Senior Voice America - September 2011

September 2011 Vol. 31 • No. 9

Eat Fresh, Eat Healthy at Your Local Farmers Market Now that cooler weather is approaching, it’s a great time to put on your walking shoes, head downtown and take home some fresh, healthy food.

All across the Tampa Bay area you will find wonderful, seasonal fresh produce, locally made crafts and even exotic spices, unique plants and clothes made from bamboo and hemp. There’s handmade furniture, too. Live music.

Live entertainment. Go see what you can discover.

In this issue of Senior Voice America, we thought it would be fun to list all the markets we could find. If we left one out, please email editor@seniorvoiceamerica.com and we’ll add it to our list on the website.

One of the oldest and largest is the Saturday Market in Downtown St. Petersburg. However, we’ve found markets in our area almost every day of the week. Saturdays and Sundays offer the most. In Seminole, there’s even a market in the mall.

No matter where you live in the Tampa Bay area, you’re sure to find a fresh market nearby.

Since there are nearly two dozen markets in our area and most are one day a week, we thought it would be best to organize them by day. Enjoy!

Dunedin Green Market

Saturdays

Pioneer Park Main Street & Douglas Ave

Saturday Market 100 First St S • St. Petersburg

Fresh food and produce, spices, clothing, crafts and live music. www.dunedingov.com/Editor. aspx?page=events/greenmarket (727) 733-4215.

Vendors offer fresh produce, gourmet foods, baked goods, plants and flowers, featuring local artist, live music, organic growers and green products. Relax and enjoy a delightful afternoon in the shade of the garage and the cool breezes from the waterfront. 9 a.m. to 2 p.m. Begins Oct. 1. www.saturdaymorningmarket.com (727) 455-4921.

Dollars and sense

Investing in an Aging World

A look at our current stock market crisis.

©bigstockphoto.com COURTESY: St. Petersburg Saturday Morning Market

Saturdays

Saturdays Lakewood Ranch Farmers Market Main Street This market features gourmet foods,

Please See MARKETS, Page 11.

By Robert Harwood Harwood Financial Group One of my responsibilities as a financial advisor is to study current events that may affect the markets and to protect my clients from possible bad outcomes. I am here to protect my clients’ financial best interests and cannot do that without a good understanding of how markets move. I can’t predict the future, and it is impossible to plan for every event. What I do is study the past and help my clients to do the best they can regardless of market condi-

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.

tions. I want to share with you some historical data that may bring our current stock market volatility into perspective. There have been two major corrections with similarities to our current economic crisis, the Great Depression and the current financial problems in Japan.

The first chart I want to share with you shows the Dow Jones Industrial average from late November 1929 to January 1930. Notice the overall drop from the high in September 1929 to the low in November 1929. The

Please See Aging, Page 18.

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Senior Voice America

September 2011

GUEST COLUMN

The ACE Generation: Ageless Caring Elders THE SENIOR VOICE OF FLORIDA • EST. 1980 Senior Publishing and Meetings, 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 Timm Harmon timm@seniorvoiceamerica.com Mark Sussman mark@seniorvoiceamerica.com Scarlett Waldron scarlett@seniorvoiceamerica.com Join our sales team. For information about opportunities throughout Florida and North America, email evan@seniorvoiceamerica.com.

Contributors Margo Tarr-Boyington, Ro Martinez Would you like to write for Senior Voice America?

Please email editor@seniorvoiceamerica.com

PRODUCTION AND PRE-PRESS Potato Communications, Inc. matt@hotpotato.us 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.

By Margo Tarr-Boyington Out of the rocking chairs, today’s aging population 60-100 is reinventing itself, eating healthier, exercising with yoga, pilates, taking vitamins and reshaping their bodies with plastic surgery, botox and when needed artificial knees and hips. They are survivors, refusing to surrender in spite of woes, sickness, deaths and broken dreams.

The aging process cannot be stopped completely: Mirror, mirror on the wall, is this really me?

Those youthful and sometimes wasted years cannot be regained, but there are many little secrets that can bring a sense of personal pride, achievement and contentment by staying in touch with fam-

ily and friends, traveling, joining community groups, starting a new hobby, painting, writing, walking with your dog, going to a mall and updating your wardrobe.

Make a list of “stuff” acquired through the years and boxed somewhere, not needed in daily life, “stuff” listed in a will and distribute it now to family and special friends. Bundle books of special interest and give them to someone you know, or to a library.

Giving is priceless and you will witness their joy while you are still alive.

The French word for happiness is “bonheur.”

Translated, it means “good hour.”

May you enjoy many good hours in your final chapters of life. You are the ACE generation!

Senior Voice Recipe Challenge

Do you have an inner child named Emeril or Rachel Ray? Is there a frugile gourmet inside of you?

Are you Tampa Bay’s Julia Childs?

What is it that we all have in common whether we are 46 or 86? We all have to eat, and we all want to like what we’re eating. And that’s where Senior Voice America readers can help.

Beginning this month, we are asking you for to submit your favorite recipes. We will do a different category each month to try and find the Best of the Best!

Since we all know the importance of a good breakfast, we’ll start there. Send us your favorite breakfast ideas. It could be a Quiche or Eggs Benedict, Pancakes or French Toast, Doughnuts or Bagels. (Although isn’t it easier just to go buy a bagel?)

How about your favorite breakfast beverage… have a special Mimosa or Bloody Mary recipe, or a fruit smoothie for those of us more health conscious? And along those same lines… do you have you own way to cook with an egg substitute like Egg

Beaters? How about the old One-eyed Egyptian or Camel’s Eye, or even Uncle Frank’s Special Omelet. Who thinks they make the very best Coffee Cake, Zucchini or Banana Nut Bread? The point is many of you are great cooks with recipes to share.

Each month we will select 12 of best sounding recipes from those submitted and make them in our Senior Voice America Kitchen. Then the management and staff of Senior Voice America will select the best two. The winning recipes will be printed in the next issue; and the folks who sent them in will receive two vouchers for tickets to a Florida Orchestra performance of their choice.

So get out your cookbooks and find that never-fail Sunday Bruch recipe. Send it in today… We will begin our selection by the 15th of the month and start cooking!

Pick up the October issue to see if you’re one of the two winners. Bon appetite! ©bigstockphoto.com

For October, It’s Breakfast!

Tune in to AM 1250 WHNZ...

Tuesday & Thursday, 11am to Noon

Send your recipe to: Senior Gourmet, PO Box 270 Lutz, FL 33559 Fine Print: Recipe’s 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.

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Ten Things to Keep in Mind When Renting a Home or Apartment Rent vs. own? More Americans are wrestling with that question as the economy continues its slow recovery.

Even though homes are selling at record lows, many Americans are choosing to rent instead, maintaining their mobility and financial flexibility until the economy, as well as their job prospects, improve.

More than 38 million people currently rent their primary residence, which represents about one-third of total U.S. residences, according to the U.S. Census Bureau. With the recent downturn in the economy and the spike in foreclosures, the demand for apartments and homes to rent has grown steadily in many parts of the country.

For those new to renting or those who haven’t rented a place to live since college or their early 20s, it’s important to understand your legal rights, according to the legal experts at FindLaw.com, a leading online source of information.

Every renter should become familiar with these 10 tips from FindLaw.com: • Know your rights. It is illegal for a landlord to refuse your rental application for discriminatory reasons such as race, sex, color, religion, class, etc. If your application to rent an apartment is rejected, you have a right to know why. Landlords cannot say an apartment is unavailable if it isn’t or use a different set of rules for assessing different applicants.

• Background checks. Landlords want responsible, trouble-free tenants.

To aid them in selecting a renter, they can use background checks and credit reports to learn about a prospective tenant’s credit worthiness and potential criminal record. If you’re dealing with these issues, it’s often a good policy to be upfront with the landlord about any problems that may be revealed during a background check to gain the trust of the landlord.

• What should be included in the lease or rental agreement? A lease can be wordy, but make sure that it has these important aspects: length of tenancy (month-to-month, one year or another period of time), amount of rent and deposits the tenant must pay, the number of people who can live on the rental property, who pays for utilities, whether the tenant may have pets, whether the tenant may sublet the property, and the landlord’s access to the rental property.

• Keep a written copy. While most states honor a verbal agreement, they are more likely to cause a dispute. Findlaw.com recommends getting your lease agreement in writing and using it as a reference for any complications that happen during your time as a tenant. If a landlord offers any additional benefits for renting, make sure those are spelled out in the rental agreement.

• Call the landlord with a maintenance problem. Usually the landlord is responsible for all maintenance issues. Document the problem by writing down the date it started and taking pictures if necessary. In some agreements, landlords need to respond to the maintenance issue, so refer to your lease for specifics. If they don’t respond, typical options include withholding a portion of rent until the problem is fixed, paying for the repair yourself and deducting the amount from your rent, or abandoning the property altogether without liability.

• Noisy neighbor. One of the biggest hassles of renting is dealing with a noisy neighbor. If your neighbor is disturbing you, notify your landlord. In most leases, tenants agree to be respectful of those around them. It’s also a good idea to use your landlord as a third-party enforcer to preserve the relationship between you and your noisy neighbor.

• Safety first. In many states, landlords must provide minimum safety equipment such as peepholes, deadbolts, window locks and safety glass. If your landlord promises certain safety features, make sure he or she follows through on those promises. Ask other neighbors about the security and safety of the area before renting an apartment.

• Get renter’s insurance. Renter’s insurance is relatively cheap and will protect you where your landlord’s insurance won’t. If you suffer losses due to theft or damage or are sued by someone who alleges they were injured in your rental because of your negligence, renter’s insurance can cover you and save you from a large financial loss.

• Preserve your security deposit. Security deposits are one of the most disputed items between landlord and tenants, so make sure that your lease clearly spells out the exact manner in which your deposit will be used or withheld. When you first move in, do an extensive walk-through to record existing damage and keep a copy of whatever report you give to the landlord.

• Handling an eviction. It’s hard to decide how to handle an eviction. If you can prove that the landlord was wrong, then it may be worth it to fight against the eviction notice and protect your rights as a tenant. Sometimes, it’s not worth the fight even if you win. Remember that in some cases you will still have to continue to deal with the same landlord. Also remember if you lose a lawsuit, you’ll be evicted and have to pay a hefty fine.

To learn more about tenants rights, go to FindLaw.com.

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Page 4

Senior Voice America

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September 2011

Health Roundup

Be Smart About Sensitive Skin Your skin makes up about 15 percent of your body weight, so having sensitive skin is no small matter.

The exact definition of sensitive skin can be elusive, as a number of factors can often be the cause of skin irritation or fluctuation, including weather, genetics and beauty and household products.

If you are one of the millions of Americans who claim to suffer from sensitive skin, know the facts and appropriate products to keep your skin comfortable, healthy and glowing.

Allergy vs. Irritant Just because your skin reacts to something, it doesn’t necessarily mean you’re allergic to that substance. It’s important to know the difference between an allergen and an irritant: • If you’re allergic to something, your immune system makes antibodies to fight what you’re allergic to and that is what causes the allergic reaction. In order to be certain of an allergy, speak to your doctor and try a patch test first to gauge your skin’s reaction.

• Irritants are typically ingredients that cause a reaction on your skin after contact, but do not cause your immune system to react. Skin responses include stinging, burning, itching, redness or tightness.

Skin-Friendly Solutions Because skin sensitivities vary so much, there aren’t any specific guidelines to follow, but you can look for cosmetics, soaps, cleaning and laundry products that are gentle on your skin.

Try to find options that contain few ingredients and have a skin-friendly

Keep up with the kids this summer.

scent or no fragrance at all. Look for products that are hypoallergenic as they may be less likely to cause a skin reaction.

Two of the biggest culprits that can bother sensitive skin are makeup and clothing, since they are in such close contact to skin on a daily basis.

With your makeup routine, try using blushes, bronzers and foundations that are liquid-based. Ingredients found in makeup that is brushed on, in addition to the act of rough brushing, can often irritate skin. Before applying makeup, remember the importance of using a daily SPF moisturizer. There are several options formulated specifically for sensitive skin.

Since clothing is constantly touching your skin, choose fabrics and laundry products carefully. Soft and natural fabrics, such as fine cotton and silk, feel best on sensitive skin. Cotton and silk both are absorbent, drawing body moisture away from the skin. selecting laundry detergents, many people who claim to have sensitive skin choose a fragrance free version, but that doesn’t have to be the only option. New Arm & Hammer Sensitive Skin Plus SkinFriendly Fresh Scent Laundry Detergent is hypoallergenic and has been clinically tested so you can enjoy clean, fresh smelling clothes. Learn more at www.armandhammer.com.

Taking care of the skin you’re in is important, since our skin helps protect the rest of our body and its functions.

Choose products wisely and when in doubt, be sure to see a dermatologist for successful diagnosis of skin conditions. ©bigstockphoto.com

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Senior Voice America

CANCER ANSWERS

Screening Helps Stop Colorectal Cancer Before It Starts Q: Is colonoscopy the best method to screen for colorectal cancer?

A: Colonoscopy is considered the “gold standard” for colorectal cancer screening. Not all colonoscopies are the same, however. A study published in the New England Journal of Medicine in 2006 found wide variations in the ability of experienced gastroenterologists in detecting colon polyps. A key distinction is the amount of time spent viewing the inside of the colon during the withdrawal of the scope – six minutes or more produced the best results.

Some of the ways a patient can understand the skill and thoroughness of the person performing the colonoscopy is to note how many the doctor has done – at least several hundred – and the doctor’s polyp detection rate – at least 15 percent of women and 25 percent of men age 50 or older. A colonoscopy should take a half an hour or more.

Moffitt Cancer Center’s team of five endoscopic oncologists has advanced skills and performs many techniques for the diagnosis and management of cancer. People are sometimes surprised to learn that they can have their screening colonoscopy performed at Moffitt. In fact, 1,481 colonoscopies were performed at Moffitt last fiscal year.

Patients can refer themselves for this screening or come to Moffitt at the recommendation of their doctor. To schedule an appointment, call (813) 745-3980 or (888) 860-2778, Monday through Friday from 8 a.m. to 5 p.m.

Q: What should a patient expect during a colonoscopy?

A: Few people feel comfortable discussing their bowel habits, just as colorectal cancer is certainly not a disease people want to talk about. Sometimes people don’t want to undergo the bowel prep or they feel that the idea of putting a scope into the colon is invasive or that it might hurt. But the reality is with sedation there is no discomfort and most people are completely unaware during the entire procedure.

There are several options for colorectal screening, but most physicians consider colonoscopy to be the gold standard. It’s the most effective way to view the entire colon, and because polyps can be removed during the same procedure, it offers both detection and prevention.

During the test, patients lie on their left side on a table as the physician inserts a thin, flexible lighted scope through the rectum and into the large intestine. A tiny camera mounted on the end of the scope allows the physician to peer inside the colon to identify areas of concern. Flat lesions or polyps that are found will be surgically removed and sent to the lab for further analysis.

The entire procedure lasts approximately 30-60 minutes. After a short stay in a recovery area patients are free to leave, but they must have someone drive them home because of the sedation.

Q: Why is a “bowel prep” so important before a colonoscopy?

A: Preparing the bowel for a colonoscopy by cleaning out stool and liquid is a critical part of the screening exam. It’s also the part most people dread. But the accuracy of the screening test is directly related to the quality of colon cleansing. Flushing out solid waste is essential.

The better the prep and the cleaner the bowel, the easier it is to identify polyps, especially the flat lesions that are harder to detect. There is about a six to ten percent miss-rate, meaning that sometimes polyps are not seen during a colonoscopy. A clean bowel will reduce that risk.

The No. 1 cause of missing a polyp or a cancerous lesion is stool getting in the way of the physician being able to see areas of concern. Additionally, if the prep is not adequate, the patient will have to come back a second time.

Which type of laxative to take for the bowel prep is usually a matter of physician preference. The newest recommendation, however, calls for a “splitdosage” schedule.

Rather than taking the entire laxative preparation the evening before the colonoscopy, the split-dose regimen has patients drink half the liquid the night before, and the remaining dose the next morning, four to five hours before the screening. Although it might be inconvenient to wake early to complete the prep, studies show the results of the split-dosage schedule are superior.

For more information, you may contact Moffitt Cancer Center Toll Free at (888) 860-2778 or go to www.Moffittcancercenter.org

September 2011

Health Roundup

Keeping Your Brain Fit If you find yourself wondering where you left your glasses — again — or struggling to recall a name or a word you’ve used a million times, you’re not alone. Many people over 40 get frustrated by the occasional “senior moment.” But if you’re worried that your lapses are destined to be a permanent part of old age, take heart. It’s never too late to improve brain function.

The Aging Brain Cognition includes the ability to learn new things, judgment, intuition, language and remembering. As people age, three basic trends begin to affect cognition and over time they have a noticeable impact on memory, thinking and focus: • Speed: The brain gradually slows down—but the speed of information coming in from the senses doesn’t.

Over time, the brain begins to miss details, making it more difficult to react to and remember what was seen or heard.

• Accuracy: Like the grooves of an old record, the brain’s neural pathways often get fuzzier, scratchier, or even distorted. When the brain records the static along with the important sensory information, memories are fuzzier and more difficult to process.

• Recording: The brain uses chemicals called neuromodulators to determine what information is important to record and process. With each passing decade, the brain produces fewer neuromodulators. This hinders the ability to record new information — in other words, to learn and remember.

“At first, people don’t notice problems because they automatically use context to fill in what they missed,” said Michael Merzenich, co-founder and Chief Scientific Officer of Posit Science. “Although this helps in the immediate situation, it doesn’t improve the quality of the memory. As the years pass, the gaps can become too big for context to fill in. When this occurs, it can be hard to catch and respond to the information even at the moment.”

Brain Fitness The good news is that physical brain change occurs every time something new is learned. This continuous physi-

©bigstockphoto.com

cal, chemical and functional process is called brain plasticity. And it can be strengthened, even in an aging brain.

“We need to use and develop our brain’s machinery through learning,” said Merzenich. “This doesn’t mean just academic learning. It means practicing targeted activities that engage the senses and our memories and that involve the production of refined movements. By applying these types of activities, it’s possible to maintain — and possibly restore — cognitive abilities.”

Here are some simple exercises you can do to keep your brain fit.

• Take a guided tour of a museum or another site of interest. Pay careful attention to what the guide says. When you get home, reconstruct the tour by writing an outline that includes everything you remember. Memory activities that engage all levels of brain operation, such as receiving, remembering and thinking, help to improve the function of the brain.

• Choose a song with lyrics you enjoy but don’t have memorized. Listen to the song as many times as necessary to write down all the lyrics. Then learn to sing along. Once you’ve mastered one song, move on to another. Developing better habits of careful listening will help you in your understanding, thinking and remembering. Reconstructing the song requires close, intentional focus and an active memory.

In addition to exercises like these, you can take advantage of brain training software, such as the brain fitness programs offered by Posit Science.

These scientifically tested programs target the brain’s ability to absorb information from all the senses.

“Using a program in which you practice remembering a grocery list may help you get better at remembering grocery lists,” said Merzenich. “But when you exercise the roots of memory, you’ll likely find that not only can you remember grocery lists better, you can also remember conversations, tasks and even that word that is just on the tip of your tongue.”

To get more tips and test your own brain fitness, visit www.positscience. com.

September 2011

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Health Roundup

A New Perspective on

Thinning Hair

and How to Treat It

We Love Our Seniors!

You built this country. You fought our wars. You served us! Dr. Forman is happy to serve you!

YES, we are accepting new Medicare patients. We also accept Wellcare, Freedom, AARP, Secure Horizons and more! No referral needed in Florida.

©bigstockphoto.com

Is noticeable hair shedding or limper-looking style causing you to worry?

As many as three out of four people in the U.S. experience thinning hair, yet few can actually define it.

It is a common misconception that thinning hair refers to balding, however, it speaks to simple hair shedding, breakage and decreased fullness, regardless of gender. Diet, stress, daily over-styling, constant chemical treatments and genetics can all cause your hair to thin, but there are simple ways to amp up your hair volume and make the most of the hair you have.

As hair thinning is one of the largest and fastest growing categories in the beauty industry, education is key.

To bring better awareness to the topic, Nioxin, the No. 1 stylist choice for thinning hair, brought together an interdisciplinary panel of experts for information on how to control the issue. Leading dermatologist Dr. Valerie Callender and Nioxin Stylist Design Team member Danielle Caputo share their expert tips to keep your crowning glory in full effect: • Gain awareness: If you start noticing hair on your bathroom tile or in your shower, don’t worry — it’s perfectly normal to lose up to 100 hairs a day.

But if you feel like you’re losing more, it’s important to acknowledge the issue. Take note of how much you’re losing and pay attention to your daily routine as you think about the potential causes. “You are not alone,” says Callender. “Seek information and talk to family and friends about the changes you’re experiencing. Chances are

someone you know may be experiencing the same thing.”

• Consult a dermatologist: Talk to your dermatologist to get to the root of the problem. Whether it’s an unhealthy scalp environment, or a skin disorder, diagnosis is the first step toward treatment.

“Don’t be afraid to seek a doctor’s opinion, no matter how slight or extreme the situation may be,” Callender says. “The solution may be as simple as changing your diet or hair care routine.”

• Visit your stylist or salon: Stylists are around hair all day and can help advise on what products to use or how to cut and style your hair for a healthier, thicker appearance. “There are a number of easy, quick fixes to pump up your volume, but if your hair is thinning it’s best to treat it from the source,” Caputo notes. “Nioxin Hair and Scalp Systems provide a customized approach to hair thinning. The three-part systems include a cleanser, scalp therapy and scalp treatment designed to deliver thicker, fuller-looking hair and it’s backed up with a 30-day guarantee.”

• Love the hair you have: Work what you’ve got. Don’t let thinning hair affect your self-confidence and don’t let it stress you out, which could exacerbate the problem. Use hair care products that bestow fuller, thicker, more voluminous hair and shine-enhancing stylers to make your tresses glisten.

Experiment with different hairstyles and most of all, wear your hair with pride.

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Senior Voice America

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September 2011

Health Roundup

Do Men Take Better Care of Their Cars or Themselves? ©bigstockphoto.com

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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.

It’s no secret that guys love their cars, but are they DEB GOLDMAN GOLDMAN more likely to always change the TODD oil on time than to EUROPATHY visit the doctor for their annual checkup? deb@ggpubs.com todd@ggpubs.com OTHER FOOT PROBLEMS? Almost percent of men find it easier to care for Fax: (813)70433-5181 Fax: (813) 433-5181 their cars than for their personal health, according Ph: (813) 949-0006 Ph: (813) 949-0006, Ext. 222 YES, YOU CAN FEEL to findings from a new survey of 501 men ages 45 to MARY RIKKERS MATT WISEMAN GREAT ABOUT YOUR 65 commissioned by Men’s Health Network and Abmatt@hotpotato.us bott.mary@ggpubs.com In addition, more than 40 percent reported they FEET AGAIN! WE HAVE Fax: (813) 433-5181 Fax: (727) 322-6044 would be more likely to address issues with their car YOUR TREATMENT PLAN Ph: (727) 430-5022 Ph: (727) 322-6099 than their health.

EXPANDED HOURS Men may bring their cars in for service when an NEW FOR 2011 DR. BONNIE SANCHEZ issue arises and schedule regular tune ups to ensure that things are running smoothly, but they might not address their health in the same way. As a result, some men may be ignoring the symptoms of certain health conditions because they are reluctant to visit DIABETIC FOOTCARE & SHOES the doctor, the survey found. If men treated their bodUGLY/PAINFUL TOENAILS ies the way they treat their cars, they would schedule PLANTAR FASCITIS regular doctor’s appointments in the same way that Medicare, United, they schedule regular tune ups.

Cigna, Citrus and TENDON STRAIN Other Insurances The survey is part of “T-Talk Tune-Up,” a new naHAMMERTOES tional campaign to raise awareness of men’s health NEUROPATHY issues. Racing champion Terry Labonte and national Call to see the Doctor men’s health expert Dr. Harry Fisch have teamed up HEEL SPURS (727) 824-5100 or to lead the campaign and encourage men to schedule BUNIONS annual checkups with their doctors.

(813) 645-1993 ORTHOTICS “For many men, tuning up our cars is easier than getting checkups for our health,” says Labonte. “With Why suffer any longer? Come see us, the help of my wife, Kim, I began to think about my your gentle touch Doctor of Podiatry. body and my health in the same way I think about

N

&

the care of my cars. As a result, I scheduled a doctor’s appointment and a series of tests to help stay on top of my health.”

Dr. Fisch recommends five health tests every man should discuss with his doctor, including a testicular exam, prostate exam, cholesterol test, testosterone test and blood pressure screening. “It is important to schedule annual checkups because some men may not recognize the symptoms of many treatable conditions such as low testosterone,” says Fisch, board certified urologist and clinical professor of medicine at New York Presbyterian Hospital/Weill Cornell Medical College and director of the Male Reproductive Center.

Millions of American men are estimated to have low testosterone, but it may be overlooked because the symptoms are subtle and similar to those caused by other conditions. Men may experience symptoms such as sexual dysfunction, decreased sexual desire, decreased muscle mass, loss of body hair, low sperm count, decreased bone mineral density or increased body fat as a result of having low testosterone.

To learn more about the importance of men’s health visit www.TTalkTuneUp.com. The site provides men with tips for caring for their cars and their bodies, including a free health maintenance guide. The guide includes information on important tests guys should know about and tips to help keep their bodies running as smoothly as their cars.

September 2011

Senior Voice America

Page 9

Providing Total Eye Care Solutions St. Michael’s Eye and Laser is the only center in North Florida to be honored as an Alcon Center of Excellence. Dr. Michaelos was one of the first ten physicians in Florida to implant the Muti-Focal lens, known as ReStor, making him one of the most experienced in the area.

Cataracts • Glaucoma • Diabetic Screening • LASIK Surgery Eyelid Surgery • Premium Lens Implant • Aesthetic Services

John Louis Michaelos, M.D.

Dr. Melinda Gruszka, O.D.

(727) 585-2200 1018 W Bay Drive • Largo, FL 33770

Info@stmichaels.net • www.stmichaelseye.com Introducing the

Senior Voice AMERICA

Inaugural Senior Cruise • January 29—February 5, 2012

The first 5 bookings will receive 2 tickets to the Tampa Bay Rays

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

FL ST 35829

Exclusive Agent—Your Independent Cruise & Vacation Specialist Judi Gordan • Seminole, FL • (727) 397-1900 • jgordan@CruiseOne.com www.cruiseone.com/jgordan

ENJOY GREAT TIMES, BUILD GREAT FRIENDSHIPS, AND HAVE EVERLASTING MEMORIES!

Page 10

Senior Voice America

September 2011

Living Green

Put Old Cellphones to Good Use

With When you get a new cellphone or wireless device, what happens to the old one? Instead of letting it clutter up drawer space, put it to good use by recycling it.

In a survey conducted by MyWireless.org in March 2011, more than 84 percent of people indicated they were aware that their cellphones or wireless devices were recyclable. More than 68 percent were aware that their wireless accessories were recyclable. But only about 54 percent of them had donated or recycled an old device or accessory.

According to the Environmental Protection Agency, recycling one million cellphones saves enough energy to power more than 185 U.S. households with electricity for a year. Here’s what else recycling wireless devices can do: • Recycling helps the environment by saving energy and keeping usable materials out of landfills.

• Cellphones and other devices are made of precious metals, copper and plastics — all of which require energy to mine and manufacture. Recycling conserves the precious metals that make up these devices, so that they can be turned into new products.

• Metals recovered in the recycling process — such as gold, silver, platinum, palladium, copper, tin and zinc — are used by industries such as automotive, electronics, jewelry and plating.

• The plastics recovered get recycled into plastic components for new electronic devices or other plastic products, including as garden furniture, license

plate frames, non-food containers and replacement automotive parts.

• Rechargeable batteries can be recycled into other rechargeable battery products.

The U.S. wireless industry recognizes its role to help preserve the planet, which is why many members of CTIA — The Wireless Association have developed or supported numerous programs promoting the recycling of cellphones and other wireless devices.

Before you recycle your device, erase your personal information. Here are some tips from CTIA: • Preserve the contacts, photos, texts or other data you want to keep.

• Terminate your device’s wireless service by contacting your provider.

• Use device-specific instructions to clear the device’s memory of stored information.

• Remove the SIM card (found in some GSM or 4G devices). If you’re unsure if your device has one, contact your provider for more information.

There are a variety of recycling options, from carrier- and manufacturersponsored initiatives to third party organizations, such as drop-off or mail back programs, websites and charity drives. If you’re not sure where to recycle your wireless devices, all of CTIA’s carrier members will accept any device or accessory at their stores, regardless of which carrier provided your service.

For a full listing of recycling programs and to learn more about CTIA’s green initiatives, visit www.Gowirelessgogreen.org.

Where Your Family Comes First!

Dr. Jeffrey A. Prosser M.D. P.A. Board Certified Family Physician

Louann Prosser H.H.P.R.N.

Holistic Physician, Nutritional Specialist

Integrated IV Therapy • Fibromyalgia • Diabetes • Asthma • Migranes • Arthritis • Menapause • Auto Immune • Depression • Vision

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TARPON & CLEARWATER (727) 939-4191

September 2011

Senior Voice America

MARKETS, Continued from Page 1. produce, assorted cheeses, bakery products, plants and flowers and seafood.

8 a.m. to 1 p.m. (727) 461-7674.

Saturdays Ybor City Saturday Market 1800 E Eighth Ave. This market features produce, gourmet foods and sauces, fresh baked breads, fresh eggs, prepared foods, plants, pet treats, arts and crafts, jewelry and bath and body products. www.ybormarket.com (813) 241-2442.

Sundays Corey Fresh Market 155 Corey Ave. • St. Pete Beach

Tuesdays Gulfport Fresh Market 2914 Beach Blvd. S • Gulfport Fresh fruits, vegetables and seafood in a festive environment with local art vendors. www.gulfportflorida.us/tuesdaymorning-fresh-market (727) 667-7531.

Thursdays to Sundays Seminole Mall 11201 Park Blvd. • Seminole A market with fresh produce, prepared foods, multi-cultural and specialty food, greenery, arts/crafts, music.

(727) 776-7261.

Saturdays

Thursdays

Downtown Bradenton Farmers Market Old Main Street (12th Street West)

Largo’s Downtown Market 301 West Bay Drive • Largo

Enjoy the quaint, tree-lined street market offering fresh food and produce, plants, live music, arts & crafts, jewelry, demonstrations and events.

9 a.m. to 2 p.m. www.bradentonfarmersmarket. (941) 744-7484.

Outdoor shopping, healthy choices of fresh produce for your body, specialty foods and delectable sweets for your taste buds; green themed goods for our environment; and original creations by local artists and craftsman.

(727) 587-6740.

Fresh produce, seafood and other vendors. www.palmharborcrossroadsfarmersmarket.org (727) 784-9690.

Sundays Fishhawk Ranch Farmers Market 16144 Churchview Dr • Lithia

travel far for

NatIoNallY reCogNIzed CaNCer Care

John Wilson Park 401 Main St. • Safety Harbor Produce, flowers, foods, arts and crafts, eco-friendly products and much more. (727) 724-1572.

Cross Roads Market Location Palm Harbor

You doN’t Need to

Thursdays

More than 35 vendors selling produce, plants/flowers, arts/crafts, prepared foods, live music. www.coreyave.com (727) 367-3818.

Sundays

Page 11

Thursdays Longleaf Farmers Market 3104 Town Avenue • New Port Richey This is an open air market located in the heart of downtown Longleaf, a traditional neighborhood in New Port Richey. The organizers are committed to providing a weekly food focused, community event. (727) 375-1956.

NoW oPeN

Fridays

First Sunday of every month. 8:30 a.m. to 1:30 p.m. Fresh seafood, vegetables, fruits, cheeses, breads, baked goods, nuts, trail mix, granola, jams, jellies, teas, coffees, herbs, honey, flowers, plants, spices, sauces, pet treats, clothing and more. (813) 654-6360.

Belleair’s Market on the Mall Corner of Indian Rocks Road and Gardenia Road • Belleair October through the end of May. Second and fourth Friday of each month from 9 a.m. to 2 p.m. www.belleairrec.com (727) 518-3728.

Sundays

Fridays

Sweetwater Organic Farm 6942 West Comanche Ave. • Tampa

Lykes Gaslight Park 410 Franklin St. • Tampa

Shop for organically friendly foods at this family and dog friendly market with live music (1-3 p.m.), open mic sessions (noon-1 p.m. and 3-4 p.m.) and tips on how to eat healthier. www.sweetwater-organic.org (813) 887-4066.

Fresh produce and lunchtime fare in downtown Tampa. More than 50 vendors offering crafts, fresh local vegetables and fruits. Ready to eat foods or foods to take home to prepare later. www.tampadowntownmarket.com (813) 649-8747.

Sundays

Fridays

Tarpon Springs Sunday Market Corner of Tarpon Avenue and Alt. 19

Pioneer Park Main Street and Douglas Ave • Dunedin

Live music and fresh produce, including prepared foods, gourmet baked goods, greenery, seafood and handcrafted goods. 9 a.m. (727) 938-0078.

Fresh produce, plants and herbs, cheeses, seafood, meat pies, pet treats, organic products and more.

(727) 733-4215.

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Page 12

Senior Voice America

September 2011

Senior Happenings

Sept. 7 Learn to Speak Italian CDB’s Southside Conversation and cuisine at this Italian four- or six-week series, with dinner at each class. Four week series Wednesdays through Sept. 28, six week series through Oct. 12.

CDB’s Southside is located at 3671 S West Shore Blvd., Tampa. For more information, visit www.learnitalian.us/ or call (813) 805-2327.

Sept. 7 Dementia Education and Cooking Demonstration Arden Courts Dr. Kimberly Bender will discuss what kinds of foods are considered “brain healthy,” what effects “brain healthy” foods have on the body and how to incorporate those foods into your diet. Call to RSVP. Arden Courts is located at 300 Highland Avenue, Largo. 6 p.m. For more information, call (727) 559-8411.

Sept. 8 Become a Master Gardener Hernando County Cooperative Extension Service Training to become a Master Gardener begins October for 12 weeks, find out more at this mandatory “get acquainted’’ course. Get acquainted meeting free, Master Gardener course is $140, or $160 per couple.

Hernando County Cooperative Extension Service is located at 1653 Blaise Drive, Brooksville. For more information, visit www.co.hernando.fl.us/county_extension/ or call (352) 754-4433.

Sept. 8 Home Canning Classes Plant City Planteen Recreation Center Learn how to can jam, pickles and vegetables with your friends or family.

Plant City Planteen Recreation Center is located at 301 Dort St. 5 p.m. For more information, visit canveggiesplantcity090811.eventbrite.com or call (813) 659-4256.

Sept. 8 Beer No. 101: Get Your Suds On Total Wine & More Go to the head of the class as you learn everything about beer.

Total Wine & More is located at 4880

Park St. N, St. Petersburg. For more information, call (727) 544-6018.

www.cafelargorestaurant.com or call (727) 596-6282.

Sept. 8

Sept. 16

Nature’s Food Patch Nature’s Food Patch

Creative Cooking Show Largo Community Center

Learn what you can do to identify, understand and restore your natural hormone balance.

Nature’s Food Patch is located at 1225 Cleveland St., Clearwater. 6:30 p.m. For more information, visit www.naturesfoodpatch.com or call (727) 443-6703.

Enjoy a lovely lunch created by chefs as you are entertained and taught how to make scrumptious meals.

Largo Community Center is located at 400 Alt Keene Road, Largo. 6 p.m.

For more information, visit www.largocommunitycenter.com or call (727) 5183131.

Sept. 9 Luxury Guacamole Bar Foodies Chef Dawn has been anxious to present this class since she saw Rick Bayless create a guacamole bar in Chicago.

This one will include Roasted Garlic Guacamole, Crab Jicama Salpicon, Salsa Mexicana and Orange Tomatillo Salsa. Ay Caramba!

Foodies is located at 2312 Fourth St. N, St. Petersburg. 6:30 p.m. For more information, visit www.foodies.net or call (727) 209-1418.

Sept. 10 Downtown Artwalk St. Petersburg St. Petersburg Downtown Arts Association gallery tour. Guest artists, gallery openings and special art related events. Participating galleries offer extended hours.

For information, Call (727) 323-2787 or visit www.stpetearts.org.

Sept. 10 A Night in the Islands 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 more information, visit www.spongedocks.net or call (727) 942-5605.

Sept. 10 Mole Patrol Skin Screening Al Lopez Park Free skin cancer evaluations.

Al Lopez Park is located at 4810 N Himes Ave., Tampa. 10 a.m. For more information, call (813) 745-2625.

Sept. 12 French Cuisine Cafe Largo Expand your international cuisine repertoire in class that makes classic French dishes.

Cafe Largo is located at 12551 Indian Rocks Road. For more information, visit

Sept. 17 Pass-A-Grille Art Mart Paradise Grille Shop through fine art and handmade crafts by local artists.

Paradise Grille is located at 900 Gulf Way, St Pete Beach. 9 a.m. For more information, visit www.theparadisegrille. com or call (727) 367-3818.

Sept. 17 Art Family Day Polk Museum of Art A new exhibit, The Hungry Planet: What the World Eats, provides the theme for this Family Day event. Families will have the opportunity to explore cultural diversity around the world through fun activities, art projects and entertainment. Entertainment will include magician Luis Campaneria, storyteller Rick Olivo, Steve Knight, his puppets and mini circus.

Polk Museum of Art is located at 800 E Palmetto St., Lakeland. 11 a.m. For more information, visit www.polkmuseumofart.org or call (863) 688-7743.

Sept. 17 Dunedin Beer Festival Our Lady of Lourdes Church The Dunedin House of Beer hosts this dog friendly festival in which beer lovers can enjoy more than 70 drafts, dozens of bottle varieties, barbecue, live music and a family area with bounce houses for kids. Benefits Dunedin Doggie Rescue.

Our Lady of Lourdes Church is located at 750 San Salvador Drive, Dunedin.

5 p.m. For more information, call (727) 902-1671.

Sept. 17 Canoe Lake Maggiore Boyd Hill Nature Preserve Explore Boyd Hill Nature Preserve from a different perspective. Study the shoreline as you follow guides on a paddle from Lake Maggiore Park (MLK and 37th-40th Ave. S) to Dell Holmes Park and back. Ages 8 and older only. Preregistration and pre-payment required. $10 per person, $20 per canoe (limit 3 per canoe).

Boyd Hill Nature Preserve is located

at 1101 Country Club Way S, St. Petersburg. For more information, visit www. stpete.org/boyd/ or call (727) 8937326.

Sept. 20 Night Hike Boyd Hill Nature Preserve Get a close look at some of the creepy crawlies that come out after dusk or just gaze at the stars as the park comes alive after dark. $3, $1.50 children, reservations required.

Boyd Hill Nature Preserve is located at 1101 Country Club Way S, St. Petersburg. 7:30 p.m. For more information, visit www.stpete.org/boyd/ or call (727) 893-7326.

Sept. 24 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. 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.

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.

Sept. 24 Free Museum Day Dali Museum (and Others) Most of the museums and shops in downtown St. Petersburg are offering deals to celebrate museum day. In addition to the Dali Museum, other museums offering free admission include: the Florida Holocaust Museum, Museum of Fine Arts, St. Petersburg Museum of History and the Ringling Museum of Arts in Sarasota.

Dali Museum is located at One Dali Blvd, St. Petersburg. For more information, visit www.smithsonianmag.com/museumday/venues/ or call (727) 823-3767.

Sept. 24 Circus Museum Expansion Ringling Museum of Art An expansion to the Circus Museum’s Tibbals Learning Center will contain exhibits that celebrate circus performers and areas where visitors of all ages can experience the magic of the center ring. Opening on Smithsonian National Museum Day, admission to the museum is free.

Ringling Museum of Art is located at 5401 Bay Shore Road, Sarasota. For more information, visit www.ringling. org or call (941) 351-1660.

Sept. 24 Rain Barrel Workshop Centennial Park

September 2011

Senior Voice America

Page 13

Senior Happenings Learn how to make a rain barrel at workshops at Ybor City Saturday Market on last Saturday of each month, offered at two times: 10 a.m or 11:30 a.m., with option to purchase blue ($30) or a terra cotta color ($50) rain barrel. Register by emailing ybormarket@yahoo. com, with ‘’rain barrel’’ in subject line, name and time chosen.

Centennial Park is located at 1800 E Eighth Ave., Ybor City. 11:30 a.m. For more information, call (813) 241-2442.

Sept. 24 Cooking for Healthy Foodies Nature’s Food Patch LindaJoy Rose teaches how to make healthy and elegant teriyaki maple salmon and soba noodles.

Nature’s Food Patch is located at 1225 Cleveland St., Clearwater. 3 p.m. For more information, visit www.naturesfoodpatch.com or call (727) 443-6703.

Sept. 24 Tangerine Blues Fest Tangerine Greenway The fourth annual event features live blues music by area bands including Albert Castiglia, The Legendary JCs, Shar Baby and the Steve Arvey Band. Also, there will be arts, crafts, food and drink vendors and a children’s fun area. Proceeds from concessions benefit All Children’s Hospital.

Tangerine Greenway is located at 5022 Tangerine Ave. S, Gulfport. 4 p.m.

For more information, visit www.tangerinebluesfest.com or call (727) 515-4941.

Sept. 25 Tampa Stamp and Coin Expo Holiday Inn Express Stamps, picture postcards, stamp covers, coins, currency from across the globe will be shown and sold. Free starter stamps for junior collectors. Appraisals also available.

Holiday Inn Express is located at 4732 N Dale Mabry, Tampa. For more information, visit www.floridastampdealers. org or call (727) 364-6897.

Sept. 27 Rubber Stamp Making Workshop Studio@620 Local artist and printmaker Coralette Damme hosts this hands-on class, in which participants will learn to make rubber stamps.

Studio@620 is located at 620 First Ave. S, St. Petersburg. 6:30 p.m. For more information, visit studio620.org or call (727) 895-6620.

Sept. 30 Corey Sunset Celebration St. Pete Beach 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. 1 A Night in the Islands 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 more information, visit www. spongedocks.net or call (727) 942-5605.

Oct. 1-2 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.

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.

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.

Monday, Wednesday, Friday Basics Computer Classes Senior Citizens Services of Clearwater “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.

Senior Citizens Services is located at

1204 Rogers St., Clearwater. 10 a.m. For more information, call (727) 442-8104.

Thursdays Ageless Grace Exercise

Mondays and Fridays

Senior Citizens Services of Clearwater

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, QI 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.

Senior Citizens Services offers the Ageless Grace life changing, healthy lifestyle program to all North Pinellas County Area seniors. The instructor is Katherine Campbell, 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 agelessgrace.com or call (727) 442-8104.

Tuesdays

Saturdays

Breakfast Bunch Hale Senior Activity Center

Hot Yoga Highland Recreation Complex and

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 bit. ly/93Z80n or call (727) 298-3299.

Family Aquatic Center

Tuesdays Tai Chi Class Hale Senior Activity Center 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 bit. ly/93Z80n or call (727) 298-3299.

Thursdays Spanish for Travel Largo Community Center Learn the basic vocabulary, pronunciation and common phrases to make your trip more enjoyable. Four week course, $30 resident/$37.50 non-resident.

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.

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 bit.ly/93Z80n or call (727) 812-4531.

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.php?fDD=13-255 or call (727) 518-3016.

Sundays Yoga in the Park Curtis Hixon Park 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.

Swaptember Members Get in Free Lowry Park Zoo, MOSI and More Zoo Pass holders (with valid ID) to receive free admission to the Florida Aquarium and MOSI in September. In turn, members of the Florida Aquarium and MOSI receive free admission to the Zoo. Lowry Park Zoo is located at 1101 West Sligh Ave., Tampa. For more information, visit www.lowryparkzoo.com or call (813) 935-8552.

Email your Senior Happenings to happenings@seniorvoiceamerica.com. The deadline for the next issue is the 15th.

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Senior Voice America

September 2011

Entertainment Death and the Maiden

Studio@620 Through Sept. 11 Ariel Dorfman’s Death and the Maiden is set in an unnamed country that is, like the author’s native Chile, emerging from a totalitarian dictatorship. With a twisting and turning plot, the play explores the after effects of repression on hearts and souls. Gerardo Escobar, an investigator into the country’s past human rights abuses, gets a flat in the rain on his way home one fateful night. A kindly Dr. Miranda stops to aid Gerardo and drives him home. Gerardo’s wife, Paulina, herself one of the former regimes’ prisoners, overhears them speaking and is convinced that the doctor is one of the jailhouse torturers. Gerardo, caught in the middle, doesn’t know who to believe, his distraught wife or his persuasive new friend and is forced to serve as mediator between the two. This whiteknuckle thriller is a riveting intellectual and emotional tug of war.

Studio@620 is located at 620 First

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Lend Me a Tenor Stage West Community Playhouse Sept. 8-18 It is the biggest night in the history of the Cleveland Grand Opera Company. The world-famous tenor, Tito Merelli, “Il Stupendo,” is to perform his greatest role, Otello, at the 10-year anniversary gala season opener. Henry Saunders, the opera’s executive director, has high hopes that Merelli’s performance will put Cleveland on the operatic map. However, at the final dress rehearsal of Otello, Merelli is nowhere to be found! Saunders, in a panic, insists that Max Garber, Saunders’s personal assistant, take over the role anonymously in blackface. What comes next is guaranteed to make you laugh uproariously.

Stage West Community Playhouse is located at 8390 Forest Oaks Boulevard, Spring Hill. For more information, visit www.stagewest.net or call (352) 6835113.

The Guys David A. Straz Jr. Center for the Performing Arts Sept. 8-25 Less than two weeks after the September 11 attacks, New Yorkers are still in shock. One of them, an editor named Joan, receives an unexpected phone call on behalf of Nick, a fire captain who has lost most of his men in the attack. He’s looking for a writer to help him with the eulogies he must present at their memorial services. Nick and Joan spend a long afternoon together, recalling the fallen men through recounting their virtues and their foibles and fashioning the stories into memorials of words. Nick and Joan discover the possibilities of friendship in each other and their shared love for the unconquerable spirit of the city. As they make their way through the emotional landscape of grief, they draw on humor, tango, the appreciation of craft in all its forms — and the enduring bonds of common humanity.

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.

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Largo Cultural Center Sept. 9-13 This irresistible musical takes you inside the legend of King Arthur and the Knights of the Round Table. Arthur’s dream of creating a utopian kingdom is complicated by love for his new

Queen, Guenevere and friendship with his favorite knight, Lancelot. A ravishing story of passion, chivalry and betrayal that has a gorgeous score including “If Ever I Would Leave You,” “What Do the Simple Folk Do?” and, of course, “Camelot.” Winner of four Tony Awards in 1961.

Largo Cultural Center is located at 105 Central Park Drive, Largo. For more information, visit www.largoarts. com or call (727) 587-6751.

Cat’s Cradle Carrollwood Playhouse Sept. 9 to Oct. 1 At the Resident lounge of the Cresswell Arms, in a remote English Village, concerns of kidnapping and perhaps murder, which was never resolved, is almost forgotten. The original inspector returns to reopen the investigation.

However, his efforts are hindered as it becomes increasingly clear that he is facing a conspiracy of silence from the local townspeople and a past which is shrouded in mystery. The final denouement provides a completely unexpected twist to this intriguing and disturbing mystery.

Carrollwood Players is located at 4333-5 Gunn Highway, Tampa. For more information, visit www.carrollwoodplayers.org or call (813) 265-4000.

I Am a Cuban Sandwich American Stage Sept. 11 Take a journey through the physical and cultural life of Ybor City. Not the Ybor of today with its bar scene and late-night revels, but what Ybor was, before time and I-4 cut through the heart of a very special place. Richard DiPietra, a native of Tampa, has looked back and blended his true remembrances with touches of fiction to create an honest and touching look into the human experience of growing up — especially growing up in a melting pot that simmers with the smell of Spanish Bean Soup and fresh baked Cuban Bread — the kind that has a palm frond in it.

American Stage is located at 163 Third St. N, St. Petersburg. 7 p.m. For more information, visit www.americanstage.org or call (727) 823-7529.

42nd Street Francis Wilson Playhouse Sept. 15 to Oct. 2 Winner of the 1980 Tony Award for Best Musical and for the 2005 Best Revival based on the classic 1932 Warner Brothers film and featuring a score of hits by Harry Warren. This musical is truly the “Lullaby of Broadway,” featuring such hit tunes as “We’re in the Money,” “About a Quarter to Nine” and

“You’re Getting to be a Habit with Me.” Francis Wilson Playhouse is located at 302 Seminole St., Clearwater. For more information, visit franciswilsonplayhouse.org or call (727) 446-1360.

Grey Gardens freeFall Theatre Sept. 15 to Oct. 2 In 1941 Edith Ewing Bouvier Beale (“Big Edie”) and her daughter Edith Bouvier Beale (“Little Edie”) were the toast of East Hampton society. The aunt and first cousin of Jacqueline Bouvier (who would later become Jackie Kennedy) played hostess at their palatial mansion, Grey Gardens. How the two ended up living in squalor with numerous cats and raccoons in the neglected home became very public in 1971 through a series of tabloid articles and later became the subject of a documentary film by Albert and David Maysles.

This hauntingly original musical based on speculation of their heyday and the 1975 documentary will transport you to the lap of American royalty and their subsequent fall from grace. Nominated for 10 Tony Awards in 2007, this critically-acclaimed modern masterpiece of musical theatre explores the comically dark side of a mother-daughter relationship gone horribly awry. freeFall Theatre is located at 6099 Central Ave., St. Petersburg. For more information, visit www.freefalltheatre. com or call (727) 498-5205.

Spirit of Broadway Theater Benefit St. Petersburg City Theatre Sept. 18 Help the former St. Petersburg Little Theatre launch its new name, the St. Petersburg City Theatre. Reception with light refreshments begins at 2 p.m. and is followed by a musical revue theater tribute starring SPLT Personalities song and dance troupe. The $15 donation gets you entry into a drawing for door prizes.

St. Petersburg City Theatre is located at 4025 31st St. S, St. Petersburg. 2 p.m.

For more information, visit www.splt. org or call (727) 866-1973.

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 high-spirited 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 and they marry.

Upon returning from their honeymoon

September 2011

Senior Voice America

Page 15

Entertainment 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 Vagina Monologues American Stage Sept. 25 to Oct. 1 Eve Ensler’s whirlwind tour of a forbidden zone introduces a wildly divergent gathering of female voices, from that of a young girl to a Bosnian survivor of rape. Part of American Stage Company’s After Hours Series.

American Stage is located at 163 Third St. N, St. Petersburg. For more information, visit www.americanstage. org or call (727) 823-7529.

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) 823-7529.

Hamlet Redux Asolo Reperatory Theatre Oct. 6, 13 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 asolo.org or call (800) 361-8388.

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 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.

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.

strange little man who claims his car has overturned in a drift and a jurist who makes life miserable for everyone.

Into their midst comes a policeman, traveling on skis. He no sooner arrives, than the jurist is killed. With one of her famous switch finishes, Agatha Christie provides her usual superb intrigue.

Tarpon Springs Performing Arts Center is located at 324 Pine St., Tarpon Springs. 2 p.m. For more information visit www.tarponarts.org or call (727) 942-5605.

Theatre joins with the the Carrollwood Cultural Center to present its first show, Neil Simon’s classic 1961 comedy about two brothers and their evolving relationship as one brother deals with heartbreak and the other turns into a ladies’ man.

Carrollwood Cultural Center is located at 4537 Lowell Road, Tampa. For more information, visit www.carrollwoodcenter.org or call (813) 269-1310.

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Edison and Ford Exhibit

Members Get in Free Lowry Park Zoo, MOSI and More

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Zoo Pass holders (with valid ID) to receive free admission to the Florida Aquarium and MOSI in September. In turn, members of the Florida Aquarium and MOSI receive free admission to the Zoo. Lowry Park Zoo is located at 1101 West Sligh Ave., Tampa. For more information, visit www.lowryparkzoo.com or call (813) 935-8552.

Come Blow Your Horn Carrollwood Cultural Center Sept. 10-18 Newly-formed

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Community

Through Sept. 30 The exhibit presents a comparative look at “old Florida” in the time of Thomas Edison and Henry Ford (18851940s) and the contemporary Florida landscape. Discover the wild and wonderful places these two families explored during their time in Southwest Florida and see modern day comparisons.

Heritage Village is located at 11909 125th St N, Largo. For more information, visit www.pinellascounty.org/heritage/ or call (727) 582-2123.

Barefoot in the Park American Stage Through Sept. 25 Neil Simon’s Tony-winning romantic comedy set in 1964 follows two newlyweds, Corie and Paul Bratter and their adventures living in a minuscule sixth floor walk-up apartment in a Greenwich Village brownstone. Stuffed-shirt Paul is a hard-working young attorney just starting his practice, while spontaneous bride Corie is determined to create a romantic environment in one room with no heat, a hole in the skylight and oddball neighbors.

American Stage is located at 163 Third St. N, St. Petersburg. For more information, visit www.americanstage. org or call (727) 823-7529.

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Senior Voice America

September 2011

Fitness

Water: An Essential Workout Tool

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By now you’ve heard how important water is to your health, whether you’re working out or just going through your daily routine. But how much water do you really need to drink and what benefits does it provide?

More than half your body weight is water and while you’re breaking a sweat during your workout, it’s important to replace the fluids you’re losing. To figure out how much you should drink throughout the day, multiply your weight by both 1/2 ounce and 1 ounce to get the healthy range. Along with water, sports drinks and juice are the healthiest ways to stay hydrated.

“To keep your body running properly, drinking enough water is the most important thing you can do,” says Dr. Stacy Sims, exercise physiologist and sport nutritionist at Stanford University and a consultant to a pilot study commissioned by Thermos. “Additionally, according to a pilot study we conducted, by drinking cold water instead of room temperature water during a training session, you can improve both your strength and power performance.”

To make sure you’re getting the most out of your workouts this summer, Dr. Sims recommends following these three easy steps: 1) Stay hydrated throughout the day — Drinking fluids throughout the entire day, not just around your workout, is crucial. To make staying hydrated easy while on-the-go, down-

load the free iPhone application “OasisPlaces” to track locations, ratings and even photos of public water fountains across the United States.

2) Hydrate during workout sessions — Staying hydrated while you work out is essential. The longer and more intensely you exercise, the more important it is to stay hydrated. Try drinking 7 to 10 ounces or 4 to 6 gulps every 10 to 15 minutes. This can be difficult to do, but it’s a good goal to strive for. Also, weigh yourself before and after your training sessions to make sure you have not lost weight. Just a 2 percent decrease in body weight leads to a 25 percent decrease in performance.

3) Keep it cold — Cold water (40°F) has been shown to keep core temperature down and increase athletic performance. By keeping core temperature down, it can increase your strength and power, improving training results. To keep water at the recommended 40°F throughout your workouts, start with cold water from the refrigerator (or tap water with ice) and keep it cold in a hydration bottle with Thermos vacuum insulation technology, like the new stainless steel Under Armour bottles, which will keep drinks cold for up to 12 hours.

To learn more about Thermos products and the new Under Armour line, visit www.thermos.com/underarmour

September 2011

Senior Voice America

Page 17

travel scene

Nine Tips for Safe and Smart Travel Whether you intend to take the quintessential great American road trip, that once-in-a-lifetime journey to Europe, a mission trip to Latin America or Africa, or a fly-in fishing vacation to Canada, it’s important to plan ahead.

Planning what to do and what to wear is essential, of course, but what many travelers don’t realize is that traveling today is often complicated by numerous rules, regulations and laws.

To make sure your next big trip goes smoothly, take some extra time to review these tips from FindLaw.com.

• Check the law. Before you cross the border into Canada, Mexico or another country, check the laws about entering another country. For example, if you intend to travel into Canada, you may not be allowed to enter if you’re asked and you admit to a charge of driving under the influence. And even though you’re an American, you now must present a passport to re-enter the United States. If you’re roadtripping across state lines, make sure you have proof of auto insurance and auto registration in your glovebox and make sure your driver’s license is current. You may also want to clear up any old speeding or parking tickets that you may have in the state to which you are traveling, otherwise, you might find

your car impounded in the event that you’re stopped for a traffic violation.

The last thing you want to have to do is find a lawyer to handle an emergency legal matter while you’re on vacation.

• Emergency contact information. Create a list of emergency contacts, such as relatives, neighbors, doctors, dentists, pharmacy, etc., that emergency personnel can contact if you’re involved in an accident and are unable to respond on your own. Always leave a travel itinerary with your emergency contacts at home in the event that they need to contact you while you’re traveling.

• Vital documents. Make photocopies of key documents and cards (driver’s license, credit cards, health insurance card) should your wallet or purse become lost or stolen. Keep photocopies in a secure place where you can access them in case of an emergency.

• Dress the part. It’s always important to dress comfortably when you travel, but it’s also important to dress appropriately. To go through airport security more quickly, wear slip-on shoes, remove all metal objects from clothes, avoid wearing jackets and keep cell phones, pagers and other personal electronics in a bag or briefcase. Study the

culture where you are going and dress as the locals to avoid sticking out and calling attention to pickpockets and street vendors. When traveling to some local countries, wearing some types of jewelry, especially jewelry that expresses a religious faith, can cause you to become a target.

• Security screening. If you are uncomfortable with the full-body scanning process that has recently been implemented in airports across the United States, you have the right to request an alternative screening — typically an “enhanced pat down” by a Transportation Security Administration screener. If you’d like to record your experience through a security checkpoint, generally, the First Amendment allows you the right to do so. If you believe you’ve been treated unjustly and find it necessary to file a complaint against a TSA screener, the TSA has a Web form available to the public, along with organizations such as EPIC and ACLU, which collect body scanner incident reports.

• Avoid travel scams. As you’re making your travel plans, be leery of bargains that seem too good to be true — because 99 percent of the time, they are. It’s important to research a company’s background. How long has it been in business? Is the travel company affiliated with professional organizations such as the American Society of

Travel Agents? Have other consumers filed complaints about the company with the Better Business Bureau or your state’s Attorney’s General office?

Pay with a credit card so you can dispute the charges if the company does end up being fraudulent.

• Avoid these common scams.

Whether you travel near or far, there are crooks whose goal is to part you from your money and belongings. The most common is the cab driver who takes the “scenic route.” Before you hop in the cab, know what route you want to take to your destination. Tell the driver and negotiate the price of the ride. Check with your hotel concierge about what a trip to a certain location typically will cost. Always avoid panhandlers and mobs of children — more often than not they’re well-trained in the art of pickpocketing.

• Travel insurance. There are many types of travel insurance and in many cases, you may already be covered. Call your health care insurance provider to see if you’re covered in the event of a medical emergency when traveling overseas. Contact your credit card company to see what travel-related benefits and insurance they offer before you rent a car, or you experience a theft while traveling.

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September 2011

Dollars and sense Aging, Continued from Page 1. market initially lost approx. 47 percent of its value in the first 2 ½ months. The market continued its decline and lost almost 90 percent of its value. It took almost 20 years for the markets to fully recover.

Now let’s take a look at the Japanese stock market. Look at the chart and you will notice the overall drop was very close to the drop shown on the previous chart of the Dow Jones in late 1929.

After dropping significantly, there was a rise in the markets, a second drop and a long period of time where the markets remained volatile but no recovery, just as in the Great Depression. Japan’s drop first occurred in 1986 and has yet to recover.

The following is a chart of our most

recent major correction, 2007/2008 showing a decline in the Dow Jones Industrial Average of about 50 percent, the same approximate initial decline that occurred in the Great Depression and in Japan. The market would most probably have continued down like it

did in the Great Depression except for the fact that our Government quickly intervened with a stimulus program based on massive spending. Just like the Great Depression our Government officials failed to address the core issues that caused the large correction and our markets are still unstable. We have seen a rise from the bottom very similar to the rise experienced in the Great Depression which was then followed by a second drop in the markets in 1936.

With all that knowledge and lessons

©bigstockphoto.com

from past experiences it seems to me that the steps being taken now are hauntingly similar to the steps taken after the Great Depression. To illustrate my point see the Cartoon below that first appeared in 1934. See the remedy at the bottom left, “Spend, Spend, Spend.”

Did massive government spending get us out of the Great Depression? I don’t think so. What got us out of the Great Depression was the gearing up of our industrial might that was necessary because of World War II. Companies became profitable manufacturing goods that supported the war. Our markets finally started climbing and recovered from the Great Depression because people went back to work. Americans were manufacturing and supplying goods throughout the world.

I don’t believe our current situation is going to result in a second “Great Depression,” but I do believe that we may have a Japan style recovery. This appears to be the concern of the Federal Reserve as well. If this is the case we will have several challenging years in front of us before a true recovery of the markets.

What can you do? As investors we can study the past and learn form it, so that

we can build a financial plan that will help us through challenging periods like the one we are in. I believe we will see significant inflation, higher taxes and an anemic stock-market in the not too distant future. We have seen this before in the “Carter” years and in Japan right now. The answer is not running out and putting all your money in Gold or bank CDs and waiting for the current financial storm to blow over. It is taking the time to create a financial plan that protects your money for the things that are most important to you. Throughout our lives we will always have financial challenges. Learn from the past and find a financial professional that can help guide you through the ups and downs of the market and then go enjoy your retirement.

If you would like me to review your financial plan, or help you to find a local advisor in your area that can help guide you through these challenging times, please give me a call or email me through our website www. harwoodfinancialgroup.com. No one knows the future but we can certainly learn from the past.

Robert Harwood is the President of the Harwood Financial Group.

September 2011

Senior Voice America

Page 19

Dollars and sense

Regain Control of Your Finances If you’re one of the millions of Americans hit hard by the recession, it may be difficult to imagine anything good coming out of the country’s financial problems of the past few years. But experts and studies agree: Many of us are turning difficult times into an opportunity to regain control over our financial lives.

The change in how Americans think about money is becoming more apparent. When asked what they would do with an unexpected additional $500, 68 percent of those surveyed in a TD Ameritrade poll said they would invest the money, while only 19 percent said they would spend it.

“As a result of the Great Recession, people are anxious about when economic recovery might happen and many are looking to take control of their financial futures,” says Peter Sidebottom, executive vice president of product and marketing at TD Ameritrade Holding Corporation. “People are beginning to recognize the value of eliminating debt, but there is still a big need to focus on saving for retirement. It’s important to find a way to control debt while saving.”

If you’re looking to take control of your financial future, you’re not alone. With a new focus on reclaiming control of their finances, many Americans are implementing smarter financial management habits in their lives, including: • Reducing credit card debt — A study by

Experian found that consumers are opening 26 percent fewer credit cards than they did three years ago, implying they are more aware of their credit scores and the need to pay down debt. Carrying high balances on credit cards can be costly in the long-term since credit card interest rates and fees are notoriously high. Having maxed out credit cards can also negatively impact your credit score, even if you make regular payments every month.

• Increasing savings — In 2008, personal savings rates held at 4.1 percent, but over the last two quarters of 2010 it has risen to an average of 5.7 percent, according to data from the U.S. Treasury Department. Experts advise families should have enough cash saved to cover several months of living expenses.

• Looking to learn — More Americans are looking to learn about sound financial management and are seeking advice from advisors and online resources. Understanding the economy and how it impacts their finances, learning savings techniques and retirement planning tactics can help Americans feel and become more financially secure.

Many people have turned to the Internet to find advice and guidance on how to get their finances in order. With an increasing number of articles on popular finance websites, blogs by financial coach-

es and even non-traditional formats such as an online reality series, Americans are finding direction — and an understanding that they’re not alone.

“The Invested Life,” an online reality series sponsored by TD Ameritrade and co-developed by MSN, Generate and Ogilvy Entertainment, features real people facing life’s most common financial decisions and hurdles. The subjects are paired with independent financial experts who help them take control of their finances and address issues such as debt management, college savings, retirement planning, taxes, real estate and smart investing. The Invested Life comprises more than 450 videos, news stories, tools, cast blogs and community forums to help viewers learn from the experiences of the cast members. Viewers can match their personal investment styles to the cast members they most relate to.

“By watching how real people, who share common financial questions, learn to address their financial concerns and reclaim control of their finances, viewers may find the encouragement and resources to tackle their own financial hurdles,” Sidebottom says.

You can find episodes of “The Invested Life,” an introduction to online investment and financial planning tools, advice from independent financial experts and blog postings from cast members at http://TheInvestedLife.msn.com.

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Page 20

Senior Voice America

September 2011

Dollars and sense

Understanding Roth IRA Conversions

©bigstockphoto.com

Everyone looks for ways to save money, and to make their money work harder — and longer. With pensions disappearing and reductions in employer match programs, it is important for Americans to consider financial planning tools that address long-term retirement and tax situations. One such tool is the Roth IRA. A traditional IRA permits beforetax contributions which enjoy tax-deferred earnings. A Roth IRA, however, only allows after-tax contributions, but can provide income-tax-free earnings for retirement and is not subject to required distributions that apply to a traditional IRA. First introduced in 1997, changes in the tax law effective this year now make Roth

IRAs more broadly available.

“Starting this year, Americans can, for the first time, convert a regular IRA to a Roth IRA regardless of income level. For many, it is an opportunity to invest money in one of these tax-advantaged retirement savings accounts,” explains Robert Fishbein, vice president and corporate counsel for Prudential Financial. Remember that you do need to hold the Roth for five years to qualify for tax free treatment, Fishbein says; and if you need to access the funds before those five years and you are not age 59 1/2 or older, then a penalty tax may apply on amounts withdrawn.

For those considering a Roth conversion, Fishbein provides answers to some commonly asked questions.

1) Do I need to hold my Roth IRA for a long period of time for it to make sense to convert?

In most cases, no. If you think your income tax rates will be the same or higher in retirement, you do not have to hold the Roth for any period of time for the conversion to make sense. Given scheduled tax rate increases, this may be the situation for

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many retirees. If you think your income tax rates will be lower in retirement, then you may need to hold the Roth for a period of time before you make money or it pays economically to have it converted.

2) Do I have to do a complicated financial analysis to determine if a Roth conversion makes sense for me?

Only if you think rates will be lower when you take distributions from the Roth IRA. If you do think you will be paying tax at lower rates in the future, then your financial advisor can help you determine how long you will need to hold the Roth IRA for it to make sense for you to convert. The point in time when it becomes profitable for you to have it converted is sometimes referred to as the “crossover point.” In general, though, if retirement is many years away, a Roth conversion may well make sense even if you are going to pay tax at conversion at a rate higher than what you will pay in retirement at distribution.

3) My tax rates will be lower in retirement so I should not convert to a Roth IRA. This is a common belief, but many modern retirees are working and have some wage income and, with Social Security and distributions from other retirement assets, are actually in the same or a higher tax bracket.

Also, given current budget deficits and the cost of funding future Social Security and Medicare payments and the new health care legislation, tax rates may be headed up.

4) I will not be eligible for loans or financial aid for my child’s college education.

It is true that converting to a Roth may raise your income level in the year of conversion and reduce eligibility for college loans. However, unless you convert over a period of

years, this would be a one-year impact and needs to be considered as a factor in the conversion analysis. It should not be seen as a deal breaker.

5) Will it increase the tax on my Social Security benefit and increase my Medicare Part B premium?

Like the financial aid concern, the increased income from the Roth conversion could make more of your Social Security benefit subject to income tax and it could increase your Medicare Part B premium (now means tested). But these should be one year impacts and should simply be factored into the Roth conversion analysis. These should not be deal breakers.

Indeed, you may pay less tax on your Social Security benefit or less Medicare Part B premium in the future since Roth distributions are not included in the applicable calculations.

6) Paying taxes to the government early is bad tax planning.

Usually, it is bad tax planning to pay your taxes early and, in effect, make an interest free loan to the government. But the rules may be different now that tax rates could be headed up. By choosing not to pay the tax now, you may also be choosing to pay the tax later at a higher rate (remember, someone will eventually pay income tax on the IRA earnings, either you or your spouse or your children).

Now might be a great time to pay taxes at the lower rates and avoid the rate increases on the horizon. If you cannot overcome your emotional hesitancy here, then consider converting some of your IRA or over a period of years.

Of course, a financial planner is best suited to guide you with decisions regarding your own personal circumstances.

September 2011

Senior Voice America

Page 21

Entertainment

The Florida Orchestra: Great Music at Lower Ticket Prices

By Henry Adams In addition to a variety of soaring symphonies, explosive concertos, choral blockbusters and pop favorites from Broadway tunes to Frank Sinatra hits, The Florida Orchestra has lowered its ticket prices to $15, $30 and $45 for the upcoming 2011/2012 season to make concerts available to more people throughout the Tampa Bay area.

There are lots of series to choose from with concert packages ranging from as few as three concerts all the way up to 14 concerts. Series include the St. Petersburg Times Masterworks, Raymond James Pops, Progress Energy Morning Masterworks and two morning Coffee Concert series. Concertgoers can even create their own package to fit their

tastes and calendars with a Compose Your Own series for only $25 a ticket (minimum of three concerts required).

The St. Petersburg Times Masterworks series kicks off Oct. 14-16 featuring The Master Chorale of Tampa Bay and the Tampa Bay Children’s Chorus in Carl Orff’s choral extravaganza Carmina Burana.

Other beloved works scheduled are Beethoven’s soaring Violin Concerto, Mozart’s charming Piano Concerto No. 21, Rachmaninoff’s sumptuous Piano Concerto No. 2, Vivaldi’s sparkling Four Seasons and Beethoven’s noble Eroica Symphony.

Other major works scheduled include Ravel’s jazz-laced Piano Concerto in G Major, Mahler’s emotionally packed Symphony No. 7, Mussorgsky’s grand

Pictures at an Exhibition and the sweeping balletic themes of Tchaikovsky’s Swan Lake Suite.

For those who love pops concerts, there is plenty to love on the orchestra’s Raymond James Pops series, which opens Nov. 4-6 with great tunes and dazzling acrobatics at Cirque de la Symphonie.

The series also offers a toe-tapping salute to The One and Only Frank Sinatra, a sleigh load of holiday hits at Christmas at the Pops and everybody’s favorite ballads from Barry Manilow to Barry Gordy in Music for Lovers.

Other concerts include A Night in the Tropics with trumpeter extraordinaire Charles Lazarus, Rock on Broadway featuring rock-flavored musicals of the ‘70s, ‘80s and ‘90s, An American Song-

book Encore with hits by Gershwin and Cole Porter and a delightful salute to the musical vivaciousness of the “City of Lights” in a concert titled Postcards from Paris.

With concerts from October through May, the orchestra regularly performs at the Straz Center for the Performing Arts in Tampa, Progress Energy Center for the Arts — Mahaffey Theater in St. Petersburg and Ruth Eckerd Hall in Clearwater.

Both season packages and single tickets are on sale. For a free season brochure or to order a series package, visit www.floridaorchestra.org or call (727) 892-3337 or (800) 662-7286, Monday through Friday, 9 a.m. to 5 p.m., and Saturday and Sunday, 10 a.m. to 3 p.m.

Senior Gourmet

Chicken à la Grill There’s nothing wrong with lip-smacking good barbecued chicken — but there are a lot of other tasty ways to enjoy chicken hot off the grill. This recipe from the National Chicken Council bring flame-kissed flavor to your plate in the form of sweet and spicy wings.

• When cooking chicken outdoors, keep it refrigerated until ready to cook.

Do not place cooked chicken on same plate used to transport raw chicken to grill.

• Keep food from sticking to the grate by rubbing with vegetable oil or nonstick cooking spray.

• Keep a spray bottle filled with water close by so that you can spray down flare-ups, which can blacken your food.

For more tips and recipes, visit www.eatchicken.org.

The Art of Fine Italian Cuisine 232 N. Dale Mabry Hwy • Tampa, FL 33609

813.875.6660

www.donatellorestaurant.com

Tampa’s Authentic Italian Restaurant since 1984

Apricot Glazed Grilled Chicken Wings 4 pounds chicken wings, tips removed and cut at the joint 1 teaspoon kosher salt 3/4 cup apricot preserves 2 garlic cloves, mashed 1 tablespoon chopped fresh ginger 1/4 cup soy sauce 1/2 teaspoon red pepper flakes Juice from one lime, about 2 tablespoons 1 tablespoon balsamic vinegar 1/2 teaspoon cumin 2 tablespoons chopped chives Fresh lime wedges for garnish Season wings with salt. Heat grill to medium high.

In bowl of food processor combine preserves, garlic, ginger, soy sauce, red pepper flakes, lime juice, vinegar and cumin; process until smooth. Add chives.

Place wings on grill and cook for 8 to 10 minutes. Turn and grill for another 5 to 6 minutes. With a pastry brush or spoon, brush sauce on wings. Cook for about 1 minute and turn. Repeat on other side of wings. Cook for another 1 minute. Wings should register 170°F when tested with an instant read thermometer. Serve wings garnished with lime wedges. Serves 4.

Join the official Seniors Fan Club of the Tampa Bay Rays for only Season Ticket Holder Price $15

$25!

All Rays fans 55 and older can join the Golden Rays and receive:

• Official Golden Rays T-Shirt • Official Golden Rays Tote Bag • Golden Rays Membership Card • Coupons for merchandise and concession items

G R GR

• Invitations to exclusive Golden Rays events • Special offer for discounted tickets for select Rays home games

For More Information Visit

Or Contact 727-825-3403

Page 22

Senior Voice America

September 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.

WD, NS, ND 70s petite, seeks gent to share swims, hikes, arts, movies & wellness. Palm Harbor (727) 772-7736

Name: Address: City:

State:

Zip:

F WD W LTR – AT MIDNIGHT I LOST MY GLASS SLIPPER. CAN YOU FIND IT AND PUT IT BACK ON MY FOOT? Love life, dancing, the beach, movies, I will love the one who finds my slipper (727) 726-4043. St. Petersburg

Phone: Payment:

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Check

Card Number: Exp: 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:

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

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:

S F Born Again C. Enjoys church activities, BBQ, Outdoor Cafes, laughs and conversation, water. Nice looks and figure. ISO Born Again B M. 60’S Friends LTR possible marriage. Leave message (727)942-2514. Tarpon Springs D W F N S N D C 60 ISO A Gentleman is looking to be happy with one woman, enjoying doing things together. Just giving lots of love to make your soul mate happy. (813) 802 5640, TAMPA W WD C NS over 65, 4’ 9” 114 lbs. Seamstress.

I am a nice looking, healthy, financially independent, quiet woman. I enjoy walking, volunteering, social events and good conversation.

ISO Born again gentleman 66 – 75 yrs, must be 5’6” or under. (727)347-1709 D F, 78 with Auburn hair, ISO A nice man for friendship. I like the simple things in life. (727)343-9477 Lady seeking Gentleman of good qualities for LTR. 75 – 80. I have varied interests that include nature and exploring new places. I am a fit, fun, day person. (727)578-7662

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.

man Seeking WOMan D W C NS SOH ISO LTR Loves music, pets, k-9 crew, walking, singing, bicycling, bible and pizza. Clearwater (727) 447-3131 D W M NS 71 seeks intelligent affectionate lady for LTR. Honesty, beach walks, fun times, travel, for slightly overweight individual. Lets enjoy life together. Evenings (727) 400-9277 Clearwater I am Male, Hindu, tall 67 yrs old, slim, handsome. Retired. Seeking a blond female, active and honest. Age between 50 to 70 yrs young.

(727) 623-9532.

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.

Retired D W M NS 50 5’6”, ISO Lady who like sports, travel and dancing. Trim, good looking and affectionate. (727) 252 6090, ST. PETE BEACH I’m looking for you. If you are a triple S women, w/f or Latina 60+, height weight proportioned willing to commit, love and all that is

Senior to Senior Abbreviations 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

good in life. Call me for details. I’m open 24/7 .

YES 727 992-2342 Holiday ONE WOMAN MAN, S W M, NS, ND. SOH. 55, 5’ 10”, 185 lbs with green eyes and a trimmed beard and mustache. ISO slender, intelligent, easy going, affectionate and romantic SF, NS FOR LTR. Pinellas County only call 8PM to Midnight (727)-492-8164 W WD S C M NS, 65, 6’ 195 lbs., I am handsome and fit. I like tennis and church. ISO Christian who likes music and dancing (727)519-5597 S W M, 73, 5’ 6” 150lbs., ISO a Lady with a good heart. To love and spend good times together. race or color not important (813)447-3212 Friend to Friend I’m W lady that would like to form a ladies club for ages 55-70 for friendship & social activities in the Largo, Seminole area. Largo 717 530-7116 S W M, 59 ISO M/F healthy, active under 65 for friendship. Greenhornet068@gmail.com. PO Box 10181 St.Pete 33733. 727 524-3137 Largo W F NS ND C, ISO A friend to go out to eat, shopping go places. Just having a good friend.

I have my own car and money. (813) 802 5640, TAMPA F I am interested in M or F who wants companionship, for travel, theatre and everyday living. I am a young 70 very active female in good health. Let’s enjoy life together (727)733-1694 WF, WD, NS, ND, SOH 69 Attractive European Lady. ISO Sincere gentleman for friendship. (813)- 994-3238 WD NS ND C, 70’S Petite. ISO someone to share swimming, hikes, arts theatre and wellness. (727)772-7736 S W C F NS ISO a friend, man or woman who’s still working part time in Pinellas Park or St. Pete area that would like to have a yard sale. I’m working part time. Available weekends (727) 319 8899 LARGO

AUGUST 2011 September 2011

SENIOR VOICE AMERICA JULY 2011

SENIORVoice VOICEAmerica AMERICA Senior

PAGE 23 VOICE AMERICA SENIOR

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My only reing or the first moon landing, chances are you’re a Baby their own financial situations. their own financial situations. they’re still in sealed, undamaged boxes, they’re still in sealed, undamaged boxes, help manage the symptoms of help manage the symptoms mptoms of quirements are that they’re of Boomer.

Past performance is not necPast performance not necdo notonhave your prescription islabel on Parkinson’s disease, including do not have your prescription label disease, including including still inParkinson’s sealed, undamaged Born between 1946 and 1964, Baby Boomers some pertremors, rigidity, slowness of essarily a guide are to future essarily a guide to future pertremors, rigidity, slowness of owness of boxes, do them and are not expired. them and are not expired. not have your premovement and stiffness, and 80 million strong.

The generation, often referred to as the movement and stiffness, and formance. ffness, and scription formance. label on them and It’s simple and easy.concerns.

I come to youIt’s simple and easy. I come to you walking walking concerns. erns.

The source for the statistics hardest working, has played a significant role in shaping The source for the statistics are not expired. and pay cash. For ANY and ALL BRANDS! and pay cash.For Formore ANYinformation: and ALL BRANDS! cited in this society article isofthe cited this article is the theincultural, social andUnitconsumer-focused to-UnitFor more information: mation: It’s simple and easy.

I come or Call Randall at Spending (727)World 298-1118 Call Randall(727) at 940-2791 (727) 298-1118 (727) 940-2791 or 91 or ed Nations World Population ed day.

Nations Population more than $2 trillion on consumer goods to you and pay cash. For MPMHealth.com/DBS MPMHealth.com/DBS m/DBS Database.

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Increasingly, Boomers are re-embracing the good old Call Randall at (727) LARGO ROOM FOR RENT AND ROOM PET CARE LARGO ROOM FOR ELDER,Ptak CHILD AND PET CARE Pavilion ELDER, CHILD LARGO FOR RENTout content and Orthopaedic and Neuroscience days, searching products thatRENT remind Ptak298-1118 Orthopaedic and Neuroscience Pavilion science Pavilion 430 Morton Plant St. • Clearwater 430 Morton Plant St. • Clearwater Clearwater Private and bath.

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I have decades ofPrivate experience in Elder Child Care bedroom and for senior 55+.the television I have decades of experience in Elder Care, Child Care Usethey ofMust kitchen, Must have car. Reference the breakfast theyUse ate, the songs listened to. of kitchen, washer. havewasher. a car, references. and Pet Care. cook and shop for you.have Cancereal UseWill of kitchen, washer.

Must aDrive 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. $300 mo. (727) 584-8926 Major companies are taking$350 note and reintroducing mo.

Call (727) 584-8926 to airport, appointments and anywhere within 100 $350 mo.

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BC110903-0511

BC110903-0511

BC110903-0511

1250 WHNZ IMPACT RADIO WITH YOUR HOST EVAN GOLD

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Senior Voice America

September 2011

What will the downgrade of U.S. debt mean to your retirement?

Grab The Dramamine... We May Be In For A Long Ride!

You don’t have to ride the 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.

He will further discuss other current issues that may affect your retirement and how to protect yourself from the “money snatchers” such as high inflation, healthcare reform. taxes, and proposed entitlement changes. Robert will present critical concepts often overlooked by other financial advisors and do-it-yourselfers, whether you have a financial advisor or you’re going it alone.

Stay Informed About Your Options!

Robert B. Harwood Financial Advisor Prior to becoming a Financial Advisor, Robert B. Harwood served as a pilot and officer in the United States Air Force flying missions around the world; he was also in Operation Desert Storm. He is very active in the local community and is happily married to his wife Ana and has two children, Sofia and Adam.

Listen to RobeRt on ‘Ask A Financial Advisor’

You will enjoy meeting Robert the author of a leading book on weathering the current financial crisis.

senioR VoiCe RADio at 11:00 AM on 1250 am WHnZ Radio

TopicS covered in hiS informaTive preSenTaTion Will inclUde:

* Learning the steps necessary to help Preserve and Protect yourself from potentially Outliving your Savings * What will changes in EnTITLEmEnT PROgRAmS mean to you and how you can position yourself for the possibility of these upcoming changes. * SEEKIng YIELD in a crippled market. Options to create income from your portfolio at a time of extremely low interest rates.

* Are Annuities really right for you? Discussion on different types of annuities and when they make sense. not all annuities are created equal! * Inheritance & Estate Planning – Common estate planning mistakes that can cost families thousands of dollars and how to avoid them. Including how to know when and if you need a trust. * Types of CD’s and other principle protected accounts with higher potential growth and yields than traditional bank CD’s and money markets.

call (727) 524-1427 Today for a free inviTaTion to our next dinner presentation please call to determine dates, times, and availability for these important events.

Advisory Services offered through Trustmont Advisory group, Inc., 200 Brush Run Road, Suite A, greensburg, PA 15601 Phone: 724-468-5665 Harwood Financial group is not affiliated with Trustmont Financial and Trustmont Advisory group Inc.

(727) 524-1427, TOLL FREE 800-989-1427 www.HarwoodFinancialGroup.com This presentation is for qualified individual’s

HARWooD Financial Group is A+ rated by the Better Business Bureau

September 2011

FROM PG 3 still have to continue to deal with the same landlord. Also remember if you lose a lawsuit, you’ll be evicted and have to pay a hefty fine.

To learn more about tenants’ rights, go to FindLaw.com.

Senior Voice America

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