lot. It has always been up to us to reject or relish the changes. As the shows wrap up, viewing flashbacks to the past is very nostalgic. These episodes come flooding back to my memory and remind me that I, too, was once young, inexperienced, naive and a bit reckless. I don’t give a “flying fig” (to quote Maxi in “General Hospital”) about what The Chew will do for me or you! Who really needs a new daily take on what’s going on with food, life and pop culture? The Chew will have its heyday, but it will never last 43 years! Since I will not be following my TV friends to cyber space, I am actually saying goodbye forever. Like my favorite characters, I will learn to find new and meaningful ways to experience self-fulfillment. What I know for sure is that my life just won’t be the same. Perhaps that’s a good thing.
& Are Proud to ANNouNCe tHAt
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