SENIOR_VOICE_AMERICA_Tampa_August2015FINAL

AUGUST 2015

TM

SINCE 1980 — VolUME 35 • NUMBER 8

LIVING WITH DIABETES: PATIENT EDUCATION AND COMMUNITY PROGRAMS

Choosing the Best Primary Care Physician: Guidelines from “Aging in America”

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GOODBYE TO THE OLD LADY IMAGE

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REFRESHING AND HEALTHY SUMMER DIET

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By Karyn Rizzo

Karyn Rizzo’s “Aging in America: Navigating our Healthcare System” is a resource guide to help seniors and caregivers with helpful tips on choosing quality providers for care. This “how-to” is helping people to understand the business of aging in America. An industry expert and healthcare consultant, Rizzo’s first edition was a bestseller within six months in 2014.

Understanding the “business” or financial side of how healthcare providers are paid makes it easier to make the best personal choices given each individual person’s health and resources.

The expanded version, just released this year, is available at www.agingguidebook1.com.

The first chapter, on choosing the best primary care physician, outlines how to interview and choose a doctor that will be your best advocate. They can be the most important co-pilot of your healthcare journey. Some seniors choose a physician based on insurance assignment, word of mouth or an advertisement. Some seniors have chosen a doctor when they were young and have aged together. They may no longer have hospital privileges, round at rehab centers, or be up to date on the newest medications and medical procedures. If this is the case, it’s best to make a change immediately.

It’s helpful to know what education, training and affiliations your primary care physician has, especially if an unplanned event occurs. For instance, if a primary care physician does not have hospital privileges, you will be assigned to a hospitalist. This doctor is not acquainted with your health history, medication routine or habits. In addition, this doctor may or may not be employed by the hospital or even have an outpaSee HEALTHCARE, Page 11 tient office to follow up after discharge.

If You Find Life Insurance Shopping Confusing, You’re Not Alone

A new study calls 19 million Americans “stuck shoppers” of life insurance, because they believe life insurance is valuable and necessary, but find shopping for it to be confusing and overwhelming.

The joint study, by insurance trade organization LIMRA and Maddock Douglas Research, lays the blame on insurers, saying their communications lack clarity and relevance. The study says that a key factor in the “stuck shopper dilemma” is communications that “lack authenticity.” It defined six elements that make up authentic communication, including use of everyday language, use of realistic images, interesting, warm and comforting messages, credible sources and relevance to the audience.

The majority of consumers surveyed said they did not know how to define several important terms life insurers often use in their marketing communications; others misidentified these terms. Definitions of the most important of these terms follow.

By Eric Thompson

Premiums: The amount you pay for your insurance policy. Most insurers allow you to pay premiums on a yearly, quarterly or monthly basis.

See INSURANCE, Page 23

Senior Voice America…in print, on the web and on the air with Health, Wealth & Wisdom. Tune in to AM 1250 WHNZ Monday thru Friday, from 7 to 9 p.m. as Publisher Evan Gold brings you the information to live an active mature lifestyle. ime T w e N ot!

Visit our new website, Tampa Bay’s leading news source Sl for seniors, www.seniorvoiceamerica.com.

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Senior Voice America AUGUST 2015

Health Roundup

One of the Primary Causes of Inflammation Starts in Your Mouth

By Dr. Anthony J. Adams Did you know most of the diseases which disable us or make us less able to enjoy good health have, at their root cause, inflammation? It is true. Did you know that one of the primary causes of inflammation starts in your mouth? That is true.

According to the American Dental Association, 75 percent of American adults will have periodontal disease in their lifetime. Everyone has heard of or experienced gingivitis. Did you know gingivitis is no small thing? It can cause inflammatory disease in other areas of you body. There are more than 200 diseases that involve inflammation. Diseases such as cardiovascular disease, diabetes and cancer are among many others which have inflammation as a primary contributing factor. Inflammation from any source is the beginning of cascading events, all spiraling down. It is a big deal when a tooth is infected or lost. It creates more disability than just a gap in your smile. It affects your immune system.

It contributes to every aspect of your being in a negative way. Oral disease is a silent killer that makes you suffer until you die.

How you eat and what you eat are at the very core of the top three killers:

heart disease, diabetes and cancer.

Any practitioner or patient that thinks otherwise is thinking “old school.”

That thinking will continue to see people die prematurely—and suffer as they do. Many spend the last 20-30 percent of their lives suffering.

There are clinical tests which can identify the inflammatory ravages which may appear silent but are deadly. There are ways to determine the foods to which you are adversely sensitive. Much of the food we eat or the processes that produce it are harmful to you, much more harmful than you may know. Consider this: “The Protectors,” those agencies or groups you are encouraged to listen to and believe, may have other agendas than what you think. Our culture is in the danger zone, and complacence or over-trust on your part will lessen your lifespan and the quality of your life. Your health is your responsibility. You are the only one who can protect you. Take control.

Choose carefully what you do and do not do. Your choices will affect you.

At Healthy Body Dental, we consider your total health before making a recommendation to enhance your smile or your oral health. At Healthy Body Dental, we know the choices our patients make will affect more than their smiles. Call for a consultation today at (727) 799-3123, or visit us online www.healthybodydental.com.

AUGUST 2015

Senior Voice America

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Health Roundup

Are You Reaching for the Right Pain Medication?

The use of opioid painkillers such as Vicodin and Oxycontin is on the rise, and this trend is

taking its toll. Opioids account for 46 deaths each day in the United States, more than any other drug.

Is your pain medication the best option for you? Depending on the type of pain you’re ex-

periencing and the duration of your expected treatment, the answer may be no.

“Surprisingly, opioids are not very effective pain medications, and they can also have seri-

ous side effects,” said Dr. Donald Teater, M.D., medical advisor to the National Safety Council.

Acute pain includes dental pain, back pain, renal colic pain (kidney stones), sprains and

fractures. What may be surprising to some is that studies show a combination of over-thecounter acetaminophen and ibuprofen is more effective at relieving acute pain than opioids.

Not only are opioids less effective than NSAIDs (nonsteroidal anti-inflammatory drug) in

particular instances, but they also are associated with more serious side effects. Some lesserknown side effects of opioids include gastrointestinal bleeding (more frequently associated with NSAIDS), rapid development of addiction, changes to the brain and cognitive abilities, driving impairment, increased risk of disability and decreased sex hormones.

The elderly need to be particularly wary, as elderly adults taking opioids are at greater risk of having a cardiovascular event, have four times as many fractures

as their counterparts not taking opioids, and have an 87 percent greater risk of dying.

If you’re prescribed an opioid pain medication, consider discussing alternatives with your doctor, particularly if you’re treating acute pain. Taking the mini-

mum dose for as short a time period as possible can help reduce your risk.

“Since opioids are often abused illicitly, it is good practice to lock your medicine cabinet and dispose of any leftover medications properly when your course of

treatment is over,” said Dr. Teater. “Drug take-back programs are the safest, most environmentally friendly way to clean your medicine cabinet.”

For the latest information on painkiller efficacy and risks, visit www.nsc.org/rxpainkillers.

The effects of your painkiller medication may be worse than the pain you’re actually treating. Take steps to treat pain as safely and effectively as possible.

TMTM

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Senior Voice America AUGUST 2015

FROM THE PUBLISHER

TM TM

Senior Voice America, Inc. P.O. BOX 1379 Lutz, FL 33548-1379 Phone (813) 444-1011 • Fax (813) 422-7966 www.seniorvoiceamerica.com Staff Publisher: Evan Gold evan@seniorvoiceamerica.com Managing Editor/Broadcast Producer: Deb Goldman deb@seniorvoiceamerica.com Editor: Lauren Potts lauren@seniorvoiceamerica.com Creative Director: Lourdes M. Sáenz lourdes@seniorvoiceamerica.com ADVERTISING (813) 444-1011 Join our sales team. For information about opportunities throughout Florida and North America, email evan@seniorvoiceamerica.com.

Planning Ahead Could Make All the Difference

Let’s be honest. Nobody wants to really think about what might happen to us in the future. As we age none of us want to think about the inevitabilities, the health issues, and all the problems that come with aging. Even in my 50s I don’t want to give in to those thoughts. But are we setting ourselves and our children for hardship, disaster or financial problems? Are we putting our estates in jeopardy?

Look, we have all read the stories about those individuals that did not leave instructions for their children or family members. My grandparents and parents both passed away with no wills or instructions for us. I have seen many senior citizens forced into living situations that they never wanted or would have never agreed upon if they were well. I know, personally, of individuals that regret the situation they are in, but did nothing ahead of time to set themselves up for a better situation.

Now I understand if people are not in a good financial situation and their choices are limited. However, there are plenty of readers of our publication that have the finances to set themselves up ahead of time with where and how they want to live should health issues force them to find a different living situation. And even those of limited means can also make sure they have a will and some sort of instructions for their family members.

Look, these are never easy decisions or thoughts. But as all of us age, we need to think about those issues that might arise. And should we do so, we might find ourselves living and doing the things we want to do instead of having others make the decisions for us. Or having others force us into situations that make their lives easier. Goodness knows many of them never made our lives easy.

So, my advice: Take a few days out of your schedule and drive around to different facilities and see what you like and don’t like. Survey your friends and others that have been through difficult situations and find out what they liked or didn’t like about a certain healthcare provider. It could be something as little as a rehab facility where you might recover from an injury for a month. Being proactive can make all the difference in your life.

Evan Gold

Contributors Abne M. Eisenberg • Garrett Matthews Carolyn Shockey • Evelyn Levin Ruth Fanovich • Dr. Anthony Adams Jean Mlincek • Susan Daddono • Joyce Holly Mary Gynn • Lourdes M. Sáenz • Rob Kress 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, Pasco, Sarasota and Manatee 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 1250am WHNZ. Monday – Friday From 7-9pm

FROM THE EDITOR Old School Sweetness

I have a confession to make. “You’ve Got Mail” is still one of my favorite movies of all time. Every year when August rolls around, I think, Don’t you just love New York in the fall? (I have never set foot in New York, but one just loves some things.) I hear Tom Hanks telling Meg Ryan that he’d send her a bouquet of newly sharpened pencils.

Fall makes me want to buy school supplies, too. Notebook paper towers in fresh stacks down grocery store aisles. Newborn pencils in their orderly packs greet shoppers with a cheery golden hello. I like seeing families out and about with their lists, parents attempting to convince dubious children that the $5.00 Disney folder will not in fact accomplish its purpose any better than the 99-cent standby. For me, it was an annual battle for pristine Crayola crayons and paints instead of the dreaded RoseArt bargain brand.

RoseArt notwithstanding, August reminds me how incredibly blessed we are to live in a country where boys and girls get to go to school for free. Where the vast majority of our nation’s children aren’t out hauling water or harvesting crops or completing other hard labor to support their families in lieu of receiving an education. Where our girls get to learn alongside our boys, and pockets of promise for the hopeless still exist.

Let’s look at one of these pockets: A photographer named Brandon Stanton started a blog called Humans of New York. It became a cultural phenomenon overnight, attracting millions of followers and one of the warmest communities on the Internet. Stanton’s focus is portraits, and he asks each subject a personal question. He recently interviewed a young boy in a tough New York neighborhood. The boy told the story of his principal, an incredible woman fighting tooth and nail for education, opportunity and dignity for the students in her charge. Within days, the photo led to a fundraising campaign that sponsored annual trips for these students to Ivy League campuses—in perpetuity. Another reason to love New York in the fall.

I know we’ve got struggles. I know the color of your skin or the cut of your dress or the brand of your backpack still dictate who you are allowed to be in some circles. I also know that the fact of my sitting here right now, writing this to you, is only happening because I’ve been incredibly blessed to have grown up with some of the best America has to offer. If you’re reading this, so have you.

Lauren Potts

AUGUST 2015

s ’ t Le

Senior Voice America

Talk

Sleeping Beauty

By Nurse Ruth Fanovich

No, I’m not going to discuss the Disney movie. I want to talk about sleepless nights, insomnia and not getting enough (if any) shut eye! Lack of sleep is one the most common causes of many medical issues and affects many of us as we age and our sleep needs change.

I have to share the fact that I have insomnia, and I have been researching and finding natural, non-drug remedies to try and achieve a much-needed good night’s rest. Rather than take prescription medication, which may have side effects, I have always tried to use natural and homeopathic remedies. I would like to share a few of these with you.

First, you have to think, what’s keeping you up at night?

• Stress, or perhaps too much activity before going to bed (maybe working

on the computer) can make it difficult to sleep.

• Poor circulation can cause restless leg syndrome or cold feet, which in turn results in a lot of tossing and turning. Is this starting to sound

familiar?

• Thyroid problems can also cause insomnia due to fluctuating body

temperature—too hot, too cold, and back and forth, resulting again in no

sleep. Presently being studied is vitamin deficiency’s possible contribu-

tion to difficulty sleeping.

Some solutions: • If you have cold feet/poor circulation, put on a pair of cotton socks to

have toasty toes.

• Be sure your bed is not too soft or too hard and your pillow is just right.

• If your bedroom is not quiet, try wearing earplugs.

• Beginning at noon, do not eat or drink anything with caffeine in it.

• Limit your nap time.

• Try a light snack high in tryptophan about 30 minutes before bedtime

(cottage cheese, cashews, chicken or soy beans, to name a few).

• Your bedroom might be too hot or too cold (recommended temperature

for sleeping is 60-72 degrees F).

• Too much on your mind can lead to stress, anxiety or depression. Empty

out your brain; take care of work-related issues or other stresses.

• Perhaps you are having family conflicts; try to come to common ground

and settle things earlier in the day.

• Over-activity before going to bed, such as too many electronics, too

much TV and gadgets with blue light, can also prevent sleep. Our brain

needs the dark so it can produce the melatonin needed for a restful

night’s sleep. Be sure the room you sleep in is dark.

• Develop good sleep habits. Are you developing a healthy routine and

going to bed at the same time every night? Maybe take a warm bath or

shower prior to going to bed.

Be aware that not getting a good night’s sleep can contribute to weight gain, depression, heart disease and digestive disorders, just to name a few complications.

Try to identify your problem. Getting a good night’s sleep can usually be managed simply. You just might need a new mattress and pillow! Don’t forget the warm milk and chamomile tea…let’s all sleep tight and have pleasant dreams.

Do you have a remedy that works and you’d like to share? Let’s talk!

Provided by Ruth Fanovich, RN, LHRM, Owner, Care Placement Home Health Agency, Inc. and RMF Care Management, Inc. www.CarePlacementHH. com.

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Senior Voice America AUGUST 2015

project sugar

Teaching for Health Series (Vol. 1 No.6)

Living With Diabetes: Patient Education and Community Programs

Prior to developing Type 2 diabetes, a person will usually have prediabetes or somewhat elevated blood glucose levels. Nearly 86 million

By Mary Gynn, RN, BSN, American people with prediabetes (36 percent) meet the criteria for prediabetes; 50 percent of them will develop Type 2 diabetes, according to MSN/MS, Diabetes Educator Dr. Robert Ackermann, MD, MPH, professor and director at the Center for Community Health, Northwestern University Feinberg School of

Medicine in Chicago, Ill. Often prediabetics also have high blood pressure and other risk factors for heart and blood vessel disease. However, studies show that many people with prediabetes can lower their risk for Type 2 diabetes by losing approximately 7 percent of their body weight and increasing moderate exercise five days a week.

Knowing you have prediabetes is a message to get active, attain a healthy weight, develop a meal plan and work with your health-care provider and diabetes educator to improve your health. Patient education is extremely important because of the numerous tasks involved in managing diabetes. Diabetes educators can provide patients with ongoing information and then help them figure out how to use that information in their daily lives.

Patients need information that will help them make well-informed decisions about how to handle different situations that might arise. To be effective, diabetes educators must understand the values, priorities and other aspects of the lives of the individual patient with diabetes.

Long-term complications from diabetes include disease of the nerves and blood vessels, which can lead to damage of the eyes, kidneys, heart, brain, feet and legs. Skin disorders, such as bacterial and fungal infections, problems with hearing and gum disease, also occur more often in people with diabetes.

Coordinating the diabetic’s care with a health-care provider, diabetes educator, podiatrist and dentist is essential, as well as having an annual dilated eye exam, and having the diabetic test his or her own blood sugar fasting, before eating, before and after meals. A record of daily meter readings is definitely important for the diabetes educator and health-care provider to see. They then know if food intake, medication, activity/exercise or lifestyle is keeping the diabetic’s blood sugar (glucose) within normal limits.

Data show that group educational programs work, but, because diabetes lasts a lifetime, ongoing help and support are needed. Behavior is at the heart of management and prevention of diabetes. It is the key to effective care and outcomes. Behavior is programmed: People have patterns they have lived with and with which they are familiar. A patient’s environment may be supporting unhelpful behaviors. Coaching patients at a few visits a year is not sufficient to change behavior. Changing behavior requires an ongoing team approach.

Only 6 percent of Medicare beneficiaries are referred for diabetes education even though it is a benefit covered by Medicare. Physicians cannot address the nuances and details of diabetes in a short visit. Therefore, they should refer patients to a diabetes educator, according to Martha Funnell, MS, RN, Associate Research Scientist at the University of Michigan Medical School in Ann Arbor, Mich.

In conclusion, former participants in diabetes workshops and support groups have reported that they would be more likely to attend a diabetes workshop (even if it was a yearlong program) if their physician recommended it.

Mary Gynn, RN, MSN/MS, MPH, Diabetes Educator is a member of the American Association of Diabetes Educators, Florida Nurses Association and American Public Health Association. She facilitates ongoing diabetes workshops. Contact her at (837) 533-1197 or mmgynn@aol.com.

AUGUST 2015

Senior Voice America

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real estate

How to Approach Difficult Family Conversations

Moving from the family home can be an emotionally charged topic for seniors and their adult children. Approaching essential but difficult conversations during this time can be challenging, but putting it off only makes matters worst. By delaying making a move, people are forced into situations with little planning, which can led to added burdens for your loved ones. The pressure of finding you a new home, selling and distributing your lifelong treasures and spending time away from family to get everything taken care of adds up. Taking the time and planning the next step prepares a person for life’s changes, easing the stress level. Having a sudden health change or death forces quicker decisions and often results in the wrong decision.

By Susan Daddono

Wouldn’t you rather take charge of your next chapter?

Communication is key: It involves all important members of the family and any financial advisors. Invariably, there will be different views and opinions. Getting those opinions out and organized can really help making the final decision easier. Keep in mind there should be only one goal: to make it as easy as possible, with as little stress as possible, for the good of the person that needs to make the move. What’s best for them?

THE SENIOR PERSPECTIVE Seniors want the best possible quality of life. They want their family and friends to support them and help them execute their decisions—and they want to nurture essential relationships during the decision-making process and the transition. What they don’t want is more stress, guilt, emotional outbursts, drama and complication. They need help, not harassment. They don’t want to be treated like children, and they don’t want to have others dictate what they should do.

THE PERSPECTIVE OF ADULT CHILDREN Adult children want what is best for their parents. They want them to be happy and healthy—and to feel secure in the decisions their parents make (or those they have to make on their behalf). Often in a “sandwich generation” situation, these individuals feel pulled in multiple directions. Like their parents, they don’t want more stress, guilt, emotional outbursts, drama and complication. They want to help their parents, not argue with them (or with other siblings) about the process.

They don’t want to live in limbo for months or years, with decisions postponed until crisis hits. They don’t want to make decisions alone. All parties should focus on achieving desired outcomes and ignore the urge to “win” any disagreements. Avoid the natural tendency to argue about small details when everyone is in agreement about overall goals, and retain a respectful, considerate approach to all communications. The emotional nature of these conversations will make calm and respectful dialogue more challenging—but managing

to accomplish this will be incredibly rewarding.

These are the people we love. Communicating with that focus on love, re-

spect and consideration will turn a potentially difficult situation into an opportunity for improved relationships and the best possible outcome.

You can count on Susan Daddono a SRES® Designated Realtor, to guide

you through the process of buying or selling your home, making the transaction less stressful and more successful. Her team will help them every step of the way with an extensive list of service providers.

Call today and let’s do this together.

(727)519-4215 www.SusanDaddonoHomes.com sjdaddono@gmail.com

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Senior Voice America AUGUST 2015

self help

Impatience Slows Healing

Everything takes time. A drug can do one of four things: speed up healing, slow it down, create a side effect or be completely ineffective. A patient’s emotional attitude toward a therapeutic procedure can also affect its outcome in time or severity.

We are living in a very fast-paced world. With the push of a button, you can have mashed potatoes, frozen food for dinner or coffee with your breakfast, all in a matter of minutes.

Healing, however, does not comport with this hit-and-run approach. While physicians continue to tell us that a fracture should heal in 6-8 weeks, they qualify their prognosis by saying that individual healing time varies. The most compelling determinant is patience.

We are conditioned to be impatient by the drug commercials we see on television promising fast relief from symptoms. What we are not told is that every person has a different degree of tolerance with regard to patience.

Our ability to wait in line is taxed every day at the supermarket, DMV, bank and local Post Office. Those of us blessed with

By Professor Abné Eisenberg

the ability to calmly wait our turn have difficulty understanding why some people become unglued when they have to wait more than five minutes. Some become so frustrated that they enter into an accusatory verbal confrontation with a clerk or salesperson.

Every disease or injury has what is called an incubation time, the time it takes from the onset of symptoms to reach resolution. Once the symptoms appear, impatient victims begin to challenge the healing time. Patients who display this tendency suffer from what has been referred to as a “destination affliction,” an obsessive preoccupation with the amount of time it takes for an illness or injury to heal.

When impatient patients are being treated for anything ranging from a broken ankle to Lyme’s disease, they consistently display degrees of anxiety. Regardless of what they are told by their physicians, they always expect quick recoveries.

As the resolution time increases, these patients may experience a rapid heartbeat, headache, elevated blood pressure, dizziness, shortness of breath or an increase in muscle tension.

Competent physicians take into consideration their patients’ ability or willingness to wait. They appreciate that a high fever or severe pain can precipitate impatience. Sensitive physicians, detecting this anxiety, can tactfully reassure patients that everything is going well and there is nothing about which to worry.

Because healing involves a number of different biologica; processes, impatient patients are encouraged to exercise restraint and try to find a physician whose reputation involves being patient with patients.

Professor Eisenberg was born in New York City and now lives in Belleair Bluffs, Fla. He served in the U.S. Marine Corps in WWII. His career consisted of teaching various aspects of interpersonal communication for 60 years at leading universities. Send comments on his articles to aeisenberg3@tampabay.rr. com.

Thoughts & Quotes

“Patience is waiting. Not passively waiting. That is laziness. But to keep going when the going is hard and slow – that is patience.” ~ Unknown “Have courage for the great sorrows of life and patience for the small ones; and when you have laboriously accomplished your daily task, go to sleep in peace. God is awake.” ~ Victor Hugo “Patience and perseverance have a magical effect before which difficulties disappear and obstacles vanish.” ~ John Quincy Adams One moment of patience may ward off great disaster. One moment of impatience may ruin a whole life. Chinese Proverb

AUGUST 2015

Senior Voice America

self help

W o rr y

My parents were good friends with a couple who had two children later in life. The children, a boy and a girl, were the answer to many years of prayers to have a family, yet somehow the parents could never really enjoy their children or the joy of parenthood—or anything else, for that matter.

The wife was a very religious, churchgoing person, but seemed to always be fretting about something.

Most of her sentences started with OMG!, and then proceeded to discuss the worrisome topic of the day.

As a child who was just beginning to process things myself, it bothered me that worry consumed her life.

Even though I lived in a negative environment at home, worry didn’t take top billing. After an hour or sometimes less back then, I reached my limit in the woeful conversations.

As I recall, most of her concerns were trivial, and, of course, never happened. Even with her strong belief system, she wasn’t able to trust that all things would work out for the best. Not living long enough to raise her children was a worry I heard a lot, yet she was there to see them both grown and married.

It may have been that she wanted to control outcomes, but worry controlled her. She was an intelligent, gifted lady and had plenty to be grateful for, including the kids for whom she had pined.

Worry focuses on the things we can’t change, rather than the things we can do something about, thus lessening our productivity. I try to use the concept, “Next week, or in three years, will this be a concern? Will I be grateful for the experience?” In the meantime, if we can fix the problem, then that is what we need to do. It’s a matter of knowing whether or not there is a way we can solve it; if not, turn it over and move on.

Just imagine how, if we substituted faith for worry, secure in knowing that everything will work out for our best good, we could live worry free, without an ulcer or high blood pressure, and be able to get on with living a pleasurable, more positive life.

If we were honest with ourselves, we would admit that our worrying has never improved or helped an outcome. If left to the universe, our highest and best good will be realized. Maybe not exactly what we expected, but something even better. Expect the good, and be free to enjoy life.

There is a saying: “Worry is like a rocking chair: It gives you something to do, but doesn’t get you anywhere.” So let’s go places!

By Carolyn Shockey

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Page 10

Senior Voice America AUGUST 2015

humor

Closet Slipper-Tossers, Come On Out

By Garret Mathews

I’m embarrassed to admit this. I’m only doing so because I know I’m not the only person who did such a thing.

I hope this column will result in calls from closet slipper-tossers who want to come in from the

cold and say, “Me, too.”

For openers, I talked to myself when I was growing up.

Nothing unusual so far. Lots of fifth-graders are their own best friends.

I invented my own baseball and basketball teams. I had my own imaginary athletes. I had my own imaginary statistics. I had my own imaginary playoffs.

And now for the big reveal.

I lay on the bed and tossed a bedroom slipper, all the while talking to myself about the exploits of my star player and his teammates.

Before you think I’m completely crazy, my father was a high school coach. There were enough balls and bats in the house to stock a sporting goods store.

I learned to count by watching a basketball scoreboard. I almost never missed one of Dad’s games. By the time I was eight, I had been to more towns and cities in southwest Virginia than a geography major.

The bedroom slippers helped fill the void between games. I found out that I could talk to myself better when I was throwing something. I tried a tennis ball, but I liked the way the slipper went end over end. I also wanted a challenge.

The slipper left black marks on the ceiling. If Mom caught me, I was in big trouble.

I also need to tell you that I was a big fan of the Chip Hilton sports books written by Clair Bee. Not only was he Coach Rockwell’s best player, Chip was perfect in the classroom and perfect with girls.

I wanted to be just like him. Until I could get older, Phil Stone—my alter ego and the hero of my sports teams— would have to do.

I’ll take your questions.

Let me get this straight. While the other kids at William King Elementary School were enjoying normal lives, you were tossing your bedroom slipper and pretending to be a jock.

That is an accurate assessment.

Are the black marks still on the bedroom ceiling?

Yes. Mom finally gave up scrubbing.

Can you provide a sample of your monologue?

My team’s chief rival was Valley High. I wanted them to be as despicable as possible, so I made their coach a shameless braggart and their best player a candy bar thief.

Was Phil Stone’s team always the champion?

Of course. Real life is a rocky road. Slipper-tossing life should be rosy.

What were Phil Stone’s baseball stats?

He never hit less than .600. In his crowning achievement as a pitcher, he struck out the Valley High coach, who sneaked himself in the lineup during the playoffs.

Did you have a problem with family members listening in on your slipper sessions?

Yes. My younger brother would sneak down the hall and sit motionless by the bedroom door. I’d be in the middle of the title game when I’d hear giggling. I’d interrupt my commentary to beat the tar out of him. Naturally, Dan would tell on me. If my father was in a good mood, he’d ask how Phil’s team was doing. If he wasn’t, he’d take away my slippers.

Do you have any regrets?

Yes. Phil Stone never made the Hall of Fame.

AUGUST 2015

Senior Voice America

Page 11

Dr. Bonnie Sanchez, ABPM

“Aging” includes a helpful interview form to determine From HEALTHCARE Page 1 whom physicians partner with, such as hospitals, skilled nursing and rehab centers, home care, specialty groups, insurance and pharmaceutical companies. During a hospital stay, the partnerships a primary care physician has becomes so very important. If a physician’s practice is owned by a Medicare Advantage Plan, the choices you have of providers will be greatly limited. These are best to know about in advance of ever needing them.

The best recommendation for a high-quality ethical physician is one that is board certified, has a lower percentage of managed care insurance companies that they contract with, and is trained at handling patients during a hospital stay, or has Board Certified hospitalists to whom they refer. Board-certified physicians are especially careful to align themselves with the providers known for giving the highest quality of care and who have better reviews from local or state agencies. They have their medical license and board status to protect, and also consider the risk of more malpractice claims when choosing providers.

With research and careful conversation, you can be certain that your medical care is in the best of hands, even if a hospital stay or more complex medical care is necessary. Good physician management makes the difference in many seniors’ and caregivers’ hospital experiences. Knowing that in an unplanned hospital admission you will have the same physician—or at least a partner in the practice—provides an amazing peace of mind.

The chapter also includes helpful websites that can provide background information on a primary care physician’s board certifications, specialty training, hospital and home care agency affiliations and insurance contracts. Interviewing physicians and insisting on those that will support your healthcare needs and wishes is crucial to avoid being treated like a number.

Karyn Rizzo, owner of Elite Marketing & Consulting, has more than 20 years’ experience working in the healthcare industry. She is the author of the bestselling “Aging in America: Navigating our Healthcare System.” The expanded version is now available, including helpful tips on choosing physicians, Medicare and Medicaid plans, senior housing, assisted living centers, rehab/nursing centers, mental health programs, and accessing benefits for retired military and their spouses, as well as in-depth coverage on how to prevent fraud, neglect and abuse of the elderly. Visit www.agingguidebook1.com, email agingguidebook@gmail. com or call (727) 452-1300 for more information.

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Senior Voice America AUGUST 2015

Senior Happenings Denise Keegan, Lenne Nicklaus-Ball, Owen Pach, Tom PitBrookridge Clubhouse is located at 8150 Hampton St., zen, John Ricci, Jonathan Schork, Frank Strunk III and Brooksville, FL. For more information (352) 397-6088.

Matt Worsham. 6:00 p.m. Free.

Masquerade Ball The Catherine Hickman Theater is located at 5501 27th.

Ave. S, Gulfport, FL. For more information (727) 607District 3 Nightclub 0070.

August 8

Be as creative as you want with a costume, but masks are required for this 21 and older only dance with enterMarina Jack tainment and nationally known DJ’s. Benefits ASAP/EmAugust 7 - 8 path Health. 8:30 p.m. Tickets: $40 adv., $50 at the door.

A great family fishing event tournament with Billfish, District 3 Nightclub is located at 802 E Whiting St., Wahoo, Tuna, Grouper, Snapper, Trout, Redfish with off- Tampa, FL. shore and inshore divisions. The Slam is fun for all ages Parkinson’s Support Group with a Jr. Angler Division.

Marina Jack is located at 6983 Professional Parkway Hale Senior Activity Center East, Sarasota FL. For more information (941) 907-4133 August 11 or www.ms-bia.org.

Group meetings help people with Parkinson’s, caregivers and families to foster self-empowerment, coping skills, Rodeo at Westgate River Ranch and socialization in a non-judgmental and encouraging atWestgate River Ranch mosphere, including physical, occupational and speech August 8, 15, 22, 29 exercises. 1:00 p.m. Free.

Cowpokes and bronco busters gather every Saturday Hale Sr. Ctr. is located at 330 Douglas Ave., Dunedin, FL. night at 7:30 p.m. for an evening of fun for the whole famiBucs Training Camp ly at the 1,200-seat rodeo arena. This real-life rodeo features trick riding, bull riding, calf roping, barrel racing, Buccaneer Stadium rodeo clown antics and a patriotic, flag-waving tribute to August 11, 12, 17 our armed forces accompanied by uplifting, classic counThe public is invited to a series of free Bucs practices try songs such as Lee Greenwood’s “God Bless the USA” with on field autograph sessions for children ages 12 and and Toby Keith’s “Courtesy of the Red, White & Blue.” Kids younger.

Kid zone area with interactive football skills staare invited into the rodeo arena and get the opportunity to tions, face painting and a dunk tank.

Parking is free and participate in a real “calf scramble.” Don’t miss it! concessions are available.

2:30 p.m.

Free.

Westgate River Ranch is located at 3200 River Ranch Buccaneer Stadium is located at One Buccaneer Place, Blvd., Lake Wales, FL. For more information (863)692Tampa, FL. 1321 or www.wgriverranch.com.

The Annual Sarasota Slam Fishing Tournament

$15 Days

Lowry Park Zoo August 1 - 16

The summer heat brings a price break at the zoo. For 15 days, Florida residents age 3 and older get into the zoo for just $15. Proof of residency required. Tickets: $15.

Lowry Park Zoo is located at 1101 W. Sligh Ave., Tampa, FL. For more information www.lowryparkzoo.com.

Senior Solos

Italia Mia Restaurant August 5

Join this social group of single folks 55+, as we gather for food and fellowship. All single seniors are welcome to join this congenial group. 1:00 p.m.

Italia Mia Restaurant, 1165 62nd Ave., St. Petersburg., FL. For more information call Wally (727)544-7183.

The Complete Aquatic Work-Out

St. Pete Beach Aquatic Center August 4 - 6, 11 - 13

Stretching, toning, balance, and more using the natural resistance of water. 10:30 a.m. Price: $5 residents, $6 nonresidents.

Happy Birthday LocalShops1

Downtown St. Petersburg August 6

Noah Pransky, 10 News, serves as emcee for the seventh birthday bash with appetizers, the presentation of business awards, a floppy hat contest, cash bar and a keynote speech by Mayor Rick Kriseman. Starting at 5:00 p.m. Price: $50, $35 members.

Event location is at 255 Beach Dr., NE, St. Petersburg, FL. Gulfport Art Walk

Beach Boulevard August 7

Great Brain Wash

Straub Park (Center) August 8

The Florida Blue Community Conversation is a panel discussion organized by the Florida Holocaust Museum, on civil rights history in St. Petersburg including Abdul Karim Ali, Leon Jackson and Mamie Rogers. Please RSVP. 6:30 p.m. Free.

Sylvia’s is located at 642 22nd St. S, St. Petersburg, FL.

Suncoast Gun Show

Sand Key Park August 15

Florida State Fairgrounds August 8 & 9

Meet independent artisans, craftsmen, authors and entertainers and purchase their work along Beach Boulevard, take classes at The Industrial Art Center in specialized areas and enjoy live musicians at venues throughout the waterfront district. Starting at 6:00 p.m. Free.

Event location is at Beach Boulevard, Gulfport, FL. End of Summer Plant Sale

Make a Difference Fishing Tournament Benefit

USF Botanical Gardens August 7

Clearwater Beach August 8

Find some plant bargains and create a tropical garden The benefit to fund fishing tournaments for special space, as houseplants, hoyas, butterfly plants and bego- needs children includes live music by the Black Honkeys nias, succulents and tropicals, among those offered at and auctions. Starting at 6:00 p.m. Tickets: $25. summer’s end 20% off sale, in the Garden Plant Shop. 9:00 Fishing tournament’s location is at 900 Mandalay a.m. Free admission to plant shop sale; regular charges ap- Ave., Clearwater Beach, FL. ply to visit Botanical Gardens: $5, $4 seniors, $3 kids 6-13, BROOKRIDGE GOOD TIMES LINE DANCE SOCIAL under 6 and members, free.

Sale located at 12210 USF Pine Dr., Tampa, FL. Brookridge Clubhouse

August 8

Come for a line dancing great time with DJ entertainment. Bring your own snacks and beverages (and ice, if needed). No lessons provided, but instructors are on hand to The “Gecko Season” kicks off with a cash bar reception give assistance, if needed. Singles and couples welcome, and for nine local artists who created mixed media geckos in are encouraged to wear “slidey” shoes (foot tubes will be the annual charity auction. Artists include Janet Folsom, available to put over shoes if needed). 6:30 p.m. Tickets: $5.

Catherine Hickman Theater August 7

Sylvia’s Queen of Soul Food August 13

The park transforms into a 5K foam pit with slip-nslides and numerous water slides for this race with live music, water events, food and a beer garden. Includes a Tshirt, one drink ticket, food ticket and an after party. Benefits the Brain Tumor Alliance. 8:00 a.m. Price: $45.

Straub Park is located at Beach Drive and Fifth Avenue NE, St. Petersburg, FL.

Show for gun collectors, hunters and outdoor enthusiasts features firearms-related accessories, knives, ammunition, concealed weapons/firearms safety classes and much more. 17 and younger must be accompanied by an adult. 9:00 a.m. Sat., 10:00 a.m. Sun. Tickets: $9, 12 and younger free.

The FL St. Fairgrounds are located at 4802 U.S. 301 N, Tampa, FL.

GECKO ARTISTS’ SHOW AND RECEPTION

Civil Rights: A Local Perspective

Courage to Tri Triathlon

Be dearing and come out to try this event. Swim, run and bike in this USAT sanctioned sprint triathlon featuring a one third of a mile open water swim in the Gulf of Mexico, 13 mile bike ride and 3.1 mile run. This out and back course starts and finishes at the park. 6:45 a.m.

Price: $75.

Sand Key Park is located at 1060 Gulf Blvd., Clearwater, FL. Great St. Pete Cupcake Contest

Chihuly Collection August 15

The Morean Arts Center invites bakers of all skills to submit six of their best cupcakes to be judged in this city wide contest for “Best Cupcake.” Winners receive bragging rights and a glass cupcake sculpture. Deadline to enter is Aug. 10. Noon. Price: $15, spectators free, $1 per vote.

Chihuly Collection is located at 719 Central Ave., St. Petersburg, FL. Summer of Rum Festival

The Cuban Club August 15

Celebrate national rum day and join this fun tropical themed festival featuring five rum zones. Variety of rums available, and plenty of island themed entertainment. All three floors of the building and the patio area will be transformed into a rum party zone. From noon to 11:00

AUGUST 2015

Senior Voice America

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Senior Happenings p.m. Tickets: $14-$75.

The Cuban Club is located at 2010 N. Ave. Republica De Cuba, Tampa, FL. Gulfport Art Walk

Beach Boulevard in Gulfport August 15

Meet independent artisans, craftsmen, authors and entertainers and purchase their work along Beach Boulevard, take classes at The Industrial Art Center in specialized areas and enjoy live musicians at venues throughout the waterfront district. Free.

Friday Fest

Van Wezel Performing Arts Hall August 21

Enjoy an evening on the Bayfront and some free live music at the 14th annual summer music fest series known as “Friday Fest” at the Van Wezel with live music by Yesterdayze. Bring your lawn chair or blanket, food and drink vendors available, outside food and drink is prohibited.

This free concert series takes place rain or shine, it moves indoors in case of inclement weather. 5:00 p.m. - 9:00 p.m.

Van Wezel Performing Arts Hall is located at 777 N Tamiami Trail, Sarasota, FL. Annual SUP Race Championships

Siesta Key Beach August 22

The 3rd Annual 2015 Sarasota SUP Race Championships on Siesta Key Beach returns with fun for the entire family. Evolving from the Sarasota SUP Race Series, we listened to our racers and decided to go all out with a single full day event at America’s #1 Beach – Siesta Key! Comprising of a full day of races, entertainment, music, food and fun, the 2015 Siesta Key Sarasota SUP Championships is a water and beach lifestyle event like no other.

This years Battle of the Paddle format event shall have the 5K, 10K and Grom races taking place in the cool temps of the morning and the “SUP Rodeo” in the afternoon.

Awards for all Distance events.

For more information www.sarasotasupchampionships.com.

Zoo Run Run

Lowry Park Zoo August 22

Annual event with 5K run/walk and children’s fun run inside Lowry Park Zoo and along the Hillsborough River.

Benefits zoo programs. Event fee includes admission for the day to the zoo for entrants only. Check-in 6:30 a.m., 5K race and walk starts 7:30 a.m. and fun run 9:15 a.m.

Lowry Park Zoo is located at 1101 W Sligh Ave., Tampa, FL. For cost and more information www.lowrypark.com.

Lake Wales Car Show

Downtown Lake Wales August 22

Display of custom, classic, street rods, & antique cars and trucks in Historic Downtown Lake Wales on the 4th Saturday every month. Stroll and admire the cool antique, custom and classic cars of yesteryear while enjoying music, enchanting shops, and the unique restaurants of charming downtown Lake Wales. Free admission to participants and spectators.

Event location is at East Stuart Avenue, Lake Wales, FL. For more information (863)207-3402.

Manasota India Festival

Bradenton Area Convention Center August 22

Learn about India, its wonderful culture, rich musical tradition, intricate dances and colorful traditional dresses. Check out The Manasota India Festival sponsored by organizations from Manasota, Manatee and Sarasota Counties featuring everything from food and shopping to

live entertainment, presentations and activities native to India. Family friendly, this year’s theme is Celebrating Dances of India. 12:00 p.m. - 8:00 p.m. $3.

The Bradenton Area Convention Center, One Haben Blvd, Palmetto, FL. For more information www.manasotaindiafest.com.

with coin grab bags for kids, free appraisals and hourly drawings. 9:00 a.m. Free.

The Brandon Elk Lodge is located at Brandon : 800 Centennial Lodge Drive, Brandon, FL.

Sarasota Craft Brew Fest

Gulfport Casino August 29

Robarts Sport’s Arena August 23

It’s the Sarasota Craft Brew Fest featuring unlimited delicious craft beer samples along with select food samples as well as non-alcoholic drinks and live music. With Florida Beer Festivals famous “one price admission”, patrons pay one price and pay no more to enjoy unlimited samples of the world’s greatest craft brews. $30.00 Advance / $35.00 At The Door, V I P Admission: $60.00 Advance / $75.00 At The Door. 5 p.m. - 9 p.m.

Robarts Arena at the Sarasota County Fairgrounds, 3000 Ringling Blvd, off Fruitville Rd., Sarasota, FL. For more information www.floridabeerfestivals.com.

AARP Driver Safety Course

Safety Harbor Library August 28

Gain the skills and tools to drive safely. Some participants may qualify for an insurance discount. All ages drivers welcome. 1:00 p.m. Price: $20, $15 AARP members.

The Safety Harbor Library is located at 101 Second St. N, Safety Harbor, FL.

Instruction includes how to properly use telescopes, identify celestial observations and define common astronomy terms. 7:00 p.m. Price: $20, $15 memebers.

MOSI is located at 4801 E. Fowler Ave., Tampa, FL. Fore more information www.mosi.org.

Dog Day of Summer

Join Friends of Brooker Creek and help rid the preserve of exotic, invasive vegetation and nuisance plants; bring work gloves, clippers, shovels, hand saws and loppers. Best for adults. Water and snacks provided. 8:00 a.m. Free.

Brooker Creek is located at 3940 Keystone Road, Tarpon Springs, FL. Coin and Currency Show

Brandon Elk Lodge August 29

Nearly 45 tables of coins and currency in this show

Amalie Arena August 31

The World Wrestling Entertainment’s biggest program returns to Tampa for the first time in two years. Seth Rollins, John Cena, Roman Reigns and the WWE Divas are some of the highlights. 7:30 p.m. Tickets: $20 -$115.

Amalie Arena is located at 401 Channelside Dr., Tampa, FL. For more information www.amaliearena.com.

Francisco Sanchez, the former undersecretary of commerce for international trade, will discuss why the business world needs to pay attention to Latin America. 7:00 p.m. Price: $90, $170 per pair; $125-$225 VIP. DoubleTree is located at 4500 W. Cypress St., Tampa, FL. For more information (813)879-4800.

Senior Solos

Enjoy this pet friendly event at Bok Tower Gardens.

Leashed and friendly dogs will be invited to visit to help support the Humane Society of Polk County, which will receive 50 percent of the event proceeds. Grooming tips, health, safety and adoption information will be available.

Cost: Dog admission, including a doggie gift bag, is $5 per dog. Regular human admission rates apply.

Bok Tower Gardens is located at 1151 Tower Blvd., Lake Wales, FL. For more information (863) 676-1408 or www.boktowergardens. org.

Brooker Creek Preserve August 29

WWE Monday Night Raw

DoubleTree Hotel Airport September 1

MOSI August 28

Return the Preserve Day

The seventh annual Gecko Ball takes a New Orleansstyle “Gecko Gras” theme with special food, cocktails, hors d’oeuvres, live Cajun music, and a costume contest.

Nine large geckos created by local artists that are on display throughout the Gulfport Waterfront District will be auctioned off for charity. 6:00 p.m. Tickets: $35.

The Gulfport Casino is located at 5500 Shore Blvd. S, Gulfport, FL. For more information (727) 366-4086.

Latin America Trade Dinner Gala

Intoduction to Astronomy

Bok Tower Gardens September 5

Gecko Ball

Cheddar’s Casual Cafe September 2

Join this social group of single folks 55+, as we gather for food and fellowship. All single seniors are welcome to join this congenial group. 1:00 p.m.

Cheddar’s Casual Cafe is located at 4101 Park Blvd., St. Petersburg., FL. For more information call Wally (727)544-7183.

Email Your Senior Happening to: Lourdes@Seniorvoiceamerica.com

The Deadline for the September Issue is August 15th

Page 14

Senior Voice America AUGUST 2015

in your home

A/C – Q&A Q: How do I determine if I should REPAIR or REPLACE. Review the questions below. How many times do you answer YES? YES n YES n YES n YES n YES n YES n YES n

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AUGUST 2015

Senior Voice America

Page 15

self help

Goodbye to the “Old Lady” Image No more “brain farts” or “senior moments” for me. From now on, I will not perpetuate the “old-lady” myth. I recently saw my reflection in “the fountain of truth,” and it really isn’t that bad. I’m talking about getting older. I’m talking about freeing myself from a culture that constantly pictures me as wrinkled, shriveled, with gnarled hands and a fogged mind. I’m talking about freeing myself from the idea that fish lips, boob implants and an immovable face are somehow “pretty,” that one must constantly dip into the “fountain of youth” via Botox, plastic surgery and body sculpting to be worthy of recognition.

Stay calm, you disciples of Kim Kardashian; let me speak my mind. My sound, beautiful, creative mind. For too long, I, and many other seniors, have bought into the concept that we are “over the hill” because we have reached 40, have “senior moments” because we’re beyond 55, and now have “one foot in the grave” because we are nearing our 70s. If we tell folks we are retired, we might as well say we are tired—dead tired—because that seems to be the concept we conjure up: shuffling at dinosaur pace through the corridor leading to eternity.

Unfortunately, my generation has contributed to these myths and even endorsed them. How many of us have moaned that old age is not for sissies? News flash: NO age is for sissies. An infant has to contend with gas, teething, and poopies that don’t make it to a potty. Toddlers have to learn to share and not pull one another‘s hair out. Teens have puberty and acne. Midlife homo sapiens have more crises than just the wandering eye syndrome; there are bills to pay, unemployment worries and the fear that Social Security will run out before you get there. Come on, folks, take a deep breath: LIFE is not for sissies!

But back to my original rant. Why am I so upset with the world’s view of we “elderly” folk? My awakening began a couple of months ago when I started leisurely reading a copy of an award-winning anthology on aging: “When I Am An Old Woman I Shall Wear Purple.” I have long loved the poem “Warning,” by Jenny Josep,h whose first line is the inspiration for the anthology’s title.

In “Warning,” a supposedly middle-aged woman kicks butt in trying to prepare the world for her revolt against a routine, respectable, conservative life. When she is free to be who she really wants to be—that is, when she becomes “an old woman”—she will run riot with convention and shall “ pick the flowers in other people‘s gardens. . . learn to spit. . . and eat three pounds of sausage at a go.” And she shall mock the fashion world by wearing purple “with a red hat that doesn’t go.”

Ah! Give me a lifetime membership into that club, I thought to myself as I read the poem over and over again. Then I started turning the pages, and descriptions started to jump out at me that deflated my spiritual high. Phrases like “blotched and shriveled arms,” “tortoise steps,” “bulldog’s jowls,” “ barbed wire fence above the lips,” “toothless benediction,” etc. My apologies to those women who have penned these poetic metaphors, which thousands of readers have appreciated, I’m sure, but such words made me feel old, useless, ready to expire. I didn’t see myself in any of these descriptions. But I kept silent.

My fiftieth year high school class reunion rolled around at the same time I had been reading the anthology. Still buying into the myths of old age, I admit that I worried about outward appearance. I fancied getting Botox injections and all the other things that would make me “attractive, youthful-looking.” What I saw at the reunion, however, rejoiced my heart, especially among the women. Sure, there was evidence of hair coloring, maybe even teeth whitening, but I did not see puffed up lips, boob implants, butt implants, tummy tucks, or chin lifts—yet everyone was incredibly beautiful. (I apologize if any of my female classmates actually had any of these “beauty aids,” and I just didn‘t notice.).

What a vibrant group! Here were women between the ages of 67 and 69 who were Affordable Home Care You Can Trust beaming with natural beauty. Who exuded energy. Who were able to communicate without using thumbs. Who made eye contact while speaking. Who had faces that actually moved when we spoke or laughed. Who obviously loved one another, not for what we looked like, but for who we are.

I am not an old woman, but I do wear purple every day. It is my spirit’s clothing. And as author Donna Lynn Hope states, “Youth. I don’t seek it through another because I have it within.”

By Jean Mlincek

Jean Mlincek is a freelance writer who resides in St. Petersburg, Fla.

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Page 16

Senior Voice America AUGUST 2015

STORM PREPARATION

Will Your Home Withstand Storm Season?

Six Tips to Help You Prepare Year after year, Americans from Tornado Alley to the Gulf Coast to the metropolises of the Eastern Seaboard witness storms that cost millions in damage and loss of life. However, no matter where you live or what type of extreme weather you may face, there are things you can do to protect your home and family from the worst.

“When it comes to resilient design planning, the most important thing to remember is that it doesn’t have to break the bank. A few quick and easy adjustments can keep you safe,” said Greg Beste, member of the American Institute of Architects Disaster Assistance Committee and project management director, IVI Assessment Services, a CBRE Company.

with your insurance company right away, to add to their files for future reference.

• Be an expert on your house. How old is your home? What type of framing does it have? When was the roof last repaired or replaced? These are questions you should know the answers to, as they will dictate what design changes should be made.

• Make fixes easy, inexpensive and relevant. For example, are high winds a major worry where you live? Add an extra layer of protection by swapping out the shingles on your roof for a heavier material, or secure the roof sheathing with a more wind-resistant nailing pattern, using an extra box or two of nails. Know where your home is weakest; those spots are the first places to shore up in defense.

• Communicate your building goals. If you’re working with an architect to build or retrofit your home, make sure that he or she understands the importance of resiliency. Even more importantly, your contractor should feel comfortable executing these goals. Communication at every step is the key.

• Safe rooms are not a cause for panic. A safe room doesn’t have to be high-tech. With the right design and construction, your mud room, laun- dry area or even a powder room can be a safe haven in case of disaster.

• Design beyond code. Building codes are the minimum standard, and, in many cases, have not been updated to reflect the current realities. If you live in a particularly vulnerable area, an architect can advise additional measures to take—for instance, in coastal areas, building a foot higher than the minimum flood zone would indicate is recommended. Resources like www.architectfinder.aia.org can help you connect with the information and individuals you need.

Beste offered some storm season advice: • Document your home—before disaster strikes. Grab your smartphone and take photos of your home now, inside and out, covering the foundation and all interior and exterior spaces. At best, you’ll have a nice keepsake; at worst, you’ll have a visual documentation that can be used Don’t just wonder if you’ve done enough to prepare for storm season. Take for an insurance claim in case of disaster. You can also share the images action to keep your home and family safe.

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AUGUST 2015

Senior Voice America

Page 17

fUTURE PLANNING

General Durable Powers of Attorney and their Limitations

By Joyce Holly

A general durable power of attorney is a document that gives authority to another person, the designated agent, to transact in the assets of the signatory. In effect, in financial dealings, it allows the agent to “stand in the shoes” of the signatory who grants the power.

A GDPOA must be notarized. It may be presented to financial institutions, lenders, borrowers, realtors, the IRS and others. Anything that the signatory could or would do for himself or herself in handling his or her assets he or she can still do, but once the document is executed, so can the designated agent.

A GDPOA has no stated or implied provision that the signatory is cognitively incapable. No court action is needed to validate the document. Most banks or other institutions to which it is presented will presume it is valid, as long as there are no indications to the contrary.

If an individual has executed more than one GDPOA, the last dated one is the currently valid one. It is also possible to execute a revocation.

Many aging people like to execute a GDPOA as a precaution against need or if they are experiencing practical difficulty signing checks, going in and out of banks, etc. It is a popular instrument because a GDPOA is easy to execute; no court need intervene, and there need not be any official finding of incapacity.

There is a downside. A GDPOA misused can have dire consequences. In many instances, financial crime against a senior, followed by eventual impoverishment, begins with the senior executing a GDPOA. That dire warning was the subject of my article previously published in Senior Voice America, “Pitfalls of General Durable Powers of Attorney” (April 2014). Very few “legal advice” newspaper columns warn seniors that a GDPOA can be used against them. On the contrary, advice columns abound urging seniors to make a GDPOA a central part of their estate plans as an ancillary to a will.

In my experience, while such a plan works for some individuals, for others, it is a setup for financial exploitation. Even in the case of a modest estate, depending on his or her circumstances, a senior might be better off executing a revocable living trust.

Here are some reasons why.

1) The GDPOA may be brought to the senior previously unseen for signing. The senior (whether demented or not) may not appreciate the significance of the powers he or she is conferring. No senior should ever execute such a document without conferring with counsel of his or her own choosing.

Recently, I was contacted by a daughter who wanted to get her father to execute two documents: one, a document taking his home out of a revocable living trust, and two, a GDPOA. I declined to be of assistance. With the GDPOA executed in her favor as agent, and with the home not in trust but in the father’s individual ownership, the daughter would be in a catbird position to sell the home on her father’s behalf and pocket the proceeds.

2) A GDPOA, when presented to a bank or other institution, is ordinarily presumed valid, but the signatory may nonetheless be demented or otherwise cognitively impaired at the time of signing.

A horrifying, true case of this sort is depicted in the award-winning 2012 documentary film, “Last Will and Embezzlement” (Starjack Entertainment). An aging man suffering from severe Alzheimer’s Disease lived in a nursing home. His adult children assumed he was well cared for and protected. Into the nursing home marched an unrelated individual who knew the family because he belonged to the same religious congregation. The non-relative got the demented father to execute a GDPOA naming him, the unrelated individual, as the agent. He then proceeded to loot the father’s assets. The children did not become wise to the fraud until the father passed away.

3) A GDPOA can be forged. We have seen a case in which an aged, demented individual’s signature on a GDPOA was obviously forged. The signature was compared with, and seen to match, other signatures (found in public records) of the person that the document designated as the agent.

4) A GDPOA can become the subject of a GDPOA contest.

One family faction procures a GDPOA from the senior, takes it to the bank, and transacts in the assets; then, another family faction takes a later-dated GDPOA it procures from the same senior, and takes it to the bank and …Eventually, if this continues enough times, the bank is likely to tell all family members it will no longer honor any GDPOA for the account holder until and unless a court issues an order.

Speaking of court orders, if someone in the family wants to become the legal guardian and/or conservator for the senior, in many jurisdictions, whichever family member(s) is named the agent(s) in the most recently executed GDPOA will have priority in the eyes of the court.

Keeping major assets in a revocable living trust is preferable to taking the risk that a GDPOA may be misused. A trust will name an initial trustee and successor trustees. They alone have the authority to transact in the trustmaker’s assets.

The assets must be titled in the name of the trust for the trust to be of any use in protecting them. If, for instance, a senior executes a trust, and a large savings account, formerly titled in the name See GOPOA Page 23

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Senior Voice America AUGUST 2015

summertime

Refreshing and Healthy Summer Diet

We are still in the midst of our Florida summer weather, meaning not only high temperatures, but extreme humidity which makes the majority of us crave lots of cool drinks and refreshing food. The inclement heat also means that we tend to want to stay away from the kitchen and the preparation of long recipes. Another mistake of this season is the bad habit of grabbing unhealthy quick snack and junk food, as we rush from place to place trying to fit in all our outdoor plans. But, let’s stop and think of a way to stay cool and be sensible with our summer dishes, taking into consideration quick preparation, refreshment and all around healthy nutrition.

First of all, hydration is the key in summertime. Make sure to drink enough water, even if you don’t feel excessive thirst, and add plenty of fresh fruits as snack alternatives during the day. Stay as much away from carbonated soda or alcoholic beverages and hydrate with flavored waters, natural fruit juices, iced tea and mixtures of drinks, trying to keep them low on sugar. Summer fruits, are not only delicious, but are packed with nutrients, vitamins and antioxidants that are beneficial to our health. It is recommended that we consume three pieces of fruit a day, but in summer time we can increase this amount, making fruit also a part of salads, desserts, mixing them with yogurt or blending them in delicious smoothies.

Salads are our number one ally in summer, if we keep in mind that their variety and low calorie count are to our advantage. Salads in general Continues on next page

By Lourdes M. Sáenz

Health, Wealth & Wisdom

The Leading Information Source for Seniors in the Entire Tampa Bay Area !

Looking for medical or financial information?

Relevant news for seniors or mature adults?

Or just a healthy perspective on life & intelligent discussion?

Tune in as Evan and Deb bring the experts that will enhance your everyday life and bring a smile to your face.

Monday - Friday from 7-9 pm on 1250am WHNZ radio We want to hear your Voice…Call-ins welcome!

follow us on Facebook and Twitter www.seniorvoiceamerica.com Deb and Evan

AUGUST 2015

Senior Voice America

have high water content and nutrients; they help us hydrate and feel fuller with much needed fiber. A plus to salads is their endless variety, that they can be accompanied by protein such as chicken, beef, egg and cheese, or can even be mixed in with small quantities of carbs such as rice or pasta. The only think to watch is the type and quantity of dressing used, because that is where we can overdue with excess fat content. Vinegar and olive oil based dressings are much healthier than Ranch or Blue Cheese.

When it comes to main dishes during the summer, or for those fans of a bbq in their backyard, then keep in mind that it is always a healthier option to have chicken or fish instead of red meat. Also place cut up fresh veggies on the grill next to your meat of choice instead of overloading in carb heavy side dishes like potato salad and substitute the cream based dips for freshly prepared “pico de gallo” or guacamole.

For the trips to the beach, or other excurIF YOU sions where sandwiches are the usual for snack or lunch, then it is recommended to not exceed in the use of processed meats and try to make use of lean turkey or chicken breast, tuna fish or cheese slices and balance with the use of fresh veggies and multigrain bread.

And for the healthier snacking, it is a good idea to have bananas or varied nuts at hand. Bananas are rich in protein, potassium, pectin and natural nutrients that help sustain your blood sugar and prevent muscle cramps. This wonder fruit will help reduce swelling, strengthen the nervous system and even relieve anemia due to high levels of vitamin B-6. They also aid in digestion, acting as a probiotic and provide the fiber to prevent constipation. Are you feeling stressed or depressed... this is a the fruit that will help overcome the summer blues, due to high levels of tryptophan which converts to serotonin in the brain. A wonderful snack all around! Nuts are also an easy snack to take on the go and are a great source of vitamin E, antioxidants and fortify our immune system.

There is still plenty to our summer days and longer afternoons to enjoy hot temperatures and outdoor activities. So let’s keep in mind the hints to stay well, hy*Applies to Tier 1 generics. drated and healthy while 13MD0039 enjoying great tasting dishes and snacks.

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Page 19

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Senior Voice America AUGUST 2015

Entertainment Over the River and Through the Woods

Florida Studio Theatre Gompertz Theatre August 1 - 9 (Tues. - Sun.)

Hilarity abounds as Nick navigates the shenanigans of his scheming grandparents, who are trying to keep him from moving away. Through Aug. 9. Contact for show times. Tickets: $32. cirque du soleil - Varekai

Amelie Arena August 5 - 9

A dormant volcano, a mystical forest and an ancient prophecy... the adventure of Icarus begins when Varekai, Cirque du Soleil’s latest arena touring production, descends from the sky and into the Amalie Arena. Deep within a forest, at the summit of a volcano, exists an extraordinary world - a world where something else is possible. A world called Varekai. Directed by Dominic Champagne, this production pays tribute to the nomadic soul, to the spirit and art of the circus tradition, and to those who quest with infinite passion along the path that leads to Varekai. Tickets $40 – $115. Contact for show times and reservations.

Dave Coulier

Improv Comedy Theater August 7 - 9

Dave is perhaps best known as “Joey” from the hit ABC television series, Full House, which aired for eight seasons and can now be seen on the Nickelodeon and ABC Family network lineups. Dave followed this success by hosting his second prime-time hit series, America’s Funniest People, which ran on ABC for four seasons and also hosted ABC’s World’s Funniest Videos and his own series, Out of Control for Nickelodeon. Recently, Dave guest starred on How I Met Your Mother on CBS and was a guest on The Ricki Lake Show. 8:00 p.m. & 10:00 p.m. Fri., 7:30 p.m. & 10:00 p.m. on Sat. and 7:00 p.m. on Sun. Tickets: $20.

Improv Comedy Theater is located at 1600 E 8th Ave C-112, Tampa, FL. www.improvtampa.com.

Showstoppers

Straz Center - Jaeb Theater August 7 - 9

Back by popular demand, director Scott Daniel brings a brand new collection of Broadway hits and popular tunes to the stage from the Patel Conservatory group of students, grades 7 to college. 7:00 p.m. Tickets $20.

Sinbad

Ruth Eckerd Hall - Capitol Theatre August 8

Ranked by Comedy Central as one of the top 100 standup comedians of all time, Sinbad arrived on the comedy scene with a “ hit’em in the face” style of comedy that has kept audiences laughing in the aisles for over the past two decades. He freely admits that he doesn’t know any jokes, except for the ones that his dad told him “back in the day.”

Sinbad tells stories, and boy does he tell stories! The basis of his humor comes from everyone he meets, everything he’s seen and everything he’s done. 8:00 p.m. Tickets: $35 - $132*. *Sinbad “Make Me Wanna Holla” VIP Experience includes premium seats, plus Q&A, photo with Sinbad and an autographed VIP laminate.

Chris Hardwick - Live!

Straz Center - Ferguson Hall August 8

Get FUNCOMFORTABLE with Chris Hardwick - LIVE! CEO of Nerdist Industries, television personality (currently AMC’s Talking Dead, Comedy Central’s @Midnight), Wired contributor, musician, actor and stand-up, Chris Hardwick is hitting the road for a limited 14-city spring

tour. With more than 900,000 subscribers to his YouTube channel, 2.3 million Twitter fans and a podcast with 5 million monthly downloads, Chris is one of the funniest and most influential faces in nerd culture today. 8:00 p.m.

Tickets: $37.50.

Colbie Caillat

Ruth Eckerd Hall - Capitol Theatre August 9

See Colbie Caillat and her band up close in an intimate setting at the Capitol Theatre with special guest Rachel Platten. Colbie has sold over six million albums and 10 million singles worldwide. Her breakthrough hit Bubbly remains one of the bestselling digital tracks in history.

8:00 p.m. Tickets: $57.25 - $169.25*. *Colbie Caillat Meet & Greet Experience Package includes premium seats, meet & greet, 1 exclusive Colbie Caillat Trucker Hat, poster and 1 Exclusive tote bag.

Jill Scott

Mahaffey Theater August 9

Multi-platinum recording artist, New York Times bestselling poet and critically acclaimed actress Jill Scott began her career collaborating with musical icons The Roots, Will Smith and Common in the late ‘90s. Scott’s bold explorations of both erotic love and self-empowerment have given the world “A Long Walk,” “So In Love” and the classic, multi-platinum album Who is Jill Scott? Words and Sounds Vol. 1. She is a true artist who imbues her visionary music with jazz, hip hop and spoken word. 7 p.m. Tickets: $70.50-$106.50 Steely Dan

MidFlorida Credit Union Amphitheatre August 11

Known for hits including, Do It Again, Reelin In the Years and Rikki Don’t lose That Number, they will be joined by fellow ‘70s rocker, Elvis Costello who will mix up the set list, possibly playing, Alison and Radio Radio. Imposters open. 7:00 p.m. Tickets: $39-$129.

Life’s A Beach

Florida Studio Theatre August 14, 21

Using sketches, musical improv and games, this show lampoons the happening and nightlife of Sarasota while humorously explaining what gives the city its character.

Dinner and drinks available one hour prior to the show.

7:30 p.m. Tickets: $15.

The Nerd

West Coast Players Theatre August 14

William owes his life to Rick, whom he has never met, and is delighted when Rick shows up unexpectedly at his apartment. But his delight turns to dismay as he realizes that Rick is a nerd whose presence leads to one hilarious incident after another. 8:00 p.m. Tickets: $19, $15 students, $17 each groups of 10 or more.

West Coast Players is located at 21905 U.S. 19 N, Clearwater, FL. The Pearl in the Hogwaller

American Stage Theatre August 14 & 15

Award-winning national performer and St. Pete native Becca McCoy performs a solo show of her songs, Facebook statuses and personal writings, accompanied by James Weaver on piano. Part of the After Hours Cabaret Series.

8:00 p.m. Tickets: $12 advance, $15 at the door.

Hippiefest

Ruth Eckerd Hall

August 15

Hey, all you former hippies and hipsters, it’s time to let your freak flags fly once again, as the popular Hippiefest tour returns this summer to celebrate an incredible era in music and American culture. The tour kicks-off in early July and will make a stop at Ruth Eckerd Hall on Saturday, August 15 at 7 pm. The Hippiefest Market Place will open at 5:00 p.m. To say that it will be “hot fun in the summer time” and a “family affair” would be an understatement, as the legendary group, The Family Stone, will headline this year’s ten year anniversary Hippiefest tour that will feature Rick Derringer, Mitch Ryder & The Detroit Wheels and Badfinger featuring Joey Molland. If you’ve attended a Hippiefest show in the past decade, you know what to expect... an incredible evening full of good time, on your feet, rock and roll. 7:00 p.m. Tickets: $45.75 - *$125. *$125 Dinner Package includes a premium seat, pre-show dinner and a voucher for free valet parking. Valet service begins 15 minutes before pre-show dinner doors open. Artist does not appear at dinner.

Summer Concert Series: Noah & Jesse Bellamy

Carrollwood Cultural Center August 15

From blues, to Motown, to new-age folk this series features something suited to everyone’s musical taste. 8:00 p.m.

Carrollwood Cult. Ctr is located at 4537 Lowell Road, Tampa, FL. Culture Club

Madeira Beach Park August 15

Lead singer, Boy George reunites with his pop-rock, soul group, known for hits like Do You Really Want To Hurt Me and I’ll Tumble 4 Ya, to headline a festival at the newly renovated waterfront park. 3:00 p.m. Tickets: $30$179.

Concert location is at 300 Municipal Drive, Madeira Beach, FL. Music in the Marly Series: Stephen Prutsman

Museum of Fine Arts August 16

In this diverse season of informal Sunday afternoon concerts, the audience is invited to meet the musicians.

2:00 p.m. Tickets: $20, $10 students; $15 members.

Downtown St. Petersburg : 255 Beach Drive NE, St. Petersburg, FL. Rickie Lee Jones

Capitol Theatre August 19

The two-time Grammy-award winner exploded onto the pop scene in 1978, with a mix of jazz and rock. Her most recent album, The Other Side of Desire, was released just this past April. 7:30 p.m. Tickets: $39.50-$50.

The Capitol Theatre is located at 405 Cleveland St., Clearwater, FL. Broadway Smash Songbook

The Palladium August 20

Show stoppers from Broadway past and present including songs from Phantom of the Opera, Les Miserables, My Fair Lady and more, plus audience interaction and prizes.

7:30 p.m. Tickets: $15, $25 reserved.

The Palladium is located at 253 Fifth Ave. N, St. Petersburg, FL. Rob Thomas

Ruth Eckerd Hall August 20

Multiple Grammy winning artist Rob Thomas will

AUGUST 2015

Senior Voice America

Page 21

Entertainment make his third Ruth Eckerd Hall appearance. Plain White T’s will open the show.

Rob Thomas has been one of modern music’s most compelling and commercially successful artists for well over a decade – between Matchbox Twenty, his solo work, various collaborations with iconic artists like Santana, Mick Jagger and Willie Nelson, his tally now stands at more than 80 million albums sold worldwide. 8:00 p.m.

Tickets are priced at $65 - *150. *$150 Dinner Package includes a premium seat, preshow dinner and a voucher for free valet parking. Valet service begins 15 minutes before pre-show dinner doors open. Artist does not appear at dinner. Enjoy a sumptuous buffet prior to the performance for only $25 per person (includes tax). Doors open two hours prior to the performance. Due to limited seating, we suggest advance purchase.

Beres Hammond

Jannus Live August 21

The reggae legends stops in St. Petersburg during his One Love One Life tour.

7:30 p.m. Tickets: $30-$50.

Janus Live is located at 200 First Ave. N, St. Petersburg, FL. Yesterdayze

Van Wezel Performing Arts Hall August 21

Free - Outdoor Event! A high energy show band with great vocals, re-creating your favorite songs from the 60’s the era that changed modern music forever! Every tune a top-40 hit from 1960 to 1969, The Beatles, Stones, CCR, Steppenwolf and The Animals. From Motown to the British Invasion, from Elvis to Hendrix, from Aretha to Joplin, Yesterdayze delivers a nonstop blast-from-the-past you’ll never forget!

5:00 p.m.

YES & Toto

Ruth Eckerd Hal August 23

World-renowned recording artists, YES and Toto, have are joining forces this summer for a co-headlining North American tour. Among the world’s most influential, groundbreaking and respected progressive rock bands, Grammy Award-winning YES

has sold nearly 40 million albums in a career that has so far spanned more than four decades. Since its founding in 1968, YES has created much of rock history’s most important music including iconic pieces like Roundabout, Close to the Edge, I’ve Seen All Good People, Owner of a Lonely Heart, Starship Trooper and countless others.

7:00 p.m. Tickets: $53.75 - *$165. *$165 Dinner Package includes a premium seat, pre-show dinner and a voucher for free valet parking. Valet service begins 15 minutes before pre-show dinner doors open. Artist does not appear at dinner. Enjoy a sumptuous buffet prior to the performance for only $25 per person (includes tax). Doors open two hours prior to the performance. Due to limited seating, we suggest advance purchase.

Throwback Thursday

Downtown St. Petersburg August 27

Relive your favorite concert moment as Jannus Live takes you on a trip back in time to some of its most memorable concerts. Blankets and chairs recommended.

8:00 p.m. Free.

Concert location 200 First Ave. N, St. Petersburg, FL. Tickets are $40 & $32.50. Performance is at the Capitol Theatre, 405 Cleveland St, Downtown Clearwater.

Lita Ford and Kip Winger

Ruth Eckerd Hall - Capitol Theatre August 29

A British born rocker who grew up on the streets of L.A., Lita Ford, is considered one of the most important female representatives of the rock genre. Lita is a founding member of the Runaways (Cherry Bomb), one of the first girl groups who unexpectedly broke down barriers in the punk era as well as the male-dominated world or rock music, causing a stir with their six rebellious releases. Kip Winger, the multi-platinum recording artist, may be known best for his success with Winger (Seventeen, Headed For A Heartbreak.) However, the range and scope of his musical journey can be more fully experienced in his solo albums which include his most recent composition Ghosts for string orchestra, piano and harp. 8:00 p.m. Tickets $32.50 - $40

(not available online, call Cap. Thtr. (727) 791-7400.)

Patton Oswalt

Straz Center - Carol Morsani Hall August 29

A popular fixture on the stand-up comedy circuit since the late 1990s, actor and writer Patton Oswalt has balanced mainstream acceptance on the popular CBS sitcom King of Queens and Pixar’s Ratatouille (he provided the voice of Remy, the rat, in the Oscar®- winning animated film) with indie popularity from voice work on countless Adult Swim animated series’ and the Comedians of Comedy tour – a project which presented alternative-minded comics in a rock club setting. He has released a number of top-selling albums including Werewolves and Lollipops and Patton Oswalt: Finest Hour and best-selling books like 2015’s Silver Screen Fiend: Learning About Life from an Addiction to Film. 7:30 p.m. Tickets: $30 - $50.

Broadway Buffet

Sun City Center September 4

Actors Against Alzheimer’s present a fundraising concert of songs from the hit Broadway musicals, Peppin, South Pacific, Into the Woods and Annie Get Your Gun. Proceeds go the Alzheimer’s Association.

No food will be served. 7:00 p.m. Tickets: $10 advance, $15 at the door.

Concert location 1210 Del Webb Blvd.

W, Sun City Center, FL. Hour Confessions

Straz Center - Jaeb Theatre September 4

Part of the Tampa Bay Theatre Festival, the story portrais five men from different walks of life that meet weekly to discuss the many issues of life and boy do they let loose. Join them as they take you on a nonstop, comical adventure that will have you laughing from beginning to end with their “no holds barred” approach as they tackle issues such as money, sex, dating, politics, and religion. No topic is off limits with these guys. What happens within this hour, stays within this hour. Well, it’s supposed to anyways. Written and directed by Rory Lawrence. 7:30 p.m. Tickets: $27.50.

VENUE ADDRESSES AND CONTACT INFORMATION FL Studio Theatre 1241 North Palm Ave., Sarasota, FL 34236 (941) 366-9000 www.floridastudiotheatre.org Midflorida Credit Union Amphitheatre 4802 N. US Highway 301 Tampa, FL 33610 Telephone: (813) 740-2446. www.midflorida.com/amphitheatre The Historic Capitol Theatre 405 Cleveland Street Clearwater, FL 33755 Telephone: (727) 791-7400. www.rutheckerdhall.com The Lakeland Center — 701 W. Lime St. Lakeland, FL 33815.

Telephone: (863) 834-8100 www.thelakelandcenter.com The Mahaffey Theater — 400 1st. St. South, St. Petersburg, FL 33701.

Telephone: (727) 892-5798. www.themahaffey.com Ruth Eckerd Hall — 1111 McMullen Booth Rd. Clearwater, FL 33759.

Telephone: (727) 791-7400. www.rutheckerdhall.com The Straz Center — 1010 North Macinnes Place, Tampa, FL 33602.

Telephone: (813) 229-7827. www.strazcenter.org Amelie Arena 401 Channelside Dr. Tampa, FL 33602.

Telephone: (813) 301-6500. www.ameliearena.com American Stage Theatre 163 3rd Street North St. Petersburg, FL 33701 Telephone: (727)823-7529 www.americanstage.org Van Wezel Perf. Arts Hall 777 N. Tamiami Trail, Sarasota, FL 34236 (941) 953-3368 www.vanwezel.org

When It Comes to Entertaining Get out from behind your mask and list your Event for Free right here on the SVA ENTERTAINMENT PAGES!

Email your event information no later than the 15th of the month for the following month listings to: entertainment@seniorvoiceamerica.com

Page 22

Senior Voice America AUGUST 2015

Senior to Senior Woman Seeking Man D WF NS ND ISOM 58 – 66, likes to walk, flea markets, dining, the beach, relaxing at home. Only sincere reply, I’m 60 plus, LTR feel free to leave a message. Ruskin (813) 506-2369.

SWDF, petite, attractive, ISO friend 65 plus for some travel, dancing, adventure. Prefer you live anywhere North of SR 19. Dunedin (813) 758-3850.

SBF ISO LTR with someone who has plenty of positive love to give. Loves music, wknd getaways, movies, etc.

Widowers welcome. Largo (917) 376-2667.

DWF NS, Christian, attractive, likes reading, dining in or out, walking, ISO healthy Christian gentleman, 60 – 72, lives in or near Tampa area, for LTR. Tampa (813) 362-2427.

SWF SO M for companionship NS SD ok sincere and honest 70 – 80. I’m young at heart, slim and attractive, not afraid of commitment. Call and leave message 727-8431697. Trinity (NPR) (727)843-1697.

S, W, D, F ISO LTR with a southern gentleman (55 – 60) no older please!! that likes the outdoors and perhaps likes to ride Horses or Harleys. Please be a gentleman in search of somewhat of the same. NS please! SD ok as I love red wine. I am a young and attractive 55. Prefer you live within a 50 mile radius. Pasco (813) 843-7427.

SWF 74 looking for a tall, stocky build 69-80 SWM. Financially secure. SOH also. Serious replies only. Safety Harbor (727) 581-9784.

Asian retired health care profession ISO trustworthy Christian professional gentleman to share a life of caring, sharing and laughter and to walk off into the sunset with me. 69-80 yo with a sense of humor. St. Petersburg (727) 459-6103.

DWF, NS, SD 62, ISO LTR. Must have SOH, loyal honest, enjoy dining out, bingo, flea markets, movies, romantic walks on beach or staying at home. Must love animals. Tampa (813) 270-2932.

Pretty enough to stop your heart, smart enough to restart it. HH Nurse seeks private clients in Pinellas County. (This is a paid position for companion care) SeminoleLargo (727) 688-2355.

WF WD Honest European lady, NS, ND, ISO gentleman 69 plus for friendship that enjoys life. Tampa (813) 994-3238.

man Seeking WOMan WMD, 57, 6’2¸ 190 lbs with hair looking for fit female who likes Charley Stanley and knows what Phil 4.13 means. St. Petersburg (609) 822-0234.

C, S, D, W, H, M, 5’7” 180 lbs ISO of C, W W marriage minded 60 plus likes walking, movies, sports, music, church, quiet times SOH. Tampa (813) 833-3211.

DWM NS ND 66, ISO NS lady for LTR can relocate, wants committed relationship. Enjoys holding hands, kissing, hugging. No baggage or hang ups. St. Petersburg (203) 214-4711.

SWM NS, well groomed, young 62 ISO LTR with female to spend fun times outdoors, fun quite times indoors.

Palm Harbor (727) 742-4801.

I am 6ft 200 lbs, salt and pepper hair, looking for

Senior to Senior Abbreviations M: Male F: Female S: Single D: Divorced WD: Widowed W: White B: Black H: Hispanic J: Jewish

Meet that Someone Special with a FREE listing right here in

Senior to Senior

C: Christian ISO: In Search Of LTR: Long Term Relationship NS: Non-Smoker ND: Non-Drinker SD: Social Drinker SOH: Sense of Humor

camping, cruises, quiet home life. Is this you? Madeira Beach (727) 501-4093.

M, NS, SD looking for nice lady 5’5 115lbs or around for partner to dance the Argentine Tango. Clearwater (727) 797-6865.

Hello ladies. I am looking for you. You must be height-weight proportioned. Charming and very diplomatic, if you know what I mean. Tarpon Springs area (727) 992-2342.

M, WD W NS SOH lonesome active 73 life is too short to stay alone. I have a zest for life, energetic. Age, race not important. Romantic, passionate about life. Zephyrhills (315) 405-2406.

DBM 67 Looking for female friend, small to average in stature who would enjoy good conversation and companionship 60 – 70 yrs., relatively good health and wants to enjoy these golden years. Oldsmar area! (813) 304-3975.

WD M W very good health, likes golf, camping, fishing, movies, outdoors, cooking at home. Seeking F SD 45-70, short, slim, active, intimate, SD ok, smoking outdoors, no drugs, likes animals, LTR/marriage. (813) 3163684 Seeking a sweet woman to cuddle up and hug. Age, looks makes no difference. I’m 68 and lonesome. Hudson (727) 389-7147.

SWM 67 Retired Ohio teacher ISO a retired, trim, traveler, dancer, walker. Financially comfortable, hugger, thrift shopper, Positive 55 – 67 WF. Largo - St. Petersburg area (419) 215-5512.

SWM seeks companion, life partner for caring, sharing. Affectionate, good SOH, warm heart. I’m 5’6, 145 lbs, dark hair, green eyes. Sincere. Largo (727) 831-9966.

free spirit no worry no hurry. I am a young 60, St. Pete area. (727) 400-1968.

1 Date/wk, phone 24/7.Call me to talk about happy times, single Keltic Virile 5” 170lbs, 86yr old, Healthy Honorable Science-Based-Thinker, (non-smoker, drugger or bullier) listens, dances, swims, enjoys positive. St. Petersburg (727) 235-0166.

Senior to Senior™ Need a pc tutor and a pc Mail to: Senior Voice America typist? S Keltic Virile 5” – 170lbs 86yr healthy, honorP.O. BOX 1379, Lutz, FL 33548-1379 able science-based DemoEmail: sr2sr@seniorvoiceamerica.com crat (non-smoker, drinker, drugger or bullier) listens, Fax: (813) 422-7966 positive, happy – needs you.

St. Petersburg (727) 2350166.

SWM homeowner NS ND tall, healthy ISO WF to share golden years. This King needs a Queen, should enjoy movies, cooking,

EMAIL: sr2sr@seniorvoiceamerica.com

AUGUST 2015

Senior Voice America

Page 23

From INSURANCE Page 1

Death benefit: The amount a life insurance policy will pay to the beneficiary named in the policy if the person whose life is insured dies; also known as the policy’s face value. You can name a person, such as your spouse or child, or an institution, such as a favorite charity, as your policy’s beneficiary.

Permanent life insurance: There are two basic types of life insurance, term and permanent. Term insurance limits coverage to a specific term, such as five years, 20 years or a specific age. At the end of the term, the insurer can raise your rates or refuse to cover you if your health has changed. If you live beyond the term of your policy, your policy will pay no benefits.

Permanent insurance provides lifelong protection. Premiums are generally higher than for term insurance, but they remain fixed for the life of the policy. Your coverage remains in place regardless of your health status--as long as you continue to pay your premiums. All permanent insurance has a face value (death benefit) and a cash value.

Cash value: A portion of the premiums you pay for permanent life insurance goes toward paying for the death benefit, and another portion gets credited toward a savings component, the cash value. With a basic permanent life policy (whole life policy), your cash value grows at a rate of interest specified in the policy documents, called the guaranteed value. With universal life, your cash value grows according to an external index, such as U.S. Department of the Treasury bills. The cash value in your life insurance policy grows tax-free, and, once your cash value reaches a certain amount, you can withdraw or borrow funds on a tax-free basis as well. This feature makes permanent life a useful tool for saving toward long-term goals, such as paying for a child’s education or paying down a mortgage at retirement.

Guarantees: When you buy a basic “whole-life” permanent life policy, the insurer guarantees the premium payments and death benefits will remain level and that your cash value will grow at a specified minimum interest rate.

Underwriting: When you apply for life insurance, an insurance company employee known as an “underwriter” calculates your risk of death, or mortality, based on your age, gender, health status and other factors. Using that information, he/she considers the risk your business would present, decides whether to offer you coverage, determines the appropriate premium, and writes a policy to cover you.

Rider: An insurance policy rider is an attachment that modifies the coverage in your policy. A rider can add coverage (additional benefits) or take away coverage by excluding coverage for certain conditions or circumstances. Common riders include a living benefits rider (explained below) and a waiver of premium rider, which will waive all your premium payments if you become totally disabled. This allows you to continue your coverage at no cost when your medical condition would probably prevent you from obtaining coverage.

Living benefits: Some life insurance policies will pay your policy’s death benefit (full or partial) to you while you are still living, rather than to a beneficiary when you die. Living benefits arose out of the AIDS crisis of the 1980s and allow terminally ill or chronically ill individuals to access the value of their policy. On the downside, using living benefits means your beneficiary/beneficiaries will not receive the financial protection of the policy’s death benefit.

Annuity: An annuity is a contract with a life insurer that guarantees to provide periodic payments for the term you select, whether it’s your life or a specified number of years.

Payments can begin immediately or at a future date. A fixed annuity provides equal payments for the term of the annuity contract. Earnings accumulate tax-free until you withdraw money. When you buy a variable annuity, your premiums go into subaccounts that are invested in stocks and bonds, as in a mutual fund. Payments vary depending on the performance of these stocks and bonds. With either type, your earnings accumulate tax-free until you withdraw them.

Independent insurance agents and brokers can help you compare life insurance policies from many different companies, rather than just a single company. We also can take the time to explain coverage terms and options to you, and help you select the ones that best meet your needs. Please contact us if you need assistance in buying life insurance.

Eric Thompson uses his life insurance expertise to help clients every day at Senior Choice Advisors. Email him today at ethompson@seniorchoiceadvisors.com.

From GOPOA Page 17

of the senior (e.g. “Doddly Z. Smith”), is now retitled in the name of the senior’s trust (e.g. “The Doddly Z. Smith Revocable Living Trust”), then the trust can do its job, since no one will be able to access the corpus (trust assets) merely by presenting a GDPOA that the senior, signing in his own name, has executed.

An estate plan generally should include a GDPOA even when the major assets are in trust. Only someone who the signatory knows to be completely trustworthy should be named as the GDPOA agent. The original of the document should remain in the hands of the agent even after the death of the signatory. Why would this be so, given that a GDPOA is invalid upon the death of the signatory? The reason is that in some situations, one will be expected to present a GDPOA. We know of one instance in which a man went to a doctor’s office seeking his late wife’s medical records. Because the wife was deceased, the GDPOA was no longer in effect, but the world is full of officious characters who are ignorant of the law. The doctor’s assistant asked the man if he had his late wife’s “power of attorney.” He showed the GDPOA, and the assistant immediately complied by providing him with the records!

Joyce Holly is a retired attorney and the author of “Ten Stupid Things Aging Americans Do to Mess Up Their Lives and Financial Situation” as well as the novel, “An Inconvenient Old Woman.” Holly’s books are available for purchase on Amazon.com.

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Senior Voice America AUGUST 2015