LifeTimes

Simplify and Downsize for a Stress-Free Future

ACROSS

1 Fast food chain, ___’s

5 Switch partner?

9 Zeus’s blood

4 Bumpkin

18 Stable female

19 Light wood

20 Bond portrayer

21 Citrus hybrid

22 (n.) an opinion piece about horses

24 (adj.) able to play multiple opponents at the same time

26 Fanatic

27 (n.) a middle speed in horseback riding

29 Some marbles

30 The ___ of possibility

32 Jetliner watcher: abbr.

33 Phone 7

34 Singer Campbell

35 French phone greeting

36 Cyber loc.

37 People dig it

38 One who’s owed

42 (n.) salesgirl, in Italian

45 Abyss

46 She’s Inga in Young Frankenstein

47 Warning

50 (n.) the tendency of nonnative speakers to omit articles from sentences

52 The alimentary, e.g.

53 Swiss canton

54 Toho pterodactyl

57 Angler’s aid

58 Team spirit

59 Discoveries

61 Newsman Charles

64 ___ cable

65 Become vague

66 (n.) one who keeps his gun near his shirt pocket

69 Affectations

If I Wrote the Dictionary (4) by Merl Reagle

72 Intro to “Ike”

74 Tristan’s love

75 Pry

76 Wisconsin city

78 Max’s Emigrants co-star

80 Put out

82 She’s Mia in Pulp Fiction

83 Mecca folks

84 (n.) Indonesian island known for its movie-star tourists

87 Taco toppers

89 Actress Winslet

90 Fail utterly

91 (v.) remove from boxes, as bananas

94 Ralph Waldo et al.

96 Mrs. Andy Capp

97 Bumbler

98 “Guess again”

102 Handouts

103 Actress Ruby

104 Seattle-area airport, Sea-___

105 Truly intro

106 Like vinegar

109 (n.) gas for people who want to drive wherever the road takes them

112 Little one

113 (adj.) tending to stammer in front of dignitaries

115 (adj.) to get a word in edgewise

117 Popular cookie

118 Namely

119 Tanzanian border lake

120 The Firebird guy

121 Bald, as tires

122 Dispatches

123 Sharp-tasting

124 Authors

DOWN

1 Supreme Egyptian god

2 Myra in Myra Breckinridge

3 Tough

4 One way to vote

5 N.Y. women’s college

6 Somewhat

7 Hayes of music

8 Like redwoods

9 Adulterated

10 Henhouses

11 Place for an ace

12 Fact finisher

13 Entertained

14 (n.) a cannibal

15 “___ Rhythm”

16 Solver’s help

17 Peck, perhaps

19 Big snake

23 Film fan’s channel, briefly

25 Made better, as cheddar

28 O founder

31 Zip, to Federer

34 Pessimistic

36 A law ___ itself

37 Slugger Mel

38 Set one back

39 (adj.) having a sexy physique (said of Bo Derek)

40 Spoken

41 Irritate

43 “I’m all ___”

44 Sexy dance

45 Go head to head

47 Immobilize, as a perp

48 Met tune

49 (v.) to show where the wines are

51 Put an ___ (halt)

52 Trig abbr.

55 Slangy drugs

56 Eruption stuff

58 Damage

60 (n.) imprisonment

62 Green shade

63 1940s spy org.

64 Flower visitors

66 Mandolin kin, briefly

67 Beethoven’s Für ___

68 Trav. paths

70 Actress Downey

71 Pool parlors?

73 Break-___

75 House opening

76 Do an autumn chore

77 Composer Khachaturian

78 Camera part

79 Type

81 Jet letters

84 Shelf sights

The

85 Brazilian port

86 Outer: prefix

88 Ex-late night name

90 F-14 fighters

92 Aspirin source

93 Most risqué

95 Faux pas

96 Eats heartily

99 Power trouble

100 Atomic particle

101 Fruit-aroma sources

103 Celtic priest

104 Skater Harding

105 Proposition response

106 Admit frankly

107 Star hangout of 1950s Hollywood, ___’s

108 At any time

109 Boys, Boom, or Bean

110 Ale amount

111 New Deal agcy.

114 Fish eggs

116 Helpful hint

LifeTimes is produced and designed by the marketing department of the Tampa Bay Times.

EDITOR: Andrea Daly, adaly@tampabay.com

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Reach more than 429,100 LifeTimes readers*.

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America’s veterans need to enroll in Medicare the right way

BY TONI KING tonisays.com

Dear Toni,

My husband, Jason, is a Vietnam veteran and never enrolled in Medicare Part B because he uses the VA for his medical care. He is 77 years old and retired when he turned 65 about 12 years ago.

Because he is having heart issues, he wants to go to a local cardiologist that his best friend uses, and he must now enroll in Medicare for that to happen. Social Security advised Jason that he must pay more to enroll in Medicare Part B because he never enrolled when he turned 65 in 2011.

After reading your Medicare articles in our local newspaper, we need your guidance. Is there a way that he can take Part B without having to pay the extra penalty? Thank you, Toni.

Christina from Tampa, FL

Hello Christina:

Since Jason did not enroll in Medicare when he first turned 65 and was no longer working with “true” employer benefits (the key words are “is still working”), Jason will get the famous Part B “late enrollment” penalty when he enrolls in during Medicare’s general enrollment period from Jan. 1 to March 31

Now is the time for Jason to enroll in both parts of Medicare, Part A and Part B. He did not enroll in Part B when he was first eligible in 2011 and his “late enrollment” penalty is 10% for each full 12-month period that he could have had Part B but did not

sign up for it. His penalty will be for the 12 full years (12-month periods), an extra 120% each month for the rest of his Medicare life.

For 2024, Jason’s Medicare Part B penalty will be 120% times $174.70 or an extra $209.60.

Adding the penalty amount to the Part B premium of $174.70 equals $384. 30 per month.

No one ever knows when they will need to receive health care outside of a VA center. Christina, now you understand the value of enrolling in Medicare when one is turning 65, whether he/she is a veteran who uses the VA or someone who only has Medicare and will need Medicare insurance. (Chapter 1 of the ”Medicare Sur vival Guide Advanced” edition explains the rules of enrolling in Medicare the right way, especially for those with veteran benefits.)

Since Jason will be enrolled in Medicare parts A and B for the first time, the Medicare enrollment options and rules apply:

-- A Medicare supplement has a six-month open enrollment period that begins the first month enrolled in Part B, and the Medicare enrollee will not have to answer health questions for under writing After six months, complete under writing will happen.

A Medicare Advantage plan (with or without Medicare Part D prescription drug coverage), according to page 71 of the “Medicare & You 2024” handbook “starts the first day of the month after you sign up.” You must have both Part A and Part B to join a Medicare Advantage plan. Some MA plans have “extra benefits” for America’s veterans.

But there is some good news for Jason, Christina. Not enrolling in Part D (Medicare Prescription Drug plan) is a different stor y. Medicare considers the VA to be “creditable” coverage and when veterans with VA benefits enroll in Part D later, they do not get the Medicare Part D late enrollment penalty. There is NO Part D doughnut hole when you

are receiving prescriptions from the VA and are not enrolled in a Medicare Part D plan.

And there is more good news: If the premium is too expensive, Jason can remain with the VA and explore his options for non-VA medical care by contacting his VA center and asking for referrals outside his local VA .

Special note to veterans: Scott DeLuzio’s “Drive On” podcast, at driveonpodcast.com, is a resource for veterans. His podcast with Toni will be available in March.

Toni King is an author and columnist on Medicare and health insurance issues. She has spent nearly 30 years as a top sales leader in the field. If you have a Medicare question, email info@tonisays.com or call 832-519-8664. Toni’s books

and her newsletter are available at www.tonisays.com . Toni’s “Medicare Survival Guide Advanced”

edition, a simple guide that puts Medicare in “people” terms, is on sale at www.tonisays.com

Reflect, prioritize, declutter, repeat

How Swedish death cleaning can make your life easier.

BY SALLY MOE Times Total Media Correspondent

Do you have multiples of certain basics like scissors or reading glasses, but can’t find one pair when you need them? Are there items in your kitchen pantry that date back to the Bush administration? Do you have a room in your house that nobody’s allowed to see because it’s just too much of a chaotic, embarrassing mess?

All of that extra unused stuff is taking up space in your home and in your mind. Yes, it’s overwhelming. But if you don’t deal with it now, at some point in the future, a loved one

who’s sorting through your effects after you pass will have to deal with it and will feel even more overwhelmed at the prospect than you ever did!

Enter the practice of Swedish death cleaning. At first, it sounds a tiny bit morbid, but it’s actually focused on making life easier and celebrating a life well lived. First introduced in a book by Margareta Magnusson called “The Gentle Art of Swedish Death Cleaning: How to Free Yourself and Your Family from a Lifetime of Clutter,” Swedish death cleaning is a floorto-ceiling decluttering approach designed to simplify your life and after you pass make it easier for loved ones to take care of what you leave behind (including your home, debts, assets, pets and memorabilia) The process encourages reflection on the events of your life and focusing on what really matters to you. At the same time, you decide what to sell, recycle, throw out or give away

and how and where the stuff you keep should be stored, from financial records and computer passwords to beloved mementos. When to start? Magnusson suggests around age 65, because you want to still be physically able to do it, as well as have the time to invest

For pack rats and procrastinators in particular, this process can be a bear. But it’s less daunting (and less likely to be put off) when you have professionals guiding you through the steps, such as Pathfinders Downsizing Solutions. Renée Brunelle Matthews, co-founder of Pathfinders with Janeen Salzgeber, has been doing this kind of work for years, and says that while every situation is unique, the first question is often the same: “Where do I begin??”

Her advice: “Start with the unemotional stuff.” Matthews explains that what stymies people

so often in this process is emotional attachment to certain things (“My oldest made me this vase in fifthgrade art class” ... “This china was passed down from my greatgrandmother”). Start with the things that aren’t emotionally weighted: financial papers, canceled checks, old textbooks and magazines, expired medications, etc. Go room by room, space by space. When it comes time to deal with the things you feel attached to, enlist the help of a family member if you can They might want one of those special family heirlooms. But if they don’t, items like dated furniture or clothes, china, or pots and pans you no longer use can go to a deserving nonprofit, where they will enjoy a new life of usefulness and be much appreciated. More valuable items can be sold by auction or consignment, or set aside for an estate sale

Take before and af ter photos of each room. The before picture will help you see the room’s problem area s in a more detached light, giving the clutter less emot ional pull and mak ing it ea sier to pare down. The af ter picture will reinforce what you’ve accomplished.

If you’re downsizing to move into a smaller home, a tiny house or a retirement community, there is experienced local help available for you as well. As a member of the Seniors Real Estate Specialist group along with many local senior affiliations, White Glove House, led by Rande Friedman a Realtor with Future Home Realty and a certified probate/estate and senior real estate specialist has focused on this niche area for the last 15 years and finds it important and deeply rewarding. Every project has taught him something new about the process and the people he assists. He agrees with Matthews that downsizing can be very emotional, so he recommends including family members sooner rather than later. When you’re planning to downsize, Friedman says, “Prepare yourself for the emotional aspect.”

Remember the saying, “One man’s trash is another man’s treasure?” It goes both ways What is valuable to you for sentimental reasons doesn’t necessarily translate to financial value, or even to sentimental value among other family members With that said, during the later stages of downsizing, Friedman reaches out to appraisers or evaluators who will rate the more valuable items that remain to determine which avenue is preferable for getting the best possible price (i.e. auction, estate sale or consignment) For whatever is left that can’t be sold or donated, he will arrange for trash removal. Martha Stewart would surely agree: Fewer headaches during an already stressful time = a very good thing

“A loved one wishes to inher it nice things from you, not all things from you.”

she also recommends clients have a “document custodian.” This person could be an attorney or a trusted friend or relative who would keep copies of important documents in case of emergency.

If you see yourself as proactive, consider one of the following books to get you moving in the right direction.

“When I’m Gone: Death Planner Organizer” and “I’m Dead, Now What?: Important Information About My Belongings, Business Affairs, and Wishes” are planners to record all the details contacts; legal matters; health info; property info; financial affairs; what to pay, close and cancel; etc. that your survivors will need to know in the event of your passing. Such books can be helpful while you’re still kicking as well. They can help you decide whether to organize your thoughts and address gaps in preparation or to inform loved ones of your wishes if you are ever incapacitated by a stroke or other illness. And finally, for eight hours’ worth of inspiration, check out the eight-episode show inspired by Magnusson’s book: “The Gentle Art of Swedish Death Cleaning,” narrated by Amy Poehler, is available on Peacock or Apple TV.

~ The Gentle Art of Swedish Death

Cleaning

Do you have stacks of unsorted documents, junk mail, letters and other papers in random piles throughout your home? While they might not be emotionally weighted, you still could find it difficult to know which of these to shred, which to keep and the best way to store what remains so they’ll always be easy to find This aspect of decluttering is an area of focus for Ann-Eliza Musoke Taylor, a probate estate attorney with Older, Lundy, Koch & Martino. Taylor has been helping people organize and prioritize their papers and deeds for 15 years and has one bit of advice: Start small and start early, when you’re not pressured by a deadline Give yourself plenty of time to take this on and do it right.

Starting small helps build momentum without triggering that deer-in-theheadlights feeling. (She suggests assigning at least a month for the project.) Remember that not every treasured drawing has to be saved; you can scan or photograph them and store them in your computer or display the files in a digital picture frame and you’ ll probably see them more often that way! Taylor includes a document retention “cheat sheet” for her clients, to help them know which papers are important to keep;

Times Total Media is the sales and marketing division of the Tampa Bay Times. Contact ti me st ot al med ia@ ta mp abay .c om with questions.

Downsizing,

rightsizing, decluttering – whatever you call it, it’s a daunting process.

Thankfully, you don’t have to do it alone! There are people in our area who are experienced in this process and will share the burden with you, saving you time, stress and uncertainty. Renée Brunelle Matthews of Pathfinders Downsizing Solutions suggests the following steps to get started:

1. Determine what you are downsizing to. That can inform choices for the new space plan (i.e., what larger furnishings won’t fit)

2. How big is the new closet/storage space?

3. What items will you really use in your new “rightsized” lifestyle? This is very important with respect to kitchens and closets.

4. Take a critical look at what you REALLY use in your bathrooms.

5. Pare down bedding and towels for what you will need in your new smaller space.

6. Digitize family photos and gift them so all can be shared. Photo frames are also great gifts!

Remember: If you throw something away, and then need it later, simply buy a new one Don’t hold onto items for “just in case.”

Renee Brunelle Matthews, Co-owner

Janeen Salzgeber, Co-owner

Pathfinders Downsizing Solutions pathfindersdownsizing.com | 813-220-9580 | 850-445-4447

Rande Friedman

Certified probate/estate and senior realtor specialist whiteglovehouse.com | futurehomerealty.com | 813-943-2677

Ann-Eliza Musoke Taylor, Attorney

Older, Lundy, Koch & Martino olderlundylaw.com | 813-254-8998

Sources: aarp.org, smartliving365.com, whereyoulivematters.org, nasmm.org, pathfindersdownsizing.com, whiteglovehouse.com

Lifetimes Diversions

Feb. 22 – Mar. 24 • Cirque

du Soleil’s BAZZAR

Cirque du Soleil’s debut of BAZZAR, a high-energy spectacle of intrepid acrobatics, dynamic stunts and exhilarating performances pays homage to the entertainment company’s legacy. The fourth stop on its North American tour, the show will be presented at the Tropicana Field stadium under the iconic Big Top, Feb. 22 to March 24, 2024. $42-$119.

7-10 p.m. Tropicana Field, 1 Tropicana Drive, St. Petersburg. (727) 825-3137. cirquedusoleil.com.

Feb. 27 • Ronnie Dee & Helios Jazz Orchestra

Fifth-generation vocalist, composer and multi-instrumentalist Ronnie Dee is a consummate entertainer who puts his body, heart and soul into every performance. This concert features several selections from the legendary recording “Sinatra at the Sands” as

well as other Rat Pack, blues and jump songs. In its 15th season, the 18-member Helios Jazz Orchestra, directed by Dr. David Manson, has been featured on the Clearwater Jazz Holiday, St. Petersburg Jazz Festival, and Ybor Jazz Festival. $25-$35. 7:30 p.m. Tuesday. The Palladium Theater, 253 Fifth Ave. N, St. Petersburg. (727) 8223590. mypalladium.org.

Feb. 28 • PlaceMattersSP:

Underground History Documentary Screening & Panel Discussion.

Underground History explores the stories of erased communities in St. Petersburg, revealing layers of history under the city. After the screening, join in a community conversation with the filmmakers Polita Glynn and Devin Rice, and participants, moderated by Ms. Gwendolyn Reese, President of the African American Heritage Association of St. Petersburg. 5:30 doors; 6 p.m. screening. Nelson

Poynter Memorial Library, located on the USFSP campus. $10. 5:307:30 p.m. Wednesday. St. Petersburg. ptb.wildapricot.org.

Feb. 28 • Rodney Crowell Band

Nashville Songwriters Hall of Fame member & two-time GRAMMY® Award winner Rodney Crowell returns to the Bilheimer Capitol Theatre with his band! With more than 40 years of American roots music under his belt, Rodney Crowell has released twenty albums in four decades, with five consecutive number-one hits (I Couldn’t Leave You If I Tried, It’s a Small World, After All This Time, She’s Crazy For Leaving, Above and Beyond), and has also worked widely as a songwriter and a producer. Rodney Crowell is the songwriter’s songwriter and an icon among giants. $55$75. 8 p.m. Wednesday. Bilheimer Capitol Theatre, 405 Cleveland St., Clearwater. (727) 712-2717.

rutheckerdhall.com.

Feb. 29 • 12th Annual Buildings Alive! Architecture Hop

This architecture hop brings awareness to the historical preservation and cultural heritage of Ybor City. Jump on a TMZ Jolley Trolley and visit 6 of Ybor City’s historic buildings. Receive a behind-the-scenes tour while enjoying light bites at each location. Presented by J.C. Newman Cigar Company. Starts at $65. 5-9 pm. J.C. Newman Cigar Company, 2701 N. 16th St., Tampa. www.ybormuseum.org.

Feb. 29 – Mar. 10 • Florida Strawberry Festival

Guests come from near and far to enjoy exhibits of agriculture, commerce, industry, livestock, fine arts, horticulture, and crafts. The fabric of American life is woven into the festival through social events, contests, youth developmental programs, top-name

entertainment, and parades with glorious floats and highstepping marching bands. Florida Strawberry Festival, 303 BerryFest Place, Plant City. flstrawberryfestival.com.

Feb. 29 • ONES The Beatles #1 Hits

ONES – The Beatles #1 Hits performs their special presentation of the Beatles’ 27 number-one hit songs. On the big screen, you’ll experience brilliant narrations that tell the stories behind the songs, captivating backdrops, and a collection of stunning photos and videos. On the big stage, you’ll experience a 14-piece performance of top musicians who faithfully re-create the sound of the original hit records with orchestra, period-correct instruments, and exceptional vocalists. $43.25-$83.25. 8 p.m. Thursday. Ruth Eckerd Hall 1111 McMullen-Booth Road, Clearwater. (727) 791-7400. rutheckerdhall.com.

1960 Chevy Corvair

This was my very first car, a 1960 Chevy Corvair. I graduated from Jackson Memorial High School, Massillon, Ohio in 1959. I was working at Timkin Roller Bearing Company in Canton, Ohio. Along with my salary and the hundred dollars my father gave me as a graduation gift, I was able to purchase my dream car. I was so proud of my first car. It was the topof-the-line engine in the rear and of course three-speed stick shift. It had an aqua vinyl interior with blue carpet. At least three times a week I washed my car and once a month I would wax the entire car no matter the weather.

CALL

What’s the stor y behind your favorite or first car? We’d like to share it. Please send:

• Your name, city where you live and your age (with your date of bir th).

• The year, make and model of the car, with a description of the

My then boyfriend (now husband of 61 years) was drafted into the army and when he came home on leave from Fort Bragg, NC, we would cruise to the drive-ins and drive-in movies. After he was discharged in January 1964 and we were both working, we decided after much soul searching to purchase a larger vehicle. By the time we sold the Corvair, it was discharging a great amount of oil as we drove down the road and the rust had started to creep in.

But to this day, whenever I see an antique Corvair on the road I reminisce over all the wonderful times I enjoyed with my first car.

car and why you love it.

• A high-resolution photo or a scanned image. (Must be of the actual car.)

• Send to drive@tampabay.com and type My Favorite Car or My First Car in the subject line.

Lifetimes Diversions

Feb. 29 • Art on the House

Tampa Museum of Art offers Art on the House, where admission prices change to pay-as-you-will, and visitors choose whatever admission price they want to pay. Bring the family and celebrate 100 years of art in Tampa with exhibitions that emphasize ancient, modern, and contemporary art. Free+ 4-8 p.m. Thursday. Tampa Museum of Art, 120 Gasparilla Plaza, Tampa. (813) 274-8130. tampamuseum.org.

Mar. 1 • Listening Room

Festival 2024: 13th Annual Showcase

Spencer LaJoye, Daniel Neihoff, Grace Morrison, and Jenna Nicholls. It’s a truly amazing collection of singer-songwriters to delight you once again. $35-$100. 7:30 p.m. Friday. The Palladium, 253 Fifth Ave. N, St. Petersburg. (727) 822-3590. mypalladium.org.

Mar. 1 • 1st Friday Flicks

Bring your blankets or lawn chairs! Live entertainment and seating 1 hour prior to the movie. Concessions available. 8-10 p.m. Friday. Veterans Memorial Marina Park, 110 Veterans Memorial Lane, Safety Harbor. cityofsafetyharbor.com.

Mar. 1 • Lauren Daigle

The two-time GRAMMY®

Award-winning singer-songwriter brings us her Kaleidoscope Tour.

$25.75-$125.75. 7 p.m. Friday. Amalie Arena, 401 Channelside Drive, Tampa. (813) 301-6500.

Mar. 1 • Raymond James

Pops Twist & Shout: The Music of The Beatles

A tribute to 60 years of The Beatles’ journey into the hearts of Americans everywhere. The concert follows the early years of Beatlemania and the British invasion. Chelsea Gallo conducts. Tickets start at $25.75. Fri., March 1, 8 pm. floridaorchestra.org.

Mar. 1 • Stars Of The Sixties

Performances by Herman’s Hermits featuring Peter Noone, Lovin’ Spoonful, the Happenings and Chris Ruggiero. $46-$86. 7:30 p.m. Friday. Mahaffey Theater, 400 First St. S, St. Petersburg. (727) 300-2000.

Mar. 2 • Celtic Woman

Celtic Woman features four young Irish women whose performing skills bring centuries of musical and cultural tradition to life. The 20th Anniversary Tour includes a blend of traditional and contemporary Irish music that echoes Ireland’s musical and cultural heritage, while reflecting on the spirit of modern Ireland. $63-$127. 8 p.m. Saturday. Mahaffey Theater, 400 First St. S, St. Petersburg. (727) 300-2000.

Mar. 2 – Mar. 23 • Gasparilla Festival of the Arts

One of the top outdoor, juried fine arts shows in the United States,

showcasing a wide variety of art media and price points. Artists vie for nearly $100,000 in awards, including the $15,000 Raymond James Best-of-Show award. Also includes live music, culinary attractions and areas designed for children and families. Free. 9 a.m.

-6 p.m. Julian B. Lane Riverfront Park, 1001 N. Boulevard, Tampa. (813) 991-2334. gasparillaarts.com.

Mar. 2 • 30th Annual Bravura Brunch

The Florida Orchestra’s internationally acclaimed Music Director, Michael Francis, will be the featured guest at the 30th Annual Bravura Brunch benefiting The Florida Orchestra’s music, education and community programs across Tampa Bay. The Bravura Brunch offers a gourmet brunch, silent and live auctions, great music and fun surprises. Tickets start at $95. 11 a.m.-2 p.m. Saturday.

Innisbrook Golf and Spa Resort’s

continued from page 6

Edinburgh Hall, 36750 U.S. 19

N, Palm Harbor. (727) 517-6663. tfonsa.org.

Mar. 3 • Picnic in the Park

Roll back the clock a century and join us for an old-fashioned picnic in Plant Park. Bring your blanket, pack a picnic basket and invite family and friends to experience the pleasures of a simpler time. Relax in the shade and enjoy continuous entertainment on Center Stage. Community partners will be in the park, including Tampa Regional Artists, The Humane Society of Tampa Bay, The Florida Aquarium, Arts4All Florida, The Wheelmen, and more. A limited number of picnic tables are available to reserve. To make your table reservation, contact Museum Relations Manager, Daniel Carpenter at (813) 258-7302 or dcarpenter@ut.edu. 11 a.m. – 4 p.m. Henry B. Plant Museum, 401 W. Kennedy Blvd., Tampa. www.plantmuseum.com.