FEBRUARY 2012
Check Out Special Senior Voice February Events! Page 10
Since 1980 — VoLUme 32 • nUmBer 2
Planning for Retirement: Consider Relocation
STAYING WELL
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LIVING GREEN SAVING GREEN
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REFRESH YOUR HOME
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Among all the decisions you might Here’s another way to look at it. The make while planning fi nancially for re- standard estimate for a home’s annual tirement, where you choose to live can maintenance costs range from one to be among the most important. And you three percent of its original cost.1 Add might be surprised by what kind of limitations your decision can impose in the future. The area – and the home – you live in during retirement may affect the amount of savings you spend on things like upkeep on your house and transportation as you age. There are many factors that may infl uence you as you plan where to retire – like an area’s cost of living, healthcare options and whether your family is nearby, but consider the following lessobvious things as you fi nalize your ©bigstockphoto.com plans. an average of one percent of the home’s HOW MUCH IS YOUR HOME REALLY COSTING YOU? value for property taxes.2 Based on If your mortgage is paid off, or you these fi gures alone, a $400,000 home plan to have it paid off by the time you would require a $12,000 yearly outlay – reach retirement, you might believe you’re in the clear. But it’s important to or $360,000 during the average 30 year also consider how your geographic loca- retirement. If you were to scale back to tion might affect upkeep costs and tax- a $200,000 home, you could realize a es, which can take a signifi cant bite out sizable savings of $180,000 during reof your monthly retirement budget. tirement.
IS YOUR CURRENT HOME ELDER-FRIENDLY? Few people enjoy thinking about the physical limitations that often accompany the aging process, but this is crucial to consider when you’re deciding where to spend your retirement years. Most large homes are multi-level, which can be challenging – even unsafe – to navigate if it becomes diffi cult for you to move around physically as you age. This isn’t to say that a smaller home or assisted living facility will be the best option for you. If you wish to remain in your current residence as long as possible, in-home eldercare and hospice services are readily available. Whatever you choose, it’s your responsibility to weigh your options and the associated costs before you – or your family – are forced to make diffi cult decisions in the future. Retrofi tting your home to make it easier to move about as you age can range from simply adding safety railings and bars, to more extensive remodeling including installing ramps and
Please See RELOCATION, Page 6.
The Good, the Bad and the Ugly of Varicose Veins At Advanced Vein and Vascular Solutions, we see people with all categories of vein disease. We refer to these different categories as the Good, the Bad and the Ugly. A patient whose vein problem falls into the Good category is a person with very minor spider veins. This may be a new mom or someone with a history of spider veins in their family. Even though the veins appear to be cosmetic only, at our practice we perform a ultrasound by a registered vascular technician, to be assured that there are no underlying medical conditions that may be causing these spider veins. Once it is determined that there is no medical condition, these spider veins can be treated by scleratherapy. This is a process in which the veins are injected with a solution that destroys the vein. It can take several weeks to achieve the maximum benefi t of this procedure.
THE GOOD
For thread like spider veins on the face or leg that are too tiny to inject, a process using microwave energy administered through a tiny needle gets excellent results. A patient with Bad veins is one that suffers from ropey varicosities that appear when the valves inside the veins no longer function and the blood back fl ows. This causes the veins to dilate giving the appearance of snake like forms under the skin. These patients can also experience swelling in the lower extremities. This can be treated with a couple of modalities. First, the source of the problem, the main leaky vein must be shut down. This is done by inserting a catheter into the vein under ultrasound guidance. There is minimal discomfort from the local anesthesia similar to numbing at the dentist offi ce. Once the anesthesia is
Please See VERICOSE, Page 6.
Senior Voice America… in print, on the web and on the air. Tune in to AM 1250 WHNZ Monday thru Friday, from 1 to 2p.m. as 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.
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HEALTH ROUNDUP
To help maintain health this season, it’s important to get the nutrients your body needs every day, through your diet as well as through high quality vitamins and supplements. In a recent nationwide survey, three in four people agree they feel more confident about their health when they take vitamins and supplements. However, many people are not aware of what types of vitamins they need in order to support a healthy immune system. “Most Americans have nutrient gaps in their diet, but people can make up for the nutrients they lack by adding vitamins and supplements to a daily wellness routine,” says Suzy Cohen, registered pharmacist and author of “The 24-Hour Pharmacist.” “There are a variety of ways vitamins and supplements can support a healthy immune system, but when you’re in the vitamin aisle it is important to look for quality products.” As the number of products in the vitamin aisle can be overwhelming, Cohen recommends first looking at the brand, seeking only those committed to science-based protocols for product development, and those that are tested and verified by third-party public health organizations such as the United States Pharmacopoeia (USP). Only products that meet the stringent criteria set forth by USP are allowed to use the USP verified mark on their label. “I recommend Nature Made because of their quality standards and scientific rigor in product development. I know I can trust Nature Made to ensure what’s on the label is in the bottle,” says Cohen. She also adds, “Nature Made is the number one pharmacist recommended brand of letter vitamins, according to a 2011 Pharmacy Times survey.”
Immune Supporting Supplements • Vitamin C – A powerful antioxidant, Vitamin C helps maintain a healthy immune system and protects against damaging free radicals. Additionally, Vitamin C, such as the Nature Made Vitamin C 1000mg, is necessary for the body to manufacture collagen, which is essential for healthy skin. • Vitamin D – Supports teeth, bone and immune health, and healthy levels of Vitamin D in your body may promote your heart health as well. • Probiotics – Certain types of probiotics supply “good bacteria” that can help maintain immune system health. • Zinc – Maintaining healthy levels of zinc in your body is necessary for healthy growth, devel-
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©bigstockphoto.com
A Pharmacist’s Guide to Staying Well this Season
opment and proper immune function. Zinc also provides antioxidant support which helps to protect the body against damaging free radicals. • Echinacea – Echinacea may support healthy immune function.
Additional Immune Boosting Techniques • • • • •
Strive to get seven to eight hours of sleep each night. Practice relaxation technique to get rid of stress and the harmful hormones it can trigger. Wash your hands regularly, especially before meals. Eat a balanced diet. Check out the new dietary guidelines from the U.S. Department of Agricul- ture at www.choosemyplate.gov. Exercise regularly. According to Harvard Health Publica-tions, exercise may additionally sup- port a healthy immune system by promoting healthy circulation, moving immune system cells throughout the body.
If You Get Sick If you do get sick this cold and flu season, there are a number of things you can do to stop the spread of the virus. • Cough or sneeze into the inside of your elbow. • Wash your hands often. • Keep your hands away from your eyes, nose and mouth. • Try to avoid close contact with others to minimize the spread of the germs. For more wellness tips and information on vitamins and supplements to boost your immune system, visit www. NatureMade.com. The survey was conducted by ORC International on behalf of Nature Made from Aug 26-29, 2011 among a random sample of 1,014 adults in the continental United States.
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FeBrUarY 2012
FROM THE PUBLISHER Valentine’s Day Doesn’t Need to Come Once a Year THE SENIOr VOICE OF FLOrIDa • EST. 1980 Senior Voice America, Inc. 8406 Benjamin Rd Ste G Tampa FL 33634 Phone (813) 444-1011 • Fax (813) 422-7966 www.seniorvoiceamerica.com STAFF Publisher: Evan Gold evan@seniorvoiceamerica.com Associate Publisher: Timm Harmon timm@seniorvoiceamerica.com Broadcast Producer: Deb Goldman deb@seniorvoiceamerica.com Creative Director: Ed Luiso ed@seniorvoiceamerica.com Circulation Manager: Sharon Altman sharon@seniorvoiceamerica.com aDVErTISING rEPrESENTaTIVES • (813) 949-0006
E
very year that fateful day of February 14th rolls around and most of us (men that is) start to scramble. Usually the scrambling starts on the 13th, but some even wait until the 14th. We try and figure what to buy our lovely gal and how to show her how we feel about her on Cupid’s day, or should I say Hallmark’s special day. But why do we wait for special occasions to make a big deal about how we feel? I am reminded of one of those chain emails that I read a few years ago. It speaks about a middle-aged husband that is going through his deceased wife’s underwear draw. As he is emptying out the drawer he comes across a pair of brand new panties that he remembers she bought for “that special occasion.” That’s right never been worn. The question is, how many special occasions came and went, but she felt that these were just not special enough? We are sometimes such foolish people, waiting for that perfect night to make tremendous fanfare or a big deal to wear that perfect outfit. When there are so many chances under our noses to do it and make our partner feel special. I probably don’t need to remind you that tomorrow is not promised to any one of us. Worse yet, some of us get embarrassed by showing our love and affection only to have watched the relationship end because our pride was too important to take a risk. The irony of it is that it is no risk at all since you are showing your love and affection to the one that loves you. So while I encourage our readers to go out and show the people you love how special they are on this Valentine’s Day, try and make it a habit to do something special for them on a more regular basis. I know from experience that it has strengthened our marriage that Deb rarely waits to wear or do that something special. We all know down deep that it is the little things we regularly do for the ones we love that can pay big dividends in a relationship. Happy Valentine’s Day!
Evan Gold
Timm Harmon timm@seniorvoiceamerica.com Scarlett Waldron scarlett@seniorvoiceamerica.com
HEALTH ROUNDUP
Traci Olson traci@seniorvoiceamerica.com
Good Nutrition Important for Eye Health as You Age
CONTRIBUTORS Lil Cromer • Christine Hamacher Barbara Marshall • Jay Marshall • Ro Martinez Carole McLeod • Roger Nocera, M.D. Joe Pippen • Maureen Rulison Would you like to write for Senior Voice America? Please email editor@seniorvoiceamerica.com
SENIOR VOICE IS A PROUD MEMBER OF Better Living for Seniors The Guardian Association of Pinellas County The Florida Assisted Living Association Senior Voice America is published monthly and is distributed free of charge, courtesy of its advertisers. Distribution area includes Pinellas, Hillsborough and Pasco counties. Articles and advertising contained in this issue do not necessarily reflect the opinion or endorsement of the publisher, who does not verify advertiser claims and reserves the right to refuse or discontinue any advertising.
Tune in to AM 1250 WHNZ... Monday through Friday, 1-2PM
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Poor vision has many causes and treatments. As you grow older, you will likely experience some type of vision loss or reduction in visual performance. For older adults, bright lights, glare while driving at night and even blindness can dramatically affect quality of life, but the treatment isn’t just glasses or a stronger prescription — it’s also nutrition and supplementation. Age-related macular degeneration is the leading cause of blindness for Americans older than 60, according to the American Optometric Association. The Centers for Disease Control and Prevention estimates 7.3 million people are at substantial risk for vision loss from AMD. Other estimates indicate that as our population continues to rapidly age, as many as one in three could be diagnosed with AMD in the next 20 years. AMD deteriorates central vision, affecting everything from seeing faces clearly to literally having no central vision at all. Key risk factors for AMD are age, family history, smoking (past or present), low macular pigment, light skin and eyes, obesity and Caucasian women are also at slightly higher risk. Macular Pigment Optical Density is a brief, nonintrusive exam performed by many optometrists throughout the country, which measures macular pigment in the back of the eye. Think of macular pigment as “internal sunglasses” for the back of your eye — they absorb harmful blue light that can adversely affect eye health. Internal sunglasses protect the photoreceptors in the back of the eye — specifically the cones, which are responsible for central vision, color, sharpness and sensitivity to bright light, among others. Two key carotenoids, Zeaxanthin (zee-uh-zan-
thin) and Lutein, comprise the internal sunglasses, which can become thin as we age, unable to block or absorb harmful blue light. In order to keep the internal sunglasses thick and dense, it is important to replenish Zeaxanthin, the predominant carotenoid in the area where the concentration of cones is the highest. Zeaxanthin is very scarce in the average daily diet and vegetables like kale, corn, collard greens, spinach and peppers naturally provide nutrients to help maintain macular health, but supplementation is often necessary. For example, one would have to eat approximately 20 ears of corn to get a recommended dosage of 8 to 10 milligrams of natural dietary Zeaxanthin per day. Supplements like the EyePromise brand of eye vitamins help rebuild macular pigment through unique nutritional formulas that feature the highest levels of all natural Zeaxanthin, derived from paprika. In addition to protection, Zeaxanthin and Lutein can improve visual performance, reduce glare issues and sensitivity to bright light, as well as improve color intensity and contrast sensitivity. “Too often we concentrate our diets on weight, blood sugar, cholesterol and blood pressure, but ignore one of the most important organs in our bodies — our eyes,” says Dr. Dennis Giehart, founder of Zeavision. “An abundance of science has found low macular pigment puts people at risk for AMD and increasing Zeaxanthin in the diet can help improve macular pigment for improved visual performance.” Vision shouldn’t be something you take for granted as you age. Take care of your eyes with proper nutrition and supplementation if necessary and ask your eye care professional about having your macular pigment measured to maintain your central vision. ©bigstockphoto.com
Join our sales team. For information about opportunities throughout Florida and North America, email evan@seniorvoiceamerica.com.
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RELOCATION, from Page 1.
Still not sure you have all the information or resources you need to make elevators. While you may initially cringe these – and other – complex decisions at such expenses, it’s important to conabout retirement? Work with a financial sider the long-term savings that can acplanner who can help you to prepare ficompany such improvements. Consider the case of a person who is nancially for retirement while considerno longer able to remain in his home ing your location, your lifestyle and and moves into an assisted living facili- other aspirations. ty. The cost may range from $4,000The views expressed here reflect the 5,000 per month, or approximately $25,000 for a five to six month stay. A views of Ameriprise Financial as of similar investment toward retrofitting Sept. 14, 2011. These views may change your existing house may enable you to as market or other conditions change. Actual investments or investment decistay in your own home much longer. It’s also important to remember that sions made by Ameriprise Financial these kinds of home improvements of- and its affiliates, whether for its own ten make properties more attractive to account or on behalf of clients, will not potential buyers if you decide to sell necessarily reflect the views expressed. This information is not intended to proyour home. vide investment advice and does not DOES THE AREA WHERE YOU LIVE MEET YOUR account for individual investor circumNEEDS AND RETIREMENT GOALS? stances. Ameriprise Financial does not proYou may also ask yourself if the area vide tax or legal advice. Consult your you live in will meet your needs later in tax advisor or attorney. life. Are you close to healthcare facili© 2011 Ameriprise Financial, Inc. ties? If you outlive your ability to drive All rights reserved. are there grocery and convenience File number 129163 (12/11) stores within walking distance or that
offer delivery services? Likewise, as you think about the things you want to do during retirement, it’s important to consider if your metropolitan area is a good fit. For example, if you want to spend more time with family members that have moved away, you must account for travel expenses in your retirement plan.
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1Freddie Mac, November 2011. Depending on when you purchased your home, and the age and condition of the property at the time of purchase, this figure may be higher or lower. 2Source: The Tax Foundation: Property Taxes on Owner-Occupied Housing by State, 2004 - 2009 3Source: Center for Disease Control
FeBrUarY 2012
VERICOSE, from Page 1.
THE BAD THE UGLY
completed, the catheter is connected to radiofrequency energy. When the catheter is removed from the vein, the vein seals itself shut. The next part of the procedure is to remove the ropey veins. This is done with a needle and tiny hook to disrupt the vein. Now to the Ugly….this is a situation where venous insufficiency has not been treated and now the patient’s leg has been swollen so long that it has caused swelling and discoloration. The skin can actually weep fluid through the skin and eventually the skin breaks down causing open sores or ulcers. Left untreated, these ulcers can become secondarily infected. This will not heal on it’s own. The swelling must be resolved in order to allow the tissues to return to what was once normal. Similarly, to the Bad veins, the source of the problem, the main leaky veins must be closed first. Once this is accomplished, the patient is underway to healing however, we sometimes use special dressings to expedite the healing process. So, whether you think your veins fall into the Good, the Bad or the Ugly, here at Advanced Vein and Vascular Solutions we can help you. We offer four convenient locations in the Bay Area, on Davis Islands, Town N Country, Sun City and Largo. Most procedures, aside from cosmetic only, are covered by insurance. Call to schedule a free vein screening at 813-258-CARE. (2273).
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HEALTH ROUNDUP Good Doctor-Patient Communication Can Lead to Better Management of Rheumatoid Arthritis
We Love Our Seniors! You built this country. You fought our wars. You served us! Dr. Forman is happy to serve you!
©bigstockphoto.com
YES, we are accepting new Medicare patients. We also accept Wellcare, Freedom, AARP, Secure Horizons and more! No referral needed in Florida.
If For patients suffering from rheumatoid arthritis, pain is a part of life. Nearly 70 percent of people being treated for RA, experience pain, stiffness or fatigue on a daily basis. However, many patients don’t realize that better communication with their rheumatologist could lead to improved care. Studies have shown that earlier treatment of RA can limit joint damage, which can limit loss of movement. “Talking to your doctor and effectively communicating how RA affects your life are keys to improving the management of your disease,” says Dr. John H. Klippel, CEO of the Arthritis Foundation. “Patients need to recognize that the rheumatologist has the very same goal as they do — to understand how RA affects their life and to develop a plan to manage their disease.” RA is a serious form of arthritis that impacts more than 1.3 million people in the United States alone. The chronic infl ammation in the lining of joints that defi nes RA can lead to decreased range of motion and permanent joint damage. The Arthritis Foundation suggests RA patients do some homework before visiting their doctor by “Taking P.A.R.T.”: • Prepare: You should keep a journal of symptoms and compile a list of questions for your doctor. List all of
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your medications, including prescriptions, over-the-counter remedies and even herbal supplements. • Ask questions: You should ask questions whenever something doesn’t seem clear. This will help to ensure you understand what’s going on and how to best manage your condition. Keep it simple, specifi c and direct. • Repeat: Take notes and repeat the instructions and information you receive from your doctor to make sure you heard and understand it. Ask for written handouts and instructions. • Take action: Be part of the solution. Let your doctor know about your lifestyle, concerns and preferences so a treatment plan can be customized to your specifi c needs. The Arthritis Foundation has launched a national campaign called “Let’s Talk RA” to educate RA patients on how to better communicate with their rheumatologists and to highlight how important a doctor-patient relationship is to improving patient care. Bristol-Myers Squibb sponsors the “Let’s Talk RA” campaign. A free “Let’s Talk RA” communication kit that can help patients take a more active role in their care is available from the Arthritis Foundation at www.letstalkra.org, or by calling (800) 568-4045.
Seth B. Forman, MD
Board Certified • Diplomate, The American Board of Dermatology
Treating the following: • Skin Cancer Screenings • Skin Cancer Surgery • Psoriasis • Eczema
• Dry Skin • Skin Ulcers • Rashes Best in Carrollwood • More
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Call today to schedule an appointment
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Visit us online at www.formanderm.com
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CANCER ANSWERS Patient And Family: The Center Of Moffitt’s Programs Most patients and their close family members will tell you they prefer to be involved in decisions that infl uence their medical treatments and their health. And, fortunately, according to the U.S. Department of Health & Human Services, health care has been evolving away from a “disease-centered model” and toward a “patient-centered model.” In the older, disease-centered model, physicians made almost all treatment decisions, based in large part on clinical experience and information from various medical tests. In a patient-centered model, however, the patients themselves become active participants in their own care and receive services designed to focus on their individual needs and preferences, in addition to advice and counsel from health professionals. Patient- and family-centered care is an approach to the planning, delivery and evaluation of health care grounded in mutually benefi cial partnerships among patients, families, and health care practitioners, according to the American Hospital Association. Patients can have better outcomes when a true partnership exists between health care practitioners and the patients and their families. At Moffi tt Cancer Center, patient- and family-centered care has developed into an innovative approach to the planning, delivery, and evaluation of health care that is grounded in mutually benefi cial partnerships among patients, families, and providers. Patient and family-centered care is based on the belief that family plays a vital role in ensuring the health and well-being of patients of all ages. “Family” refers to two or more people who are related in some way – biologically, legally, or emotionally – as defi ned by patients and families. In 2005 Moffi tt established a Patient & Family Advisory Program to bring the patient and family perspective into everything that is done at the Cancer Center. The Program is dedicated to strengthening collaboration between patients and family members and the health care team to enhance the Cancer Center’s ability to deliver the highest standard of safe, comprehensive and compassionate health care. A key component of the Program includes a Patient & Family Advisory Council composed of patient and family advisors, administrators, as well as physicians, nurses and other health care professionals. The Council serves as a “voice” for patients who have received cancer treatment at Moffi tt and their family members. Council members work alongside doctors, nurses, and other health care providers. Council goals include: enhancing communication, improving navigation through the system, and improving patient safety and care. With these key goals in mind, Moffi tt offers a free Patient and Family Orientation to all patients, their family members and caregivers. The 45-minute presentation helps make each patient’s experience at Moffi tt more comfortable, less stressful, and ultimately more successful. Patients participating in the orientation receive a toolkit with useful items, such as a system to keep track of appointments, medications and medical records. The Patient and Family Orientation is a comprehensive introduction to Moffi tt Cancer Center. It provides an overview of way fi nding, self-advocacy, patient safety and the full range of available support services. Patients who attend the orientation will receive complimentary briefcase-style toolkits equipped with resources and fi le folders to help organize medical information. Orientation classes are held at Moffi tt Cancer Center on Mondays and Tuesdays at 1 p.m. and on Wednesdays at 9 a.m. in the Owl’s Den, located on the 1st fl oor of the Muriel Rothman Building (Clinic Building). Additional orientation classes are offered Mondays through Thursdays at 3 p.m. in the Patient Library and Welcome Center, located on the 2nd fl oor of the Muriel Rothman Building, just off the B elevators. Orientation content is also available for viewing online once a patient has registered online through the MyMoffi tt Patient Portal.
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HEALTH ROUNDUP
A Major New Discovery in Stem Cell Medical Science By Roger Nocera, M.D. Perhaps you’ve heard of stem cell medical tourism. Patients travel to overseas clinics which provide stem cell treatments for diseases that don’t respond well to conventional medical methods. Many of these treatments involve administering stem cells taken from umbilical cord blood and placentas. What is less well known is that important major medical discoveries have recently emerged from this advanced overseas work. At first researchers believed that the stem cells caused healing by themselves by replacing injured cells with new ones, as stem cells are known to do. However, scientists have since reported that the stem cells are not the most important part of this treatment process. Rather, it is the special substances produced by the stem cells called cytokines (siy’ to kinds) that do most of the healing. Stem cells given to sick patients produce these cytokine substances, which in turn activate and stimulate the body’s own natural stem cells to heal diseases by replacing sick and injured cells with healthy new ones. This new information opens the door to more conventional medical methods. “We can stimulate the body’s cytokine chemical substances so that healing will be accomplished by the patient’s own stem cells, which are found naturally throughout the body.”, says Matthew Burks, M.D. of USA Stem Cells based in Florida. This can eliminate the need to inject stem cells into the patient, which is not yet allowed in the USA. Dr. Burks has been using this method to treat COPD, a chronic progressive disease of lung tissue, which is irreversible by current conventional methods. According to Burks, it has recently been shown that COPD causes lung disease by interfering with those cytokine
chemical signals needed to activate the patient’s own stem cell healing system process. This is why patients never get well again once they have COPD. To break the COPD cycle of interference, Dr. Burks uses various medications that are injected, inhaled and given orally to help create the cytokine signals needed to stimulate and encourage the patient’s own natural stem cells to help heal injured lung tissue through cell replacement. Dr. Burks has also incorporated advanced laser therapy to the lungs by painless external exposure, which has been shown by recent medical research to activate cytokines which stimulate the patient’s own stem cell healing activity. Dr. Burks became committed to working on COPD quality of life issues shortly after his own father was diagnosed with the disease. Using these methods of stimulating stem cells, his father has subsequently managed to live a much better quality of life than most with the disease. According to Burks, USA Stem Cells is committed to treating only the lung diseases COPD and pulmonary fibrosis. He also stated that this is the only clinic he knows of that uses such stem cell stimulating procedures in attempts to ameliorate the ravages of this complex disease. Dr. Burks admits that not everyone is a candidate for this adult stem cell therapy and not everyone responds to treatment. You can visit his website (www.USAstemcells.com) for more information. To schedule a free telephone consultation with Dr. Burks, call his office at (877) 578-7908 and find out if you are a candidate for this exciting advanced adult stem cell therapy. Roger M. Nocera, M.D., is a stem cell expert and author of Cells That Heal Us From Cradle To Grave, A Quantum Leap In Medical Science available at Amazon.com
For details on Moffitt’s Patient and Family Orientation, call 813-745-2963 (English) or 813-745-7618 (Spanish).
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LIVING GREEN
photo coURtEsY miELE
Green Living Plus Green Savings
Across the nation, both building professionals and consumers are embracing the idea of sustainable building practices. This practice follows a process that is environmentally responsible and resource efficient throughout a building’s life cycle: from design to construction, operation to maintenance and renovation, to eventually, demolition. This practice expands and complements the classical building design concerns of economy, utility, durability and comfort. Green building brings together a vast array of practices and techniques to reduce and ultimately eliminate the impacts of buildings on the environment and human health. It often emphasizes taking advantage of renewable resources, such as using sunlight to generate solar power and using plants to reduce rainwater run-off. According to the Energy Information Administration, the demand for green homes is expected to rise 900 percent in the next five years.
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In the home, using energy efficient appliances can dramatically reduce energy waste and cut costs. Companies like Miele offer a wide range of Energy Star rated appliances for every room in the house from the kitchen to the laundry room. For example, Miele offers induction cooktops, which use a non-contact method of heating using magnetic fields to transfer energy directly to cookware. The induction element stays cool, while the target object heats up rapidly for extremely efficient cooking. Like gas, induction is exceptionally easy and quick to control. The ability to precisely control the power makes induction perfect for all types of cooking. It is highly reactive and exceedingly safe. The cooking surface is cool in operation and only generates heat where the pan sits on it. As soon as the pan is removed, the flow of heat stops immediately. For more information on the various types of energy efficient appliances available, visit www.mieleusa.com.
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FUTURE PLANNING
There’s No Place Like Home By Christine Hamacher, Community Relations Coordinator, Harmony Home Health, LLC Sadly, millions of senior citizens have to leave their homes every year. Studies show that 1 in 3 seniors will end up in a nursing home. Families struggle with this decision and agonize over what is best for their loved ones physically and emotionally. What circumstances will cause you to face this decision? Top Reasons Seniors Move to Assisted Living or Nursing Facilities: 1. An accident or fall 2. Recovery from surgery 3. Increased memory loss 4. Lack of healthy eating habits 5. Inability to take care of personal hygiene 6. Mental illness or severe depression We wish for an alternative that will allow our loved ones to stay in the surroundings that bring them the most comfort. Private home health care agencies grant those wishes. “So many families we talk to think that home health care is only available to those recovering from injury or a hospital stay,” says Bowman, CEO of Harmony Home Health, the premier home health care agency in Tampa Bay, “Most people don’t realize the kind of help our agency can provide and the positive impact it can have on their entire family.” The common perception is that in-home care is
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limited to those rehabilitating from surgery, suffering from a disability or struggling with a terminal disease. This isn’t the case. Private duty home health care opens the door to a wide variety of services that help people remain independent and happy at home. It is a viable and heartwarming alternative to removing your loved one from their home before they are ready. Daily tasks can become ©123RF.com more difficult for your aging loved ones with each passing year. Family members pitch in but inevitably feel like they can’t do enough. As a result, family relationships can become stressed. Bowman encourages families to take a fresh look at the needs of their older family members and ask the following questions: • How can you make the most of how they spend their time? • How can you make the most of the time you spend with them? • What daily tasks are most difficult and require assistance you are unable to regularly provide? • What small changes can be made that will make a big difference in their daily lives and improve your
family relationships? “We customize our services to the needs of our clients and do our best to enhance their overall quality of life,” explains Bowman who was honored by the Tampa Bay Business Journal in 2011 as a Healthcare Heroes finalist and winner of their under 30 “Up & Comers” award, “It’s our mission to make a positive difference in the lives of everyone we touch.” Professional caregivers can serve as an extension of your family. The licensed home health aides at Harmony are specially trained in assisting with personal care (bathing/grooming/hygiene), fall prevention, medication management, transportation, and stimulating those with memory issues (like Dementia or Alzheimer’s). They can also lend a hand with housekeeping, gardening, and preparing home-cooked meals for those who need it. Working with a qualified and trusted home health care agency can help families develop a care plan that brings everyone peace of mind. Harmony Home Health is a local, family-owned agency that has provided compassionate care to seniors since 2004 and serves all of Pinellas and Pasco counties. Harmony responds to calls for help 24 hours a day, 7 days a week. For more information, contact their care team at 727-723-7532 today for a FREE in-home assessment or visit their website at www.harmonyhh.com.
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FUTURE PLANNING OK, now that I’m a Caregiver, what do I next? By Maureen Rulison, President of Caregiver’s Support and Resources and Medical & Financial Planning Services The best advice I give new caregivers is to be guided by our company’s motto: “Honor Your Parents, Take Care of Yourself.” Self-care is essential to being a good caregiver. As stated by Dr. George W. Carver: “Give 5% of your time to keeping well. You won’t have to give 100% getting over being sick.” Taking the time to keep yourself healthy is easier said than done once you are hip deep into caregiving. Because dealing with an immediate crisis is typically how the caregiver’s role begins, caregivers often find themselves running from one fire to another. They’re fueled by survival instincts and suffer from stress associated with living in crisismode. In order to transition from surviving to thriving you must stop long enough to develop a written plan and to put a support system in place. This is what my company does with and for caregivers and it makes all the difference in their world. One of the first things to do is to get a complete grasp of your loved one’s finances and medical needs because these two areas of their life impact all other decisions. For example, if you discover that you are caring for a person who does not have in place these four documents that are important to their financial life and health care, then your plan will include getting these documents prepared: Durable Power of Attorney for Finances, Health Care Surrogate, Living Will and a Last Will & Testament. Your loved one may also need one or more Trusts. The support person you need is an estate planning or elder law attorney. This same process of gathering and evaluating information and then identifying needs should be done for all aspects of your loved one’s life, including: • Health Care: medical history, medications, nutritional needs, physicians, preventative care. • Finances and Insurance: assets and debts, account #s, insurance policies, contact information for advisors (CPAs, financial advisors, insurance agents). • Living Environment: assess the safety and functionality of the home and what modifications need to be made, or if relocation is necessary. Factor in ac-
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cess to socialization and activities. • Available Sources of Support: identify friends, family, neighbors and service providers who can help. Once you have gathered and assessed, you need to develop a written plan. The plan should be easily accessible, portable and on the computer so that it can be updated and shared. Once you have drafted a plan, there are people to talk to about the plan such as other family members. They may have concerns with what you have developed so you will need to be prepared to consider their views. ©bigstockphoto.com
Just as important as creating a plan to meet today’s needs is developing what I call a “What If” section of the plan. What if Dad can’t stay at home anymore? What if his money runs out? What if something should happen to me? Because many caregivers are in this role for the first time, the “What If” category is a source of insecurity and stress. You need to balance the importance of planning ahead with not overwhelming your mind with what may never come to pass. Gathering and assessing information, developing a plan and thinking through the “what-ifs” isn’t easy. That’s why there are companies like mine to help you go from crisis-mode to controlled chaos. Just think of our motto “Honor Your Parents, Take Care of Yourself” and get support from professionals who are able to spot problems you don’t yet see and either prevent the “What Ifs” from happening and resolve the inevitable problems effectively. Caregiver’s Support and Resources provides family caregivers in Tampa Bay with experienced guidance. When Mom needs help, we know what to do! We will assign you a care plan specialist and help you identify resources and develop systems to manage caregiver duties. Our mission is to empower you so that you can Honor your Parent and Take Care of Yourself. Call for your free consultation: 727527-5488.
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FeBrUarY 2012
LOOKING GOOD
Making Memories With Family Portraits By Ro Martinez At the beginning of a new year, people often focus their attention on family. Weddings, graduations and other memorable events such as pregnancy or the birth of a child are reasons to smile for the camera and seek out a professional photographer. Memories captured in photographs are priceless. Family portraits bring the past to life for future generations. Some people go for years without having a portrait done because they believe it will be too much work or expense. This does not need to be the case. Do not miss recording life’s milestones for fear that a portrait will be dull or difficult. Gone are the days of the stuffy studio where families pose in front of the same backdrop with expressionless faces. Today’s photographers come to you. Your home, business or treasured location such as the beach or park can create a meaningful backdrop. The special needs of aging parents or very young children may have kept many from considering a professional portrait, but modern equipment allows for the convenience of portable studios that make it easy for everyone to participate. When deciding on a photographer, consider style, personality, budget, wardrobe and location. Style - Photographers are artists who love to create. While some shoot in a traditional style, others are not afraid to try new ideas and shoot in urban settings or unusual locations, resulting in artistic images. You may choose a style that fits your personality, but be open to possibilities beyond the obvious. An imaginative, skilled photographer may envision things that you do not. When you let go and follow the photographer’s direction, you may end up with a portrait more stunning than you would have ever imagined. Personality - Schedule a meeting with your photographer before your photo shoot. Skill, experience, and expensive equipment are hallmarks of a professional, but if the photographer does not like children, rushes you or makes you feel uncomfortable, it will show in your photo. Find a photographer who is willing to listen to your ideas. Finding a good match will ensure you have a good experience and natural-looking photos. Families have personalities. Some are playful and love practical jokes while others are more serious and reserved. Make sure your portrait reflects who you are. Budget - Set a budget before the photo shoot. Some photographers charge by the hour, and some charge a sitting fee. Some charge per image, and many offer a package price. If you are paying per image, decide in advance how many images you will purchase — looking at precious images of your children will make it difficult to choose. To reduce your expenses, consider splitting the cost with other family members being photographed. Another cost-cutting option is to contact a photography school and use a student who needs to develop a portfolio. Students will often give you a discounted fee or CD in exchange for your time. A student shoot may take longer, so prepare to be patient. Wardrobe - Make sure each family member is dressed according to the selected theme — casual or elegant. If you are doing a casual jeans and sweaters combination, a person dressed in shorts and a T-shirt will standout. Formal events such as weddings require formal attire for family members and guests. Once you agree on style, select the color and look of your outfits. Although facial expression and positioning are important, what you wear can detract from a great-looking shot. Clothing can set the tone of the photograph. Put some thought into selecting your wardrobe. Children are especially fun to dress. You can do matching or contrasting outfits, costumes, or their Sunday best. Adding props, pets and trophies or awards may help children keep focused and entertained. Location - Stay away from busy backgrounds or crowded places that will detract from your portrait. The beach is perfect because the sand has reflective qualities, making you look great. Time of day is most important
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when you consider the bright Florida sun. Your photographer may recommend a location with good lighting, or you may select your favorite place with their approval. Family photos can be enjoyed for years to come, especially by grandparents who may not get to enjoy their grandchildren year-round. At my family reunion a few years ago, I could not get our large group to share my interest in having a portrait done, and since my grandmother was not well, I did not want to insist. It was her last reunion, and I regret not arranging for a photographer to come to the house. We missed an opportunity to have our four generations photographed. You should not let this happen to you. Angela Mann, professional photographer, agrees. “To me, photography is more than just a pretty portrait. It is really seeing people through the lens, striving to capture the beauty and genuine emotion in every client. It is so important to preserve the precious moments that tell the legacy of your family, to honor the lives of the elder, to tell the stories of every day life to your children and to share with generations to come.� Now is the time to get the family together and capture those memories. Whether your photographer shoots your family, children, or a single family member, use the photos shown as inspiration. They are just a small representation of all possible styles and events to photograph. Ro Martinez, author, model, and modeling coach, has been in the business for 25 years. Her book Modeling At Any Age is a step-by-step, comprehensive, easy-to-read guide for modeling and how to flourish in the industry. For information on becoming a model or actress, visit www. modelingatanyage.net or email Ro at romartinezmodel@hotmail.com. Photos By Angela Mann Photography Hair and Makeup By Monique McLaughlin . www.makeupandhairbymonique.com Christie Burton . 813-368-5573 Models provided by: www.modelingatanyage.net
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HOME
Cluttered Lives By Lil Cromer Baby Boomers, listen up! If your parents live in the same house that you were raised in, you may be in for a rude awakening. The day of reckoning comes when we are forced to clean out our parents’ home, a situation I found myself in when I moved mom out of the seven room home she’d lived in for
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fifty-six years into a one bedroom assisted living facility. Don’t know why we referred to as mother’s house. My father lived there too — until his death in 1992. But somehow it was always her house. It’s debatable whether mom understood the concept of a garbage can; she didn’t throw anything away: not rusty safety pins, twist ties, old keys to who knows what, foam TV dinner trays, old zippers, expired coupons, empty spools, dried up pens, buttons, stacks of church bulletins, mail addressed to “Occupant,” canceled stamps — everything was saved. Stuff was crammed in drawers, under beds, in cupboards, in closets, in the attic, and garage. Her home had become an abyss of clutter only an eBay junkie could love. Given the premise that we are all born with the inherent capacity to organize, what happened? In conversation with other adultchildren who have had comparable duties to perform, we found many similarities in our parents; “don’tthrow-it-out, you-may-need-it-someday” philosophy. “There’s no guilt if I don’t throw it out,” they say.” However, mom carried it to extremes. Some of the more bizarre finds: three
sets of false teeth, her tattered wedding gown, 2nd grade report cards, broken earrings with no mates, power cords to unknown appliances, scraps of paper jammed into her Rolodex of those long deceased, undated photos of unidentifiable people, my father’s business records from a business dissolved twenty-five years previously. The old WWII era clothes in mother’s attic were not even suitable for
rags. Granny’s sewing machine, that hadn’t been used in donkey’s years, sat in the living room. Her “good” dishes with the gold rim, unsuitable for the dishwasher, were stored in the hutch. Clutter is visual noise. After a while it becomes a loud clamor we don’t even realize is blaring — as was the case with mom. She became a prisoner in her house, material things began to control her; she felt she could never leave or change. She had too many clothes in her closets, causing confusion and indecision, always showing up in the same old outfits. I rounded up her polyester slacks from various closets — sixty-six pairs! When I stacked them in front of her, she exclaimed, “Those aren’t all mine!” Who else’s? Mom’s closets and drawers were bulging with un-ironed clothes that no longer fit and girdles she hadn’t worn in thirty years. If it doesn’t bring joy, it’s junk. If you don’t love it, it’s junk. If you don’t need it, it’s junk. Junk keeps us living in the past, and thus prevents us from moving forward. It resists organization, making us feel like failures, living an unmanageable lifestyle. There is no end to clutter, well meaning friends bring you gifts of
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FeBrUarY 2012 tchotchkes, the mailman brings you unordered catalogs, newsletters etc., ill-fitting clothes get pushed to the back of closet. As we age, nice people get nicer, mean people get meaner and collectors collect more. One trick to being clutter free is keeping your stuff and your life on the the same path headed in the same direction. Throw out those old 8-track tapes, school sweaters, and old prom dresses; you’ll feel much freer, less stressed. Most importantly, simplify, simplify, simplify. I like to clip interesting articles, but try to restrain myself by choosing those pertinent, not to exceed three manilla file folders. I empty my in-box at the end of each week. When I open my closets and drawers my goal is to get dressed not to get upset. It’s difficult for me to think of books as clutter, but they can overwhelm my space if I don’t systematically weed them out. It’s a tough battle indeed, but one that must be fought. It’s futile to nag or preach to pack rats; you’ll only irritate them. Like smokers, they’ll transform only when they feel like it. Plus, they’ve always got an excuse, like they’re doing you a favor, “Some day all this will be yours.”
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We all know at least one person who has collected years and years of National Geographic magazines, organized by date, sitting neatly on a shelf. Who wants them? Do we really want your father’s stamp collection or Aunt Martha’s silver tea set? Mom never used it, why would I? Mom’s stuff, what’s left of it, will be torched by her heirs. Heirs feel burdened by stuff, that’s why the more progress you can make now the easier it’ll be when your beloved parents are called to eternity. Worst of all, clutter gets in the way of your more important valuable possessions like stock certificates, un-cashed checks and government bonds I found when wading through mom’s stuff.
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SENIOR HAPPENINGS flavor, character and ambiance. A total of 84 buildings in Ybor City, Tampa’s FEB. 14 National Historic Landmark District, are currently listed on the National RegTech Night For Older Adults ister of Historic Places. Exhibit visitors North Tampa Branch Library will experience a tremendous pictorial Seniors, need help with your new view of Ybor City, then and now and tech gadget? Bring your cell phone, dig- view rarely-seen original drawings of ital camera, video camera, GPS, etc. M. Leo Elliot and B.C. Bonfoey. More and get simple instructions from li- importantly, they will learn about the brarians and volunteers at your library. stories and transformations that make Register in advance by phone or in per- Ybor City what it is today, and will carry son at the Ask Me desk. Walk-ins wel- it into the future. FEB. 6 come. 6:30 pm. Ybor City Museum 1820 East 9th Avenue, Ghost Tour of Tampa North Tampa Branch Library is located at Ybor City. For more information call (813) Franklin St. Tampa 8916 N Blvd., Tampa. For more information 241-6554. Discover the chilling tales of the city call (813) 273-3652. FEB. 24 once described as the “damnedest town FEBruary 14 this side of Hell,” with true stories of Presentation “Baker Act” restless spirits, haunted houses and Gulfport Tuesday Fresh Market The Villas of Belleair lost cemeteries! Ghost Tours run nightFriends of the Gulfport Library will This Special event is a symposium ly in downtown Tampa. Call or visit on- return, offering a large assortment of discussing all aspects of the Baker Act. line for tickets and reservations. used books, CDs and more at bargain 10:00am-1:00pm. Departs from Indigo Café, 514 N. Frank- prices. The Villas of Belleair is located at 620 lin St 8:00pm., Tampa. Tickets $15.00 or Non-Profits Offer Something New $13.00 in advance. For more information call Each Week at Gulfport Fresh Market. Belleair Road, Clearwater. For more infor(727) 398-5200 or go to www.ghosttour.com. Used books at low prices, tickets to a mation call Karen Karle at (727) 391-9999. charity dance, works of art in clay, and FEB. 9 energy-efficiency tips are just some of the offerings that will be available in the Afternoon Ballroom Dance MONDAY, WEDNESDAY, FRIDAY coming weeks at the Gulfport Tuesday Largo Community Center Fresh Market. Since the fall season, the Basics Computer Class For Seniors Enjoy an afternoon of dancing to the Market has been offering a free vendor Senior Citizens Services of big band sounds of the Ellis Hale Comspace each week to a community nonClearwater bo. Dress is casual. Refreshments are profit group. Over a dozen groups have sold at the event. Alcoholic beverages “Basics” class and topics include the participated so far, including dog rescue are not permitted. Purchase tickets at basics of the computer itself, how it groups offering pets for adoption, the door $5.00 per person. 1:30works, overview of the internet, email, groups representing the arts, environ3:30pm. how to use it, setting up your computer mental advocacy, and Gulfport history, Largo Community Center is located at as well as social service groups offering for personal favorites, keeping your 400 Alt Keene Rd. Call Warren Ankerberg ( computer healthy, networks & basic community outreach. 727) 518-3131. The Gulfport Tuesday Fresh Market is a computer trouble shooting. True beginyear-round open-air market held in Gulf- ners are highly encouraged to attend. FEB. 12 port’s Waterfront District on Beach Blvd. be- Course fee is $25.00. Senior Citizens Services of Clearwater is ST. Andrews Fine Arts Concert low 29th Ave. South. Market hours are 9am located at 1204 Rogers St., Clearwater . For Series to 3pm every Tuesday. registration and more information call (727) St. Andrews Presbyterian Church 442-8104. FEB. 15 The fine arts concerts series sponNatives For the Shaded Garden MONDAY sored by St Andrews presents ETA3 “ McGough Nature Park Flute, Clarinet & Piano”. Season tickSingles Pot Luck Lunch ets are $35.00 and are available at the Often times our yards are home to Pinellas Park Senior Center church reception desk. Tickets at the large, shady trees that provide many Join a happy, fun loving group of sedoor are $9.00. benefits to our families, but that also For more information call (813) 634-1252 may make it difficult to grow Florida na- nior singles for a pot luck lunch the last St Andrews 1239 Del Webb Blvd. West, Sun tive flowers and other plants. Join us as Monday of each month. $2.00 and no City Center, FL 33573. we discuss how to create a beautiful dues. Pinellas Senior Center is located at 7625 Florida landscape. Sponsored by Wilcox FEB. 12-20 59th St. N Pinellas Park, FL 33781. For more Nursery. information call Phillippa Wahl at (727) 2902012 Florida State Fair Mcgough Nature Park located at 111901 6066. 146th St. N Largo. For more information call Florida State Fairgrounds TUESDAY So much to do and see at the 2012 (727) 518-3047. da State Fair is “The Best Time Of The Year!”
Florida State Fair, February 9-20,2012! Fairgoers can enjoy the largest midway in the Southeast that features more than 100 rides. Free daily Shows and Attractions, of course a visit to the Florida State Fair isn’t complete without eating some Fair Food! Purchase Fair Admission Tickets and Ride Armbands online at www.FloridaStateFair.net For more information call 813-621-7821 or toll free at 1-800-345-FAIR(3247) The Flori-
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FEB. 19-29
Ybor City Architecture:Our Stories Ybor City Museum A special exhibit presents unique viewpoints on cigar factories, residences and buildings where everyday commerce and social gatherings took place, as well as the preservation efforts and evolution of the historic district that contributed to Ybor City’s unparalleled
Balloon Sculpting Workshop Largo Community Center Be the hit of the party and WOW your children and grandchildren by learning how to twist long balloons into wonderful creations like animals, flowers and table centerpieces! Call one week in advance to confirm attendance. Join anytime. Largo community center is located at 400
Alt Keene Rd. Call Warren Ankerberg ( 727) 518-3131. TUESDAY AND THURSDAY
“Beyond Basics” Computer Class For Seniors Senior Citizens Services of Clearwater “Beyond” class and topics cover email usage, software programs, features & benefits, how to safely surf the web, utilization of social networks, downloading photos and intermediate troubleshooting. Course fee is $25.00. Senior Citizens Services of Clearwater is located at 1204 Rogers St., Clearwater. For registration and more information call (727) 442-8104. TUESDAY AND FRIDAY
LET’S PLAY PINOCHLE! Senior Citizens Services of Clearwater Trick-taking, 48 cards, melds, bidding, tricks … the French invented the game, the Germans adopted the game & the Americans own it! Come and join our trick loving card group at Senior Citizens Services of Clearwater for an enthusiastic, competitive & fun card playing challenge. Free! Every Tuesday and/or Friday at 11:30 am sharp. Join a team or start your own, at the center, Senior Citizens Services of Clearwater, 1204 Rogers Street, Clearwater, Florida 33756 or call 727.442.8104 WEDNESDAY
Basics of Floral Arranging Largo Community Center This women only “Girls night out” will teach you how to create a beautiful fresh flower arrangement. Light hors d’ oeuvres will be served. Held the third Wednesday of the month. Largo Community Center is located at 400 Alt Keene Rd. $30.00 materials fee due the night of the class. For more information call Warren Ankerberg (727) 518-3131. THURSDAY
Hatha Yoga Largo Community Center Learn techniques that will allow you to improve flexibility, gain strength, promote relaxation and relieve stress. Join anytime. No class Feb. 20th. Instructor Jean Warf. 10:00-11:30am. Largo Community Center is located at 400 Alt Keene Rd. $30.00 materials fee due the night of the class. For more information call Warren Ankerberg (727) 518-3131. FRIDAY
Caricature Drawing Largo Community Center Come learn the art of caricature drawing with Dan Smith. Dan has been professionally creating caricatures for over 50 years and wants to teach you his craft.
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SENIOR HAPPENINGS Every Friday in Feb., 12:30-2:30pm. Largo Community Center is located at 400 Alt Keene Rd. The fee is $28.00/$35.00. For more information call Warren Ankerberg (727) 518-3131
Alt Keene Rd. The fee is $28.00-$35.00 Instructor Arleene Norman. For more information call Warren Ankerberg (727) 518-3131. SATURDAY
Pinawor Highland Recreation Complex
SATURDAY
Social Dance Largo Community Center Learn the basics of social dancing. This four week session will teach you the basics of the Waltz, Rumba, Foxtrot and the Cha Cha. Every Saturday in Feb. from 5:30-6:30pm. Largo Community Center is located at 400
Are you a writer or a would-be-writer looking for a place to share your words? PINAWOR is a great place for those just dipping their toes into the literary waters or authors polishing that great next novel. 9:30am-12:00pm. The Highland Recreation Complex is located at 400 Highland Ave, Largo. For more in-
formation call Susan Adger (727) 736-1026. SUNDAY
Bay Area Singles Dance Largo Community Center Since 1997, Bay Area Singles Dance has been the best place for area singles and friends to meet. Every Sunday approximately 150 singles of all ages join us. We offer an extensive music library to fit every taste. Dress to impress. Largo Community Center is located at 400 Alt Keene Rd. The fee is $8.00 6:00 to 10:00pm. For more information call Warren Ankerberg (727) 518-3131, or call (727) 453-6800.E
FRIDAY, FEBRUARY 24
Explore the Treasures of Your Life! Gus A. Stavros Institute The Pinellas Education Foundation is presenting a new event as part of its Seniors & Scholars program. The Senior Treasure EXPLOration is designed to help attendees uncover and investigate the treasures of their past and to make plans for the future. It’s an opportunity to assess one’s most important personal assets – health, belongings and family traditions. This unique showcase takes place Friday, February 24 from 10 a.m. to 2 p.m. at the Gus A. Stavros Institute located at 12100 Starkey Road in Largo. The Treasure EXPLOration is a comprehensive showcase of programs, companies and services that include helping individuals assess their physical well-being, the monetary value of their possessions and creative ways to leave a lasting legacy. Dale Smrekar, a certified appraiser of Downsizing Advisory Service, will offer antique and collectible appraisals. The cost is just $5 per item and all proceeds benefit the Pinellas Education Foundation to enhance and improve educational opportunities in Pinellas County Schools. In addition, Sharon Wilde from Scraps of Art, will give free greeting card classes which is a great way to get to know the joy and techniques of scrapbooking. A full list of exhibitors, workshops and experts include: •
Antique and Collectible Appraisal,
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Asset Evaluation and Documentation,
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Health and Lifestyle Advisors,
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Financial Advisors,
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De-cluttering and Downsizing Consultants,
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Moving Experts,
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Scrapbooking and
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Heritage Preservation
Email Your Senior Happenings to: Happenings@ Seniorvoiceamerica.com
The Deadline for the next issue is Feb. 15th.
Admission is free and no advance registration is necessary. Seminars include: • Create Your Legacy, Not a Mess by Michelle Passoff, author of LIGHTEN UP! Free Yourself From Clutter • Hidden Treasures in Your Home by Dale Smrekar of Downsizing Advisory Service • Retirement Investment Strategies by Steve Nordbeck of Achieva Credit Union • A Move Made Easy by Beth Warren of Welcome Home Relocation • Be Prepared: Easy Access to your Emergency and Medical Information by Karen S. Keaton and Barbara Hetrick of Living Will Registry • Seniors Preserving Memories by Sharon Wilde of Scraps of Art • You Don’t Have to Suffer with Painful Legs by Dr. Ed Glavey of St. Pete Vein Center • It’s Never Too Late: The Secrets of Creative Late Bloomers by Margo Hammond of Creative Late Bloomers • Genealogy: How to Get Started by Bob Bryan of Pinellas Genealogy Society Make plans now to take advantage of this special opportunity. FREE Admission, Workshops, Seminars and Great Advice from Great Exhibitors! For more information visit www.pinellaseducation.org.
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SENIOR VOICE AMERICA
FEBRUARY 2012
ENTERTAINMENT HAIRSPRAY
Show Palace Dinner Theatre January 6th – February 26th Hairspray delighted audiences by sweeping them away to 1960’s Baltimore, where the 50’s are out -- and change is in the air. Loveable plus-size heroine, Tracy Turnblad, has a passion for dancing, and wins a spot on the local TV dance program, “The Corny Collins Show.” Overnight she finds herself transformed from outsider to teen celebrity. Can a larger-than-life adolescent manage to vanquish the program’s reigning princess, integrate the television show, and find true love (singing and dancing all the while, of course!) without mussing her hair? Join the Show Palace for this big, fat musical comedy hit! Show Palace Dinner Theatre is located at 16128 US 19, Hudson. For more information visit www.showpalace.net or call 727-863-7949 SEVEN GUITARS
American Stage Jan. 21 to Feb. 26 In the atmosphere of World War II, musician Floyd Barton dreams of the big time. But as August Wilson’s play begins, his wife and friends mourn Barton’s death. Seven Guitars explores the central mystery of what happened and who killed Barton. American Stage is located at 163 Third St. N, St. Petersburg. For more information, visit www.americanstage.org or call (727) 823-7529. MEMPHIS
Ruth Eckerd Hall February 7-12 Set in the underground dance clubs of the segregated South and inspired by actual events, this compelling tale of forbidden love, personal sacrifice, smoldering racial tension, and a passion to change the world bursts onto the stage with explosive dancing and the irresistible music that heralded the birth of rock and roll. This four-time 2010 Tony Award® winner (including Best Musical) follows the journey of a white radio DJ and a black club singer ready for her big break. Get ready to experience Broadway’s most exciting new destination: MEMPHIS. Ruth Eckerd Hall is located at 1111 N. McMullen Booth Road, Clearwater. For more information, visit www. rutheckerdhall.com or call (727) 7917400. SUNSATION SHOW CHORUS
Pinellas Park Performing Arts Center February 12, 3 p.m. We roll out the red carpet to bring you the best Oscar-winning tunes. 78th
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Ave. Pinellas Park Performing Arts Center is located at 4951 78th Ave., Pinellas Park. For more information contact Sunsation Show Chorus at 727-541-4501 or go to www.sunsationshowchorus. com/ RACHMANINOFF’S PIANO CONCERTO NO. 2
Florida Orchestra February 17-19 Hailed as “a gigantic talent” by The Baltimore Sun, Valentina Lisitsa reveals the rapturous beauty and rhapsodic themes of one of the most popular of all romantic concertos, Rachmaninoff’s Piano Concerto No. 2...in a night with Nielsen’s Helios Overture and Sibelius’ Symphony No. 1. For more information contact the Florida Orchestra at 727.892.3337 or go to www.floridaorchestra.org. BAY AREA RENAISSANCE FESTIVAL
Museum of Science and Industry Ever weekend from February 18th thru April 1st! Highland Fling: Feb. 18th & 19th Wonders of the World: Feb. 25th & 26th Buccaneer Beer Fest: March 3rd & 4th Wine, Chocolate & Romance: March 10th & 11th Shamrocks & Shenanigans: March 17th & 18th High Seas Adventure: March 23rd, 24th & 25th German Invasion Halfway to Oktoberfest!: March 31st & April 1st Bay Area Renaissance Festival is located at 11315 N. 46th St., Tampa, FL 33617. For more information call: 813983-0111 or go to www.bayarearenaissancefest.com ELEANOR ROOSEVELT: A LIVING HISTORY
Tarpon Springs Performing Arts Center Sunday, February 19 at 2 pm This is My Story: Eleanor Roosevelt During the Great Depression Meet first lady Eleanor Roosevelt in 1937, during her husband’s second term as president, in the unfolding years of the New Deal. Scholar and actress Susan Marie Frontczak returns with Part 1 of the life of Eleanor Roosevelt. This fascinating one-hour incharacter monologue is followed by a question and answer period with Mrs. Roosevelt and then with Ms. Frontczak. Tarpon Springs Cultural Center is located at 101 S Pinellas Ave., Tarpon Springs. For more information, visit www.tarponarts.org or call (727) 9425605.
PAT BOONE: LIVE
Mahaffey Theatre February 21 Pat Boone: 50 Years of Hits...50 Million Records A multi-media, autobiographical, pop culture journey spanning 50 years of hits! Mahaffey Theater is located at 400 First St S, St. Petersburg. For more information, visit www.mahaffeytheater.com or call (727) 892-5798. TO KILL A MOCKING BIRD
Ruth Eckerd Hall February 21 @ 3:00 PM and 7:00 PM Atticus Finch, a lawyer in the Depression-era South, defends a black man against an undeserved rape charge, and his kids against prejudice. Director: Robert Mulligan Stars: Gregory Peck, John Megna and Frank Overton Ruth Eckerd Hall is located at 1111 N. McMullen Booth Road, Clearwater. For more information, visit www. rutheckerdhall.com or call (727) 7917400. LA CAGE AUX FOLLES
Straz Jr. Center for the Performing Arts Feb. 21-26 LA CAGE starring George Hamilton and Christopher Sieber tells the story of Georges (George Hamilton), the owner of a glitzy nightclub in lovely Saint-Tropez, and his partner Albin (Christopher Sieber), who moonlights as the glamorous chanteuse Zaza. When Georges’ son brings his fiancée’s conservative parents home to meet the flashy pair, the bonds of family are put to the test as the feather boas fly! LA CAGE is a tuneful and touching tale of one family’s struggle to stay together ... stay fabulous ... and above all else, stay true to themselves! 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. BOEING BOEING
Straz Jr. Center for the Performing Arts Feb 24 - May 6 A high style, knee-slapping romp through the age of glamorous, jet-setting air travel What seems to be the ultimate fantasy bachelor life, with intricately scheduled gorgeous flight attendants, turns out to be a dizzingly hilarious and over-the-top for one man, who finds out that one woman is all he can handle. The debonair Bernard, an architect living in Paris, is juggling relationships
with three vivacious flight attendants – each of whom believes she is his only girl. All goes well until his friend Robert arrives for a visit, and the airlines decide to change their schedules! Chaos and fun take off as Bernard’s clever plans unravel. The Boeing Boeing Tampa engagement is high-flying fun! Boeing Boeing recently enjoyed a successful Broadway revival with 279 performances. 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. DAVID WLADAVER’S OLD FASHIONED HOOTENANNY
Heritage Museum Saturday, February 25 at 7 pm Guitarist and singer Dave Wladaver leads the audience on a journey down memory lane with an old-fashioned sing-along, with folk hits like This Land Is Your Land, Michael Row The Boat Ashore, Scotch & Soda, If I Had A Hammer and more. Sing the oldiesbut-goodies, such as In The Still of the Night and Twilight Time. Song sheets provided. Heritage Museum, 100 Beekman Lane, Tarpon Springs, FL 34689. For more information, visit www.tarponarts.org or call (727) 942-5605. MAURICE HINES: COLE AND SINATRA WITH LOVE
Mahaffey Theatre March 6 First Class. Showman. Don’t miss Maurice Hines as he brings it all together in “Cole and Sinatra with Love.” A legend of both the dance floor and behind the microphone, see Hines deliver an unforgettable performance at the Mahaffey. 2.5 MINUTE RIDE Mahaffey Theater is located at 400 First St S, St. Petersburg. For more information, visit www.mahaffeytheater.com or call (727) 892-5798. TO KILL A MOCKINGBIRD
Stageworks Theatre March 8 - 25 A story that speaks to the very heart of American integrity. A tender portrait of a southern town, brimming with powerful lessons of tolerance, justice and quiet heroism and a message of fighting for what is right. 1961 Pulitzer Prize for fiction. Stageworks Theatre is located at 1120 E Kennedy Blvd., Tampa. For more information, visit stageworkstheatre.org or call (813) 251-8984. 2.5 MINUTE RIDE
American Stage March 16 thru May 6, 2012 It’s a startling and searingly funny meditation on how human beings make sense of tragedy, grief, and everyday
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ENTERTAINMENT life. Told with wit and compassion, 2.5 Minute Ride tells the story of a father who, in spite of near-blindness, diabetes, and a heart condition, insists on family trips to Cedar Point amusement park in Sandusky, Ohio, the roller coaster capital of the world. But this isn’t the only journey this daughter would take with her father … a German-born Jew who escaped Nazi Germany as a teenager only to return as an American soldier. Part testimonial, part performance art, Kron seeks to find the humanity in the crevices of human behavior. 2.5 Minute Ride has been described as “intravenous” – a work which goes directly into the mind and heart of the audience via the serum of a beguiling theatrical entertainment. American Stage is located at 163
Third St. N, St. Petersburg. For more information, visit www.americanstage.org or call (727) 823-7529. THE WHIPPING MAN (REGIONAL PREMIERE)
Gorilla Theatre March 15-April 1, 2012 Richmond, just after the Civil War. As three men — one white, two black — reunite to celebrate Passover, they uncover a tangle of secrets that might cost each man his freedom. Matt Lopez is a USF graduate now enjoying national recognition. Directed by James Rayfield. Gorilla Theatre is located at 4419 N. Hubert Ave, Tampa. For more information, visit www.gorillatheatre.com or call 813-879-2914.
Senior Voice America can be found at over 1,000 Bay Area locations, and Now also at... PINELLAS COUNTY
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HILLSBORO, PINELLAS AND PASCO COUNTIES
HILLSBORO AND PASCO COUNTIES
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FEBRUARY 2012
DOLLARS AND SENSE
There Are Options In Estate Planning By Joe Pippen Q. What are my options in estate planning? A. Everyone has three options in estate planning. Each option is discussed below.
OPTION I: DO NOTHING The most popular option is to put off long enough hoping the need to plan will go away. This is clearly the worst option, although 60-70 percent of Americans choose this option. If a person fails to plan their estate, the state they reside in plans it for them. Every state has written a Will for every person who fails to create their own. This is called a statutory Will. The statutory Will that the state creates for you decides how your estate will be distributed and who will be named your personal representative. The state also decides who the guardian of minor children will be and makes many decisions that individuals should make for themselves. Is it not strange that a person spends a lifetime accumulating assets but fails to spend a few minutes planning on what should happen to those assets upon their death? The option of not doing anything always reminds me of the story of the lady who woke me up on a Saturday morning and asked if I would come to the hospital to help her with her estate plan. She was very pleased that I would and told me that she would call back because she was “not sick enough to do her Will now.” She died about four months later never having been sick enough to do her Will.
OPTION II: WILL The second option in estate planning is to have a Will. The positive aspects of having a Will are that Wills are inexpensive (approximately $50). You name the personal representative to handle your estate and you decide how the estate will be distributed. These are very positive things that everyone should take advantage of. However, there are four negative things about just having a Will: 1. All Wills go through probate with the average fee being anywhere from three to ten percent in attorney fees. 2. The probate process continues anywhere from six to twelve months or longer, which means that your loved ones are entangled in a long, drawn out court process long after your death. 3. Wills do not plan for incapacity, and if you only have a Will and become
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incapacitated, you will probably be declared incompetent and become a ward of the court. Guardianship proceeding are very expensive and costly with an annual expense. 4. Wills are a public document upon death. Anyone can purchase a copy of a Will for a dollar or two per page. Anyone looking for distressed property will search public records including foreclosure files, bankruptcy files, divorce files, and even probate files. Planning your estate with a Will offers very little privacy.
OPTION III: LIVING TRUST The Living Trust is in my opinion the best option in estate planning. The common myths and excuses not to do a Trust are not true. For example, many people believe you need a large estate before you consider a Trust. I recommend a Living Trust to anyone whose total estate is over $75,000.00. Seventyfive thousand dollars is the level at which the court requires a formal probate. Another myth is that real estate cannot be transferred to the Trust, and if the homestead is transferred to the Trust the exemption is lost. Any real estate can be transferred to the Trust, and the homestead will not be lost. The biggest misconception about a Trust is that you have lost control of your assets if you place them into a Trust. You are the Grantor (the person who creates the Trust) and the Trustee (the person who manages the Trust), and the Trust is all for your benefit with no loss of control. Trusts also do not require a special tax number, as you use your social security number. The advantages of the Living Trust are that you avoid probate because the assets are in the Living Trust (not in the name of the deceased person); your assets can be distributed quickly to your beneficiaries; you have provided a guardianship plan; and it is a private document. Living Trusts have been recommended in every major consumer publication for the past several years because of the advantages mentionedabove. For a copy of Attorney Pippen’s book Ask an Attorney All About Florida Law, please send a check in the amount of $24.00 to Attorney Joe Pippen at P.O. Box 10005, Largo, Florida 33773
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LIVING
Make Your Move with a Senior Move Manager! By Barbara and Jay Marshall, Senior Move Managers, Owners, House to Home Relocation, LLC, St. Petersburg, Florida A young mother called about our downsizing and moving services and said “I know you specialize in assisting older people, but I need help!” She’d heard how senior move managers take a start to finish approach with a focus on moving people, not just their things. Overwhelmed by an accumulation of kids projects and outgrown toys along with physical limitations due to recent surgery, this 30-something Mom was in need of an extra set of hands and a partner in the process of making de-cluttering decisions. While we do help people of all ages relocate, this young woman’s call made me think about what it means to be a senior move manager and what makes our services especially desirable for older adults.
What’s a “Senior Move Manager”? If the job title is unfamiliar, you are not alone. A small but fast growing profession, there are over 600 of us throughout the United States and Canada. Our professional development has been guided by the National Association of Senior Move Managers (www.nasmm.org) and senior business educators like Lifelines Academy & Network (www.lifelinesacademy.com). Members are committed to developing expertise on age-related issues so that we are equipped to address the physical and emotional aspects of moving later in life. The reality is that when older adults move, it is often to a smaller home or assisted living apartment; that means letting go of possessions that represent memories. Some clients are suffering from the death of a spouse, or are facing loss of independence due to a medical condition. Even if excited about “right-sizing” to a better suited living environment, change is stressful and moves are laborious. A caring, dedicated expert can make a huge difference during such a significant transition.
How is a senior move manager different from a moving company? The typical moving company moves your belongings. Senior Move Managers do so much more! Services include:
Downsizing and Moving Services • • • • • • •
Manage, plan, schedule all aspects of move Create new floor plan with attention to safety and ambiance Arrange sale, auction and donation of personal belongings, shipping items to family members or friends Pack items for transfer to new residence Get estimates from reputable movers Oversee move day Unpack, set up and put away everything in new home, including electronics and computer, make bed, hang pictures and art
Organizing and sorting
• Collaborative, guided sorting through a lifetime of accumulated treasures • Organize essentials like documents and photos • Paper sorting and filing
Project Coordination
• Coordinate the roles played by: the children, grandchildren, siblings, neighbors, new community representatives, painter, moving truck company, cable guy and utility company – among others!
Resource Guide
• Connect you to resources in new community • Identify qualified service providers to meet ongoing needs (home care, meal delivery, medical equipment providers, elder law attorneys, etc.) We are your partner in all phases of the process, helping you make decisions. We are trained to minimize stress, avoid physical injury, preserve memories, sooth emotions and welcome you to a ready-to-live-in home. Once the mover places furniture and boxes in a client’s new residence, our job is to unpack everything and recreate as similar a surrounding as possible. So at the end of the day, a client can sit in his or her favorite chair with TV remote and best books close by, photos familiarly placed and hung. Through training and experience, senior move manages learn to recognize transfer trauma suffered by older adults who are relocating after many years in the same living environment. We know about products that enhance safety and familiarity. We have studied the signs of dementia and are attuned to the needs of people with memory impairments, such as preserving memories while downsizing. The truth is that there are unique aspects of moving later in life that require specialized services; and senior move managers, also known as “Senior Transition Specialists”, are the experts you can rely upon to make your move manageable – if not enjoyable. House to Home Relocation provides a positive experience for older adults who are making a move later in life. There every step of the way, the company offers packing, unpacking, shipping, estate liquidation, space planning and new home set up for a turnkey move. Contact Barbara and Jay to arrange for a complimentary consultation! www.hthrelocation.com, telephone 727-388-2651. Serving the Greater Tampa Bay Area.
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FEBRUARY 2012
LIVING
Feeling Good by Doing Good
©bigstockphoto.com
Volunteering benefits everyone involved
All across the country ordinary people are serving their neighbors and communities by volunteering – and it’s making a big difference in the lives of the most vulnerable. In 2010, 62.8 million adults volunteered for almost 8.1 billion hours in local and national organizations, according to Volunteering in America. This service is valued at nearly $173 billion. When you volunteer, your time and effort not only helps others, but can actually benefit you in tangible ways. Studies have shown that adults who volunteer one to two hours a week have: • Lower mortality rates. • Greater functional ability. • Lower rates of depression. Volunteer activities strengthen social connections, which protects people from a sense of isolation during hard times. And helping others not only expands your own horizons, it can make you feel better about yourself.
What Can You Do? There are many ways you can volunteer. Some of the most popular ways, according to Volunteering in America, include: • Mentoring or tutoring youth. • Helping raise money or selling items to raise money for an organization. • Collecting, preparing, distributing or serving food. • Providing general labor or transportation. You can find volunteering opportunities through your local house of worship, community center, workplace or school. You can search online at sites such as www.volunteeringinamerica.gov and www.volunteermatch.org, as well. There are also opportunities in some surprising places. ForestersTM, a life insurance provider committed to the wellbeing of families, gives members the opportunity to volunteer in their com-
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munities through partnerships with organizations such as KaBOOM!, helping to build playgrounds in some of North America’s toughest and poorest neighborhoods. Other key partnerships providing volunteer opportunities are with Ronald McDonald House Charities and the Children’s Miracle Network Hospitals Radiothon program, raising funds to support 170 children’s hospitals throughout North America. Learn more at www.foresters.com/community.
Tips for Becoming a Volunteer If you would like to volunteer but aren’t sure how to get started, here are some tips to consider: • Go with your strengths. If you have some specialized skills, such as teaching, cooking or sewing, look for places that could use those skills. Keep your own personality in mind, too – if you’re an introvert that gets worn out by crowds, don’t offer to be the greeter at a big event or the emcee at a banquet. • Think about your availability. There are different levels of commitment for different types of volunteer activities. Mentoring or tutoring requires a regular, rather intensive commitment, while serving at a charity race is a much shorter-term commitment. • Volunteer with friends or family. Volunteering with others is a great way to strengthen your relationships and help others at the same time. Consider opportunities suitable for parents and children, a husband and wife, or even a small group of friends to take on together. No matter where you decide to serve, as a volunteer you’ll feel good knowing that you’re doing good right in your own back yard. Foresterstm is the trade name and a trademark of The Independent Order of Foresters, 789 Don Mills Road, Toronto, Canada M3C 1T9; its subsidiaries are licensed to use this mark. Forestersmemberbenefitsarenon-contractual,subjecttoeligibility requirements and limitations and may be changed or cancelled without notice. For details, visit www.foresters.com.
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DOLLARS AND SENSE
Changes in Store for Social Security in 2012 If you are retired and currently collecting Social Security I am happy to share with you some good news. For those of you that are still working, you will be able to earn a little more money without the offset affecting you and any collecting their benefits will be seeing a COLA increase for 2012 and. When you work during retirement while collecting Social Security benefits and are under the full retirement age, generally 66, you normally have to forfeit some of your benefits. The current formula says that for every $2 you earn above the threshold of $14,160 ($1,180 a month), you must forfeit $1 in benefits. There is an increase in the amount you are able to earn without this offset. For the year that will begin on January 1, 2012, you’ll be able to earn up to $14,640 ($1,220 a month) before you have to forfeit benefits. Not a big increase but at least we are moving in the right direction. This change only affects individuals that are receiving Social Security benefits but have not yet reached full retirement age. There is other good news as well; it looks like Social Security beneficiaries will finally see an increase due to inflation. There is a project 3.6% increase in the monthly benefit scheduled for 2012. Other changes are scheduled to occur in 2012 to help provide more funds to the Social Security Trust account and therefore help with its solvency issues. The agency raised the maximum amount of a worker’s wages that will be subject to Social Security tax, effectively raising taxes on work-
ing people. They also increased the amount a worker must earn in order to qualify for a credit – also known as a “quarter” of coverage – on his or her Social Security account. If you’re self-employed, you also must pay Social Security tax if your net earnings from self- employment total $400 or more for the year. About 16.8 million people are self-employed and pay in to Social Security. The self-employed generally must pay both the employee’s share and the employer’s share of Social Security tax. For 2011, the combined Social Security tax rate for the self-employed is 10.4%. For 2012, it is scheduled to jump to 12.4%. We can expect other changes to announce shortly. The Congressional “Super Committee” is taxed with finding ways to cut our country’s deficit and there is little doubt that they will want to make changes to our entitlement programs. As I learn about these proposed changes I will share them with you. For now the good news is that many of you will be seeing a slight increase in your income from social security next year. For a complimentary tax review of your IRA and to learn ways to reduce your taxes or the taxation on your beneficiaries, or if you’re looking for safer alternatives for increasing your income during retirement, please call our office at 800-989-1427. We have convenient offices in Largo, Dunedin, Trinity and Tampa. You worked hard for your money. Protect it so that it is there when you need it.
Securities offered through Trustmont Financial Group, Inc.Member FINRA/SIPC / 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.
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HOME
Simple Tricks to Refresh Your Home Staying indoors so much during the winter months can create clutter and mess around the house. But you can wake up and spruce up a tired-looking home with a few simple cleaning and organizing routines. Here are some tips and tricks for making your home springclean right now, one room at a time.
Living Room • Window blinds collect dust and dust mites all winter. To clean plastic blinds, add Greased Lightning to tub water. Remove blinds and let them soak in the tub. Clean them with a well-bristled brush, then let them dry and rehang them. • Remove fabric window coverings and clean as needed. Use a feather duster around window frames to remove cobwebs and dust. • Freshen up carpets by sprinkling baking soda on them, letting it sit for 30 minutes, then vacuuming.
Open: M-F 8am to 4pm
manual for an estimated cleaning time. If your oven is not a self-cleaning appliance, use the cleaning solution to wipe away baked on grease and grime. Remember to make sure the oven is cool before applying the solution. • Don’t forget to clean your dishwasher, too. Remove trapped food particles from the bottom and around any moving parts. Pour a cup of vinegar into the empty dishwasher and run it to clean the inside.
Bedrooms • Launder bed linens — including dust ruffles, bedspreads and pillow shams. • Move furniture around so you can vacuum underneath and get rid of any dust bunnies that might have accumulated. • Now’s a great time to clean out clothes closets. Empty closets to vacuum and dust inside. Then, before putting clothes back, sort through them and get rid of those items that no longer fit or that you don’t wear anymore. • Clean blinds, light fixtures and ceiling fans. Wipe smudges off of light switch covers and door frames, too.
EQUAL HOUSING OPPORTUNITY
©bigstockphoto.com
• Use an adhesive lint roller to get the dust off of fabric lampshades. • Try a new furniture arrangement to freshen up the look of the room. When you need to move heavy pieces of furniture across uncarpeted floors, fold two clean towels, put one under each end of the furniture piece, then slide it across the floor.
©bigstockphoto.com
Kitchen
Bathroom
• Clean out the refrigerator and freezer, making sure to get rid of all expired products and old leftovers. Remove shelving and drawers and wipe them down using mild soapy water. • Tackle your oven, inside and out. If your oven is self-cleaning, set it in the self-cleaning mode. Consult your
• Wipe down and disinfect all fixtures. Remember lighting fixtures, too. Carefully remove glass fixtures and clean with warm, soapy water. Let them dry thoroughly before reattaching. • Sort through products and discard or recycle old bottles and containers. Get rid of excess clutter in your bathroom cabinets. • You can use Greased Lightning to remove grease, grime, mildew stains and soap scum from your bathroom surfaces, including tubs, sinks, toilets, counters and baseboards. To get additional tips to spruce up your home, as well as coupons from Greased Lightning, Like them on Facebook, or visit www.glcleans.com.
©bigstockphoto.com
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OCCASSIONS
Sweet and Savory Valentine Bites Whether you’re hosting a festive Valentine’s Day party, or entertaining just for two, these recipes give you some sweet and savory choices that will set the mood for romance. Scrumptious bites start with simple, flavorful ingredients — golden Calimyrna and dark purple Mission figs from California and Jarlsberg cheese. Sweet, mouthwatering figs are not only packed with great taste, they’re full of fiber and essential nutrients, making them as good for you as they are good to eat. The versatile taste and texture of Jarlsberg cheese is ideal for these appetizers. Jarlsberg’s mild, nutty-sweet flavor and buttery creaminess makes it a perfect partner to figs and, along with its excellent melting properties, adaptable to many sweet or savory dishes. You can combine both ingredients in one easy sure-to-please appetizer: Make a slit in a fig and stuff with a piece of Jarlsberg. Wrap with partiallycooked bacon (it should be a bit limp) and heat at 400°F just until bacon is crispy and cheese begins to melt.
Savory Jarlsberg Thumbprints with Fig-Pepper Jelly Makes 40 cookies: Heat oil over medium heat in a large stock pot. When hot, add the onion, Poblano and garlic. Sweat until onions are translucent. Add ground meat and stir to break it up. When meat is completely brown, drain and return to heat. Add dried seasonings and stir to combine. Add tomato paste, stir to combine and allow it to cook for 5 minutes. Add all of the rest of the ingredients and simmer for 30 minutes. Taste to see if you need any more salt. For a thicker version (for hot dogs, chili burgers, etc.), omit the chicken stock. Ingredients: 3 tablespoons canola oil 4 cups chopped yellow onion 2 large Poblano chilis, diced 3 tablespoons minced garlic 5 pounds ground meat 2 tablespoons kosher salt 2 teaspoons black pepper 1 1/2 tablespoons ground cumin 2 tablespoons Mexican oregano 1 1/2 tablespoons onion powder 3 tablespoons paprika 8 tablespoons chili powder 2 12-ounce cans tomato paste 28 ounces Wholly Salsa (spiciness depends on you) 3 quarts chicken stock 2 tablespoons Tabasco Directions: • Preheat oven to 350°F. • Place butter in large bowl. Beat with electric mixer on medium speed until creamy. Beat in egg yolks. On low speed, gradually beat in flour. Stir in Jarlsberg, Parmesan and nuts. • Divide dough into 4 equal portions. Wrap 3 in wax paper or plastic wrap and chill. On work surface, form remaining portion of dough into 10 (1 1/2-inch) balls. • Place balls, 1 1/2 inches apart, on ungreased baking sheet. With thumb or back of wooden spoon, make 1/2-inch indentation in center of each cookie. Bake for 15 to 20 minutes or until light golden brown. If needed, press back of teaspoon into cookies to re-form indentations. Remove cookies to wire rack to cool. • Repeat shaping and baking with remaining dough. • To serve, in small bowl, stir together figs and jelly. Fill each cookie with about 1 teaspoon fig-pepper jelly. Make ahead note: Dough can be prepared 1 to 2 days ahead. Form dough into 1 1/2inch cylinder, wrap airtight and chill or freeze for longer storage. Baked cookies can be stored unfilled, in airtight container for 2 days or frozen. To re-crisp, place on baking sheet in 350°F oven for 2 to 4 minutes. Cool. Fill with fig-pepper jelly as directed. Get more sweet and savory recipes at www.ValleyFig.com and www.JarlsbergUSA.com.
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BEREAVEMENT
ge 19.
The Practical Side of Grief
Fear of the future “Am I going to be OK, will I survive?”
©bigstockphoto.com
“Will our family be able to cope?” “Will my life ever be normal again?” “Am I grieving too little or too much?” “What if other family members die?” “Will I have this anger and anxiety for the rest of my life?” As in any of the other emotions and feelings you are experiencing fear may be a small role in your grief journey or it may be come a large part of it. Face fear, recognize it, and identify what you are fearful of then express it by talking about it to your support person, the one you can trust, who is not judgmental and a good listener. Write it in your journal-list the things that are bothering you and why; try to take action on the fears you can control and know the fears that you can’t control as you may be powerless over those; cope with those by turning to your faith, do breathing exercises, use the resources that has help you in the past; don’t be embarrassed or avoid these emotions.
By Carole McLeod, Certified Facilitator As you travel through your grief journey you will find that in addition to other feelings and emotions fear and anxiety may be a constant part of the grieving experience. Even the simple things in life can be frightening. Your belief system can be challenged, even simply eating and sleeping can be different and you can feel vulnerable, and wonder how everything can change in a brief period of time. Fear can come in at least in three different experiences:
Fear of being alone Keep a routine and lessen your stress. You can help by keeping as organized as you possibly can. Establish a flexible schedule: go to bed the same time of day, awakening at the same time in the morning. Take care of your personal hygiene by showering or bathing the same time of day including brushing teeth, ladies remove makeup, plan what you will wear the next day. It is important that you get into a habit of doing these things so that you save yourself lots of stress Keep your car, home, office keys in the same place so you don’t have to stress out if you can’t find them. Making a separate pair for emergencies can also help. • Ladies, keep your purse in the same place at home or at work • Gentlemen, keep your wallet, money clip, etc. in the same place. • Have the police or sheriff’s office give your home a security check; then fix whatever they have recommended. • At night lock your doors and secure your home the same way each day; turn the lights that you want to leave on, pulling the shades down. Make sure you start at the same place every night so that you don’t doubt yourself, “did I lock the back door?” and have to get out of bed again and again just to check yourself. Do the same thing when you leave the house, put whatever you have to take with you (mail, list, dry cleaning, etc.) near the door so you can pick it up and have it with you when you lock the door.
Financial fear Don’t make any big decisions for at least a year, such as financial changes, selling your home, moving or down sizing you home, or changing your job unless it is monetarily necessary. Create a file and calendar for “bills to be paid”.Keep your check book in the same place, desk, drawer, file or purse; and file your financial papers, deeds, insurance, will, and other important papers as soon as possible; this will enable you to be more organized. Make a list of what needs to be done with paperwork, such as filing for VA benefits, Social Security, pensions, and insurance. As soon as you feel up to it contact an attorney to organize those important personal papers: a new will (if necessary), durable POA,Living Will, Health Care Surrogate, and check the named beneficiary on insurance policies including life, auto, and home policies to make sure the person you want as beneficiary is on those papers. Some final thoughts: start making a list of all the things you need or want to accomplish, thank you notes from the funeral, paper work for benefits, taking care of personal affects and any other responsibilities. Let the first list be a master list, then make smaller daily list that you need to do that week or that day. Don’t try to do everything at once, it’s too overwhelming and you might find yourself going in circles and feeling hopeless. Go slow, be patient and honest with yourself, do not let all of these responsibilities and emotions control your life. You need to reclaim your secure feelings. All of the above suggestions are to help you empower yourself to cope not only the feelings and emotions that go with you on your grief journey but not experience so much stress that you endanger yourself physically. There is one person who can take care of you better than anyone and that’s you. You honor your loved one’s life by continuing the task of taking care of yourself and the family responsibilities.
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SENIOR GOURMET
Game On!
Tips and recipes for a game-day party With You know watching a game is more fun with a bunch of friends — so why not host a game-day party so everyone can cheer on the home team together? Use these tips and recipes as your playbook for a game-day party that scores big on taste and fun.
Chili Champs
NOW
LISTEN
5 DAYS A WEEK
• Let guests get in on the food fun by hosting a chili cook-off as part of the party. Invite everyone to bring their favorite chili to compete for bragging rights. Offer fun awards for “Hottest,” “Best Tasting” and “Most Creative Ingredients.” You can also have awards for “Best Named Chili” and encourage fun names like “Devil’s Breath Chili” and “Buzzard’s Beak Beef ’n Beans.” • Set up a toppings bar so everyone can load up on their favorite add ins. Include different kinds of cheeses, peppers, onions, guacamole, salsa, queso and sour cream. Have some crackers and corn bread, too — they’re easy items for non-chili cookers to bring.
From
Dip Tips
Dips are must-have munchies for hungry fans. And there are plenty of ways you can keep them satisfied: • Keep it simple — Pick up some ready-to-eat dips such as Wholly Guacamole and Spicy Wholly Salsa. Made with 100 percent natural ingredients, these dips bring great taste to the game-day table — with no fuss from you. • Make it hearty — Feed the frenzy with a hearty Seven Layer Dip and plenty of chips. You can make it the day before and set it out about 30 minutes before kickoff to bring it up to room temperature. • Shake things up — Step up your game by setting out a wide variety of dippers. Have different types of chips like blue corn, sweet potato and salt and vinegar. Get flavored crackers, pita chips and a veggie tray, too. • Make it fancy — Dress things up a bit with cherry tomatoes stuffed with guacamole, or a warm and savory crab dip.
Party Pizzas
1 to 2 PM on 1250AM WHNZ with Your Host
Evan Gold
• Scratch delivery and frozen pizzas from your playbook. Try a fresh and easy homemade pizza like the California Confetti Pizza. Cut it up into appetizer sized bites to make it even easier to eat. • Set up a pizza bar with heat-and-eat crusts in full and mini sizes that can be piled up with everyone’s toppings of choice. Then, pop them under the broiler or on the grill for a few minutes for quick, customized pizzas.
Wholly Chili Heat oil over medium heat in a large stock pot. When hot, add the onion, Poblano and garlic. Sweat until onions are translucent. Add ground meat and stir to break it up. When meat is completely brown, drain and return to heat. Add dried seasonings and stir to combine. Add tomato paste, stir to combine and allow it to cook for 5 minutes. Add all of the rest of the ingredients and simmer for 30 minutes. Taste to see if you need any more salt. For a thicker version (for hot dogs, chili burgers, etc.), omit the chicken stock. Ingredients: 3 tablespoons canola oil 4 cups chopped yellow onion 2 large Poblano chilis, diced 3 tablespoons minced garlic 5 pounds ground meat 2 tablespoons kosher salt 2 teaspoons black pepper 1 1/2 tablespoons ground cumin 2 tablespoons Mexican oregano 1 1/2 tablespoons onion powder 3 tablespoons paprika 8 tablespoons chili powder 2 12-ounce cans tomato paste 28 ounces Wholly Salsa (spiciness depends on you) 3 quarts chicken stock 2 tablespoons Tabasco
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For more great game-day recipes, visit www.eatwholly.com.
Seven Layer Dip
California Confetti Pizza
Mix refried beans and bean dip together and spread onto the bottom of a 9 x 13-inch pan. Next, mix sour cream (or yogurt) together with taco seasoning and cumin. Spread on top of the beans in the pan. Spread guacamole on top of the previous layers then add olives, green onion and tomatoes. Top with the shredded cheese and serve with your favorite chips.
Brush pizza bread shell with olive oil. Spread salsa over shell. Spread guacamole over salsa. Sprinkle corn, green onions, Anaheim chile, bell pepper, cheese and oregano on top. Drizzle with 1 tablespoon olive oil. Bake at 450°F until cheese is lightly browned, about 10 minutes.
Ingredients: 16-ounce can non-fat refried beans 9-ounce can bean dip 7-ounce packages Wholly Guacamole Classic, Spicy or one of each 16-ounce container light sour cream (can substitute plain Greek yogurt) 3/4 package taco seasoning 1/4 teaspoon ground cumin Small can sliced black olives Large diced tomato 3 green onions, fined chopped 1 cup shredded cheddar cheese
Ingredients: 4 ounces Wholly Guacamole 1 12-inch purchased, baked pizza bread shell 1 tablespoon olive oil 1/2 cup corn kernels, fresh or canned 1/2 cup Wholly Salsa (amount of heat depends on you) 1/2 cup thinly sliced green onions 1/4 cup chopped Anaheim chile 1/4 cup red bell pepper 1 cup Feta cheese 1 tablespoon chopped, fresh oregano
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SENIOR VOICE AMERICA
FEBRUARY 2012
WINTER AUTO TRAVEL
Be Safe. Be Sure.
Car tips for your winter trip
Top 5 Auto Insurance Tips
Senior Voice America
can be found at over 1,000 Bay Area locations, and Now also at...
• Confirm your car insurance is active and premiums are up-to-date. Have a current copy of your insurance card in the car. • Select liability limits that are appropriate to your financial circumstances. If you are found to be atfault in an accident and purchased insufficient limits, your personal assets are at risk for the remaining financial obligation. • If renting a car for the trip, check your policy to see if it includes coverage. Verify potential coverage limitations, and make sure you are not duplicating benefits from your existing insurance policies. • Verify your homeowners or renters insurance covers the theft of personal items from a car. • Check if your policy includes roadside assistance. If you are unclear about your car insurance coverage or would like to learn how to lower car insurance costs, visit www.InsureUonline.org or contact your state insurance commissioner. Find your state commissioner at www.naic.org.
Rental Insurance — Do You Need It?
HILLSBORO, PINELLAS AND PASCO COUNTIES PINELLAS COUNTY
Car rental companies typically offer these products at the counter. Check to see if they duplicate existing coverage before purchasing. •
HILLSBORO AND PASCO COUNTIES
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Collision Damage Waiver (CDW)
©bigstockphoto.com
Before you hit the road this winter, make sure your car and car insurance are ready for the journey. Planning ahead can help avoid mishaps that could ruin your vacation. According to an April 2011 survey released by the National Association of Insurance Commissioners (NAIC), 40 percent of Americans incorrectly believe their car insurance will cover the replacement of personal items stolen from their vehicle. “The truth is, these items must be covered by your homeowners or renters insurance policy to be reimbursed if they are stolen or damaged,” NAIC president Susan E. Voss said. One-third of Americans also believe their auto insurance covers a rental car, according to the NAIC survey. The NAIC recommends checking with your insurance agent to make sure you have adequate car insurance when driving a rental. is also referred to as a Loss Damage Waiver (LDW). If you have comprehensive and collision coverage on your own car, you will likely not need this additional protection. Collision insurance covers the cost of repairs or the actual cash value of the vehicle, if damaged in a crash or rollover. • Liability Insurance covers medical expenses and damages to another person’s property as a result of a car accident caused by the insured’s negligence. If you are adequately insured on your own car, you may consider forgoing this. • Personal Accident Insurance offers coverage to the renter and passengers for medical bills resulting from a car crash. If you have adequate health insurance and disability income insurance, or are covered by personal injury protection under your own car insurance, you will likely not need this additional insurance. • Personal Effects Coverage provides for the theft of personal items inside the rental car. If you have a homeowners or renters insurance policy, it generally covers this already. If you frequently travel with expensive jewelry or sports equipment, it may be more cost-effective to purchase a floater under your home or renters insurance policies so the items are fully protected when you travel.
1/23/12 2:35 PM
FEBRUARY 2012
SENIOR VOICE AMERICA
PAGE 29
SENIOR VOICE RECIPE CHALLENGE As people who have had a few years practice at cooking and eating…Tampa Bay’s Boomer and Senior crowd really can cook! Have you submitted your favorite recipe yet? You could be our next WINNER!
This Month’s Recipe Challenge will get us ready for St. Patrick’s Day! We’re looking for Green Recipes or Irish Food Recipes. Well lads and lasses… top of the morning to you! Next month we see the 17th on the calendar and instantly see GREEN. We think of the standards… green beer, corned beef and cabbage. But there are many other foods that we cook when we wear the KISS ME I’M IRISH T-shirts. Irish Lamb Stew, Champ potato cakes with salmon, Soda Bread, mutton. Then there are always those good old fashion Irish drinks besides beer; Irish whiskey, Irish Cream, do you have any favorites? Come March 17th, we all have a little Irish in us, so breakout the reci©bigstockphoto.com pe box or the computer files for your favorite salad, and share it with your friends at Senior Voice America. Great food is a thing of beauty. And the best recipe in the world is one you get to share! So send in your favorite recipe you know will make the world a better place. Our staff will prepare them in the Senior Voice America kitchen and select the top two and announce the winners in the March issue. Each winner will receive two vouchers for tickets to a Florida Orchestra performance of their choice, and have their recipe published in the March issue in time for others to enjoy his winter.
January’s “Salad as The Main Course” Recipe Challenge Winners! Congratulations to our recipe challenge Winners. This was one we all could use! After over indulging over the holidays, having salads for dinner was a good idea. Our two winners are each receiving two vouchers for the Florida Orchestra performance of their choice.
Submitted by Ada Pezzetti, Largo FL Ingredients: 2 double or (4 single) Chicken Breasts, poached 1 cup of grapes cut into thirds ½ cup sliced celery 1 tsp. curry powder (or to taste) ½ cup mayonnaise ¾ cup unsweetened apple sauce 1 chopped apple 2 TBS chopped chives 1 cup Chopped walnuts (may substitute pecans) Salt and pepper to taste Directions: Slowly poach chicken breasts in pan with 2 cups of water until fully cooked. Drain and when cool, cut into ½ inch pieces and place in a large bowl. Add grapes, celery, apple, chives and nuts. (You may also use dried cranberries) Gently fold in mayo and apple sauce. Add Salt and pepper. Chill. Serve alone or on a bed of lettuce. Serves 4
©bigstockphoto.com
Ada’s Saucy Chicken Salad
Nancy’s 5 Cup Salad Submitted by Nancy Bennett, Melbourne, FL Ingredients: 1 cup mandarin oranges 1 cup Sour Cream 1 cup shredded coconut 1 cup miniature marshmallows 1 cup chopped nuts (almonds, pecans or walnuts) Directions: Mix, chill and serve! It doesn’t get much easier! You may add or substitute chopped pineapple and/or dried cherries
Send your recipe to: Senior Gourmet, PO Box 270 Lutz, FL 33559 Recipe will not be returned. There will be two monthly Senior Voice Recipe Challenge winners. Winning prizes are subject to change. Senior Voice America, Inc., reserves the right to reprint the recipe without compensation to the individual submitter. Submission of the recipe signifies you are the owner of the recipe and that it is not copyright protected and gives Senior Voice America, Inc., permission to reprint.
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NOW MONDAY THRU FRIDAY 1 to 2 PM WITH YOUR HOST EVAN GOLD
1/23/12 2:35 PM
PAGE 30
SENIOR VOICE AMERICA
FEBRUARY 2012
SENIOR TO SENIOR Senior to Senior Abbreviations
WOMAN SEEKING MAN Seeking friend, companionship and maybe more. I enjoy flea markets, country music festivals and quiet evenings. Down to earth lady, I am sincere and attend church. 62 NS occasional SD Medium build. St. Pete (727) 521-1045.
M: F: S: D: WD: W: B: H: J:
S H NS Slim lady 64 5’3 120lbs. ISO S M NS 60 to 65, healthy and fit who likes dancing, traveling, movies and dinning in or out. Friendship first. Tampa (813) 389-2079.
(727) 389-3125.
FRIEND TO FRIEND
MAN SEEKING WOMAN
Senior to Senior™ PO Box 270 Lutz, FL 33548 Email: sr2sr@seniorvoiceamerica.com Fax: (813) 433-5181
I am a:
Lady
Gentleman
©bigstockphoto.com
Looking for someone who likes music, boat rides, sunsets, car racing & movies. NS ND friendship or more. Lutz (813) 447-5095. W WD S C M NS, 65 6’0 195lbs. I am handsome and fit. I like tennis and church. ISO Christian who likes music and dancing. Largo (727) 519-5597. Still active in business, love sports. I like the theater, movies and fine restaurants. I want a woman to share this with. No phony’s please. Brandon (813) 399-6928 or (813) 785-3272. D 68 ISO LTR With honest woman. Age and looks not important. Financially secure and house is a plus. I will love and respect you. I have lots of love to give and am very active. St Pete (727) 498-6995.
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.
EMAIL: sr2sr@seniorvoiceamerica.com
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Friendly man 55, seeks a good friend female or male. I enjoy good conversation, lively music and tasteful dining. I am a good compassionate man and seek similar in a friend. Largo (727) 539-1715.
Honest LTR. Zephyrhills (234) 380-0752.
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:
NS: ND: SD: SOH:
Christian In Search Of Long Term Relationship Non-Smoker Non-Drinker Social Drinker Sense of Humor
Roily Poly fat guy seeks good writer under 60, 5’6 or less, NS ND for LTR. Port Richey
Slim, attractive, affectionate WD W F seeks gentleman friend 75+ for dining, travel, dancing, having fun and caring about each other. PO Box 7805, St. Pete FL 33734.
D S M W C 67 5’8 212lbs. Love church, singing. Blessed with good health, laid a fleece.
C: ISO: LTR:
ing, shooting pool. ISO S W F under 55. Good looking NS financially stable LTR. I’m broke but honest. Safety Harbor (727) 796-8756.
Looking for a “First dude” last one too! LTR objective. Cute slender senior would like 65 to 75 year old gentleman to discover our future. Largo (727) 474-7119.
Nice guy, W 72 NS 5’9 Retired and still looking for that special lady. I enjoy beach walks, movies, travel, ect. SOH important. Snowbirds welcome. Largo (727) 204-4259.
Male Female Single Divorced Widowed White Black Hispanic Jewish
Quality guy, fun, fit, educated and never married ISO LTR. Way too much to share in 30 words. Lets talk at length via phone. Call you won’t be sorry. Tampa (813) 273-8127. S W C M 78 5’6 173lbs desires meeting S W F 75 or younger. I like beaches, day trips, dancing, and bluegrass music. Largo (727) 535-8585. S W M 67, 6’1 185lbs NS likes baseball, fish-
Seeking a good friend male or female for companionship, shopping, dining out and just enjoying are company. D W F 60. I’m tired of being lonely. If that’s you call me. Tampa (813) 802-5640. D M 68 from Italy ISO good M friend. If you need a good honest friend call me Antimo. St. Pete (727) 215-7701
Meet that Someone Special with a FREE listing right here in SENIOR TO SENIOR 1/23/12 2:35 PM
FEBRUARY 2012
SENIOR VOICE AMERICA
PAGE 31
RESIDENCES
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.
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CLASSIFIED ADS Place your classified ad in the Senior Voice America today. Clean out your garage, sell that car, advertise your services. Ads are priced from $40 for up to 20 words, plus a phone number. Additional words are $5. To place your ad, call (800) 600-4364, Ext. 221, or complete the form below and mail with a check payable to Senior Voice America at PO Box 270; Lutz, FL 33548. You can also email your ad to sharon@ggpubs.com Deadline: 20th of the month for the next monthly issue. Name:
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NOW EVERY MONDAY THRU FRIDAY FROM 1 to 2 PM More Information More Guests 1/23/12 2:35 PM
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SENIOR VOICE AMERICA
FEBRUARY 2012
1/23/12 2:35 PM