UtBoomerJan2011

January 2010

Kathleen Casey-Kirching, America’s First Baby Boomer

New Year’s Resolutions: Decluttering Your Life Exercising Indoors Getting Out of Debt

Just off Broadway— A Regional Premiere Musical! A beloved tale of loyalty, treachery, forgiveness and ultimate sacrifice.

This will sell out!

February 16—april 9 » · · ·

or go online at www.halecentretheatre.org

call the box office 801.984.9000

december 31—february 5 » · · ·

• • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • •

A 1946 Broadway comedy classic…

Romance, payola, trickery and hilarity run amok.

Yesterday’s laughs – current as today…

Happy New Year!

20

First Boomers turn 65 | January 1, 1946, the day it all began. Now 65 years later, the first of the population are officially senior citizens.

06

12

HOME | LIFESTYLE Simplify and Declutter Your Life

31

ARTS | ENTERTAINMENT 31 | Sundance Film Festival

HEALTH | FITNESS Tips for Keeping Your New Years Resolutions

14 | Kicking the Habit

16 | Exercising Indoors

17 | Learning Something New

26

34

32 | Winter Games

LEISURE | TIME Super Bowl Then and Now

Features

DOLLARS | SENSE It’s Not What You Do, But What You Don’t

05 | FROM THE EDITOR

27 | Resolve to Pay Down Debt

32 | UPCOMING EVENTS

25 | THIS & THAT 38 | RESOURCES

Next Month: Matters of the Heart Social Networking | Currently, 16.5 million adults ages 55 and older engage in social networking.

Dating For Boomers | Don’t despair; finding love after 46 is not an impossible task.

Heart and Vascular | Keeping the heart healthy for a long and healthy life.

Pre-Nups | Protect your first family.

Symphony | Romantic Getaways

January 2011 | 3

Editorial

Publisher................... Utah Boomers Magazine, LLC Managing Editor......................................... Teresa Glenn Contributing Writers.......................... Vickie Winterton

Elizabeth Joy, MD

Lori Maness

Linda Vernon Scholl

Robert K. Dellenbach Photography........................................ Dennis Drenden

shutterstock.com

Distribution.................................................................30,000

Advertising Sales Traci Wood 801.201.5087

Are you ready to welcome retirement with open arms?

Ask Yourself These Questions: • How can I spend your entire life savings as income, but still have every dollar I started with?

• Why do most conventional methods for generating income fail during retirement?

• How can I spot annuity agents just out for commissions and which ones are out to truly provide for my needs?

New Millennium has the people guidance and investments to help you find your way

Put New Millenniums’ Expertise Behind Your Portfolio

Cover Photo Dennis Drenden

If you are an investor with a complex portfolio, you need an experienced strategic partner to provide guidance to help meet your individual goals and needs.

Our exclusive services help you grow your assets, protect what you’ve built, minimize taxes, and pass on wealth to your heirs.

• Learn how to make your income last in retirement • Retire with greater confidence • Plan to protect your loved ones Call for a free consultation:

Utah Boomers Magazine is published monthly for the baby boomer population of Utah. The information contained in this publication may be contributed by independent writers and does not necessarily reflect the views of Utah Boomers management. Copying or electronic distribution of any content within this publication is strictly prohibited without the written permission of Baby Boomers Magazine and the author.

For reprint permission, editorial submissions or comments email teresa.glenn@utboomer.com.

Happy New Year!

As you read this, I have most likely made and broken a few resolutions. The new year represents a new beginning and most of us use this time of year to take stock of our lives, do a little soul searching, and make a list of what we can, or shouldn’t do to make our lives better. As we get older, we begin to want to do things more for health reasons than appearance. Function over form, you might say. It isn’t just the desire to live longer, but to feel good doing it. So, what are your resolutions? Eat healthier? Exercise more? Quit smoking?

Below is a list of the 10 most popular new year’s resolutions. We think they are each admirable endeavors, so we decided to give you the information you need to accomplish most of them.

1. Spend More Time with Family and Friends 2. Fit in Fitness 3. Tame the Bulge 4. Quit Smoking 5. Enjoy Life More 6. Quit Drinking 7. Get Out of Debt Enjoy Life More 8. Learn Something New 9. Help Others 10. Get Organized Here’s wishing you success with your resolutions and a happy and prosperous new year, and to take this opportunity to thank you for the amazing comments and well wishes for the continued success of this magazine. Also, it is because of our advertisers that we can bring you this magazine, so we encourage you to use their products and services, and let them know you saw them in Utah Boomers Magazine.

Until next month,

Questions and suggestions: info@utboomer.com

801-446-9950 P 801.446.9950 • F 801.446.0448 •www.newmillenniumins.com

clientcare@nmutah.com Derek@nmutah.com January 2011 | 5

Established 1954 Home of Utah’s ONLY Complete Warranty on All Products & Installations

1140 E. Wilmington Ave (2200 South) in Sugarhouse 801-488-HOT1 (4681) • www.bikramyogaslc.com

Countertops

•

Vanities

•

Decorative Surrounds

•

Tub Decks & Much More

Come Discover the True Luxury of Zero-Maintenance!

Win Two Tickets to Hale Center Theatre!

“Like” Utah Boomers Magazine on Facebook and you’ll be automatically entered for a drawing to win two tickets to the play of your choice at Hale Center Theatre.

1030 South 700 West • Salt Lake City UT, 84104 • 801. 973.2333

Drawings of all will be held on Febuary 1st and winners will be notified by facebook message. Five pair of tickets will be awarded.

6|

Visit www.kitchenandbath.com for our complete color galleries, monthly specials January & more!

2011 | 7

Number 10: Get Organized

SIMPLIFY AND DEC LUTTER YOUR LIFE January is National Get Organized Month, the time of year when many Utahns try to make good on their New Year’s Resolution to get their clutter under control. Because getting organized is typically one of the top 10 New Year’s resolutions for Americans, January is the perfect month to get organized and start the New Year living a clutter free and simplified life.

Human beings learn best by example. The parents of baby boomers never learned to purge their possessions. Boomers were taught by their parents that they should “use it up and wear it out” while at the same time hearing the media say their lives would be greatly improved if they had more of everything. Therefore, the boomer generation has a tendency to collect and store things.

For many baby boomers, a big problem in reducing that clutter is finding the time necessary to do so. Many of the boomer generation lead very busy lives. They juggle work, family and volunteer responsibilities. It leaves them so crunched for time that they struggle to find room in their schedule for decluttering and organizing. It’s easier to drop items near the front door than to put them away, and that’s where the trouble lies —literally. People put things down assuming that they’ll get to them by the end of the day and they simply do not. This is why people get buried in things.

By Vicki Winterton 88 ||

Time isn’t the only culprit when it comes to cluttered spaces.

The information load—or, rather, overload—that most people carry also plays a part. Loads of paper and incoming information in the form of email, phone massages, etc. build up; and it doesn’t take long to feel overwhelmed. Many boomers don’t know how to handle the information assault, and that’s why ordinary people are holding onto extraordinary amounts of stuff. Janet, a Utah based attorney, shared that before working with a professional organizer in January of 2010, she’d started taking her laptop to other areas of the house to work because

just walking into her home office made her feel tired and overwhelmed. Her office was used for so many purposes that it was easy to let things pile up.

Whether hiring a professional organizer or going it alone, here are three guidelines for getting clutter under control: 1. Assess the situation—Admitting that a problem exists is the

Continued

1. Access • Think 2. Create • Plan 3. Tackle • Do

Spark Formula Sort

Categorize by putting like with likes

Purge

Get rid of the items that are not important to you Pareto’s 80/20 Rule-We use 20% of our stuff 80% of the time

Assign a Home

Make it 1) logical, 2) accessible & 3) safe

Round-up Containers

1. Know what you have and what you need 2. Measure the space before you purchase 3. Label the categorized containers both front and back

Keep it up

Daily (5 to 15 minutes per space)

Expect others to help maintain

©The ACT and SPARK formulas are copyrighted by Vickie Winterton of Organizing Mind of Matter

January 2011 | 9

first step toward a solution. Decide which room to tackle first.

Then identify the problems within that room. Decide what IS working and what IS NOT. This analysis is key in knowing where to begin.

2. Create a plan—After identifying the problem, it’s time to

create a plan. This sounds easy but in fact, this step is one of the hardest for people to do. Linda, a Utah county boomer, relayed that this was often the step she would skip. Without a master plan, any organization system she created would break down after a short time because she could not see the project to completion.

3. Tackle the Project—This is the step most people start with, even though it’s third in line. The “get-to-work” phase involves a lot of, well, work. So much in fact that professional organizers break this phase into several sub-steps: Sort, Purge, Assign, Contain & Maintain. (See the included SPARK formula on page 9).

Attorney Janet, the baby boomer mentioned earlier, shared that she now feels that organizing her home office space was better than therapy. She felt like a burden had been lifted from her shoulders, and that she was in control of her environment instead of being controlled by it. She has been able to keep her home office organized this past year and has felt much less stress in her life. Additionally, she has saved an immeasurable amount of time because she can find anything she needs in her home office within minutes.

Simplifying and becoming organized is not a “do it once and live happily ever after” scenario. It is a new and better way to live life.

Vicki Winterton, a boomer herself, is a professional organizer and an organizing expert who co-hosts The Organized Woman Show online. Vicki’s Utah based professional organizing business, ORGANIZING Mind over Matter, is found at www.organizeutah. com. She offers small business, residential and senior client organizing services. Contact Vicki at 801-623-8411 for organizing help.

• SPACIOUS CLUBHOUSE • INDOOR POOL AND HOT TUB • REC ROOM • FITNESS FACILITY • MAINTENANCE FREE YARD* • VARIETY OF OPEN FLOORPLANS • MAIN FLOOR LIVING • CLOSE TO MANY AMENITIES

PICK YOUR LOT TODAY Contact:

Josh Winn 801-319-7285

*Snow removal of driveways and walkways, water and landscaping of everything not fenced in by owner.

www.PaysonHeritageVillage.com 10 |

January 2011 | 11

Number 3: Tame the Bulge

Tips for Keeping Your New Years Resolutions We’ve all done it. Each year on January 1 we make our New Year’s resolutions with the best of intentions. Lose weight. Quit smoking. Stop drinking. Start exercising. Ah, but how soon we forget.

For many, it’s only a matter of weeks before our good intentions are nothing but a distant memory and we sink right back to the comfortable habits we know aren’t good for us, but we just can’t seem to stop.

It’s a familiar story but one that can have a happier ending. I think where most people stray is in the actual resolution itself. They go through the holiday season overindulging, vowing to stop once the clock strikes midnight on New Year’s Eve. It’s not a great approach to life. A better way is to embrace a healthy lifestyle all year round, rather than flipping from one extreme to another.

Another stumbling block is biting off more than you can chew.

Everyone wants to lose weight and be healthier, but it doesn’t happen overnight. Bad habits tend to creep up slowly on us and the ill effects accumulate over our lifetime. It usually doesn’t work to think you can reverse months or years of bad habits with a vow on January first.

In order to make a successful New Year’s resolution, we must be realistic and specific with our goals. It doesn’t work to say our resolution is to get healthier, or lose weight. A better approach is to know our limitations and set realistic goals that spell things out, in small, simple steps. For example, instead of making a vague goal like “start exercising,” make a more specific goal such as a 10 minute walk, three times a week.

By making a more specific plan, you have a better chance of actually meeting and maintaining your goals. Likewise, those that make

a meaningful resolution are much more likely to achieve their goal than those who make no commitment at all. Success in achieving one’s resolution goals is based on not only desire and commitment, but a well thought out plan. Start with the goal, break it down into steps, and consider how you will assess progress, and make modifications as necessary.

The most common resolution is to lose weight and exercise more.

Given that over half of all Utahns are overweight or obese, this is a worthy goal for many of us. Excess body weight is associated with diabetes, high blood pressure, heart disease, stroke, osteoarthritis, and cancer. The increase in obesity rates in both children and adults are a consequence of excessive dietary intake combined with inadequate energy expenditure, or physical activity – what we call positive calorie balance. If for example this imbalance is only 100 calories per day (an extra banana), a typical adult will have gained 10 pounds in a year, 20 pounds in 2 years! How many of you have seen a steady increase in your weight over time? This is a common scenario and one that I see frequently amongst my patients.

Long-term, successful weight loss is absolutely dependent on a change in lifestyle, and change is hard! There are no quick fixes. I mentioned that success is dependent on a well-thought out plan.

Well, this plan is based on a thorough understanding of where you are and where you want to go. When patients ask for my assistance in achieving weight loss and exercise goals we start by discussing motivations to do so (e.g., clothes fit better, feel more self-confident, improve health, etc.). Next, we talk about current habits. What, when, where and why do they eat? What types of physical activity do they like to participate in? What resources do they have access to (personal trainer, gym membership)? What successes have they had in the past? What barriers have they faced? What family/social support do they have to implement changes in diet and exercise? You don’t necessarily need a physician to guide you through this process of self-discovery, but physicians can determine if there are any risks associated with exercise and can sometimes help with accountability.

I’m a strong believer in going after the low hanging fruit, and often it is the small changes that add up to make a big difference.

So here are a few ideas to get started on that weight loss/exercise resolution:

12 |

STOP SNACKING! It turns out that amongst adults trying to lose weight, more than half get the majority of their calories through snacks rather than meals. In general, snack foods have lower nutritional value and higher calorie density, resulting in a net calorie increase.

Eat more fruits and vegetables. These are for the most part the “perfect foods”— high in nutritional value and low in calories. To succeed, pick a few fruits and vegetables you like and stick with them.

Stop drinking your calories. Soda pop and alcohol are loaded with nutritionally bankrupt (aka “empty”) calories. We discourage children from having any sugar-sweetened beverages, and the same recommendation could be made for adults. While 1-2 alcoholic drinks per day may in fact benefit health, three, four, or five are not better! Substituting water, flavored waters, even low fat milk, for soda pop is associated with successful weight loss.

Reduce sedentary time. It turns out that time spent sitting is independently associated with higher rates of all cause mortality. Get up and move around throughout the day. Consider a walking desk. I have a TrekDesk TM which allows me to walk 1.2 miles per hour all day long. In a typical day I may walk 5-6 miles—at work! That translates into 500-600 calories of energy expenditure.

Increase physical activity. Ideally, we want adults to get 30 minutes of moderate intensity physical activity (heart beating faster and breathing harder than normal) five days per week.

This amount of physical activity is associated with lower risks of many chronic diseases and an improved quality of life. You can accumulate activity by walking the stairs rather than taking the elevator, walking or riding your bike to work, walking your dog, and gardening. You might also consider going for a walk with a friend rather than meeting for lunch. Enlisting a personal trainer if you have the resources to do so can help keep you committed to a new exercise program. You might also consider committing to take a twice-weekly yoga class with a friend.

Obviously, there are many other resolutions aside from weight loss and exercise that people make come January 1st. Saving money, learning how to say no, and improving relationships generally make the top 10 list year to year. Regardless of what you chose, start by asking yourself the critical questions, set reasonable goals and objectives, enlist appropriate help and/or support, and don’t forget to stop periodically and assess what is working and what is not. Most would agree that making a resolution is better than doing nothing, so pick one that is meaningful and achievable, and best of luck to you in 2011!

Elizabeth Joy, M.D. is a family medicine and sport medicine physician with University of Utah Health Care. She is a team physician at the University of Utah and directs the Primary Care Sports Medicine Fellowship program. Her research interests include healthy living and lifelong physical activity that promotes wellness.

Number 4: Quit Smoking

Kicking the Habit If you use tobacco, quitting should be at the top of your New Year’s Resolution list.

Lori Maness, the education and outreach coordinator at the University of Utah’s Huntsman Cancer Institute offers these strategies for kicking the habit.

See your doctor. Smoking is a health issue in which you should involve your health care provider. Although many people prefer to quit smoking on their own, they have a much higher chance of quitting when they are receiving support from a health care professional.

Take your medicine. The addiction to smoking is more than just a habit, receptors in your brain change and it becomes a physical addition. Quitting smoking can cause withdrawal symptoms which won’t be too difficult to manage if you are on appropriate medicines. Speak to your provider and pharmacist about your choices in medicines and discuss with them how to appropriately use it.

Get support. Tell everyone you know that you are quitting smoking. You are more likely to be successful if everyone knows that you are trying. Make sure you identify the most supportive people and allow them to help encourage you. Listen to their encouraging words.

No substitutions! There are many new tobacco products. When you quit smoking cigarettes don’t start smoking e-cigarettes, chewing tobacco, or use other forms of tobacco. It defeats the purpose of breaking your addiction and getting healthy. It also makes it more difficult to break your addition to nicotine. These products are for keeping you addicted. But, don’t be afraid of using nicotine replacement therapy, it is formulated to help you quit.

Keep trying. Think you have tried everything and you are doomed to a lifetime of smoking? Surprise, you haven’t tried everything. There are many new types of medications which can help, both over the counter and by prescription. Don’t give up.

Here are a few local resources that provide information, help, and support: Truth Hotline; 1-888-567-TRUTH: Speak to a quit coach and make a quit plan. You can also find a list of local classes. Visit online at utahquitnet.com National Cancer Institute’s quit program; 1-877-44U-QUIT: speak to support staff by phone, or live chat. cancer.gov/cancertopics/smoking smokefree.gov is a step by step program created by Tobacco Control Research.

There is a program specifically for women at women.smokefree.gov.

American Legacy Foundation’s quitting tobacco and getting support www.becomeanex.org.

Lori Maness has a bachelor’s degree in Behavioral Science and Health from the University of Utah and is currently working on an MBA. She has taught smoking cessation classes since 2002. Lori has managed the outreach prevention and education program at Huntsman Cancer Institute since 2006.

January 2011 | 13

Number 2: Fit in Fitness

Exercising Indoors Kathy Willets with Linda Vernon Scholl

Brrrr! It’s cold outside and you don’t want to leave the house to go to the gym. What to do? Well there are many ways you can stay fit and strong right in the comfort of your own home.

There are several ways to do this right at home: • Walk up/down your stairs.

• Jog or march in place while watching TV. • Jump rope.

• Do jumping jacks.

• Turn on some music and dance!

You should be breathing hard but able to carry on a conversation to keep it aerobic.

Cardio To keep your heart in shape, you must move briskly enough to get your blood pumping for at least 20 minutes, three times a week.

Core Strength Trunk strength or “core” work is popular these days, and with good reason. It helps reduce back pain. Here are a few quick and easy exercises for general core strength that also help you reduce inches.

Squats

Bridge. Lying on your back with your knees bent, tighten your stomach and lift your buttocks. Your body should form a straight line from your shoulders to your knees. Hold this position for five seconds, lower and repeat. This exercise tones the buttocks as well.

Trunk extension. Lying on your stomach, look at the ground with your hands at your side. Raise your chest up off the floor and hold for a minute or two.

This will help prevent osteoporosis in the spine as well as counter balance all the poor posture we have throughout the day.

We need to keep our legs strong so it is easier to squat when picking things up, which will protect our back.

Wall sit. Stand with your back against a wall and your feet about 10 inches away from the wall. Slowly bend your knees and slide your body down as far as your legs can handle. Hold the position for 30 seconds.

Repeat this 10 times a day.

Upper Body Strength Building our upper body strength helps keep our shoulders strong for those times when we have to brave the cold temperatures to shovel the snow!

Sitting in a sturdy chair with arm rests, put your hands on the arm rests, slide your body forward so your rear is off the chair and most of your weight is on your hands and some on your feet. Slowly bend your elbows “dipping” your body and pressing back up. Here’s an added benefit—two sets of 10 repetitions will help reduce arm flab.

Plank. Lie on your stomach propped up on your elbows. Lift your body up to put your weight on either your knees or your toes, again keeping your body straight from your shoulders to either the knees or toes. Hold this position as long as you can without allowing your back to sag or your buttocks rise up too high. Can you hold it 90 seconds?

14 |

Side plank (each side). Lying on your side, support your upper body on one elbow. Again, keeping your body straight, try to lift your hips and support your lower half by your knees or at your ankles. Avoid letting your trunk twist. Can you hold this for 60 seconds? If not, try lifting hips up for 10-20 repetitions. This is also a great way to slim your waist.

A gallon of milk (or a milk jug filled with water) weighs slightly more than eight pounds which is perfect for lifting. Hold the milk jug with arm at side, bend at the elbow and slowly lower again. If you are strong enough, lower the jug from your shoulder height and finish it off with a press overhead.

Try pushups with your hands on the counter top and feet away

Slow to sit. Count to 10 while slowly lowering your body into a chair to sit. Repeat throughout the day trying to do this at least 10 times. This can be done any time we sit down – desk chair, dinner table, sofa – you name it!

from the counter so your body is at an angle. Work up to 20 in a row.

These exercises are designed to help you get stronger. You should have feelings of fatigue or “that was hard or heavy” and not have pain during or after the exercise. It is a good idea to begin with only a few repetitions and build up to more as you are able.

Remember, working out doesn’t always mean exercising at a gym. Most people tend to slow down in the winter, but it’s important to stay active. You can do simple things at home to increase your activity level and build strength. Don’t let the cold temperatures keep you from staying fit this winter.

Linda Vernon Scholl is a physical therapist practicing at the University of Utah Orthopaedic Center since she graduated with her masters in 2000. In addition to treating patients, she teaches a ski fitness class to the public.

January 2011 | 15

Burn up to 500 calories in 30 minutes?

Healthy Eating for the New Year Creamy Spinach Penne prep time 15 minutes | total time 27 minutes | makes 6 servings

With a Convenient Location Near You and access to Curves everywhere

curves

Believe it.

At Curves, our 30-minute circuit works every major muscle group and you can burn up to 500 calories. All with a trainer to teach and motivate.

Cottonwood Heights Draper Holladay Kearns Magna Millcreek Murray Sandy, North Sandy, South Sugarhouse Taylorsville West Jordan West Valley

801-942-3664 801-816-9989 801-274-2276 801-966-6556 801-520-1316 801-463-0331 801-261-2922 801-748-0800 801-553-8282 801-463-1511 801-840-1616 801-566-4600 801-964-8500

What you need 3/4 lb. fresh spinach leaves, stemmed 4 cups penne pasta, uncooked 1 clove garlic 1 cup Breakston’s or Knudsen 2% milkfat Low Fat Cottage Cheese 1/4 cup milk 1/4 cup Kraft Grated Parmesan Cheese 1 tsp. dried basil leaves, crushed 1/2 tsp. salt 1/4 tsp. black pepper 1 jar (12 oz.) roasted red peppers, drained, chopped Make it Add spinach to large pot of boiling water; cook 1 min. Remove spinach with slotted spoon, reserving water in pot for cooking pasta. Rinse spinach with cold water; drain well. Chop spinach; set aside.

Return water to boil. Add pasta; cook 10 min. or just until tender. Meanwhile, blend garlic in blender until minced. Add spinach, cottage cheese and milk to blender; blend until smooth. Blend in Parmesan and seasonings.

Easy Turkey-Tortilla Roll-Ups prep time 5 minutes | total time 5 minutes | makes 12 servings What you need 3 flour tortillas (6 inch) 3 Tbsp. Philadelphia Chive & Onion 1/3 Less Fat than Cream Cheese 12 slices Oscar Mayer Deli Fresh Shaved Smoked Turkey Breast 3/4 cup shredded lettuce Make it Spread tortillas with cream cheese; top with turkey.

Place lettuce on bottom halves of tortillas; roll up.

Cut each into 4 slices.

Substitute: Prepare using Oscar Mayer Deli Fresh Shaved Ham. Calories 40 | Total fat 1.5 g | Saturated fat 0.5 g | Cholesterol 5 mg | Sodium150 mg | Carbohydrate 5 g | Dietary fiber 0 g | Sugars 0 g | Protein 2 g | Vitamin A 0% DV | Vitamin C 0 % DV | Calcium 0 % DV | Iron 0 % DV | Carb Choices: 0 Diet Exchange1/2 Starch

Drain pasta; place in large bowl. Add spinach mixture and red peppers; mix lightly.

Calories 350 | Total fat 4 g | Saturated fat 2 g | Cholesterol 10 mg | Sodium 620 mg | Carbohydrate 59 g | Dietary fiber 4 g | Sugars 6 g | Protein 18 g | Vitamin A 40% DV | Vitamin C 30% DV | Calcium 20 % DV | Iron 25 % DV| Carb Choices: 4 Diet Exchange3-1/2 Starch + 1 Vegetable + 1 Meat (L)

Fast & Easy Tiramisu *Offer based on first visit enrollment, minimum 12 mo. c.d./e.f.t. program. Discount applies to initial service fee.

New members only. Not valid with any other offer. Valid at participating locations. Š2009 Curves International, Inc.

(000) 000-0000

curves.com

REQUEST YOUR FREE INFORMATION KIT & TRIAL PASS

(000) 000-0000

(000) 000-0000

Local Address Local Address Local Address _____________________________________________________________________________________________________________________________ Name Local Address LocalPhone Address Local Address

(000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 Local Address Local Address Local Address Local Address Local Address

_____________________________________________________________________________________________________________________________ Local Address Local Address LocalCity, Address Local Address Local Address Address State Zip

(000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000 (000) 000-0000

16 |

Local Address Local Address Local Address Local Address Local Address ________________________________________________________ RequestLocal to 2191 East 3300Local South,Address Salt Lake Local Address Local Address Local Mail Address Address E-mail

City, Utah 84109 E-mail: slvcurves@gmail.com or Call: 801-463-0331

prep time 15 min | total time 4 hr 15 min | makes 12 servings What you need 2 pkg. (3 oz. each) ladyfingers, split, divided 2 Tbsp. Maxwell House Instant Coffee 1 Tbsp. sugar 1 cup boiling water 2 pkg. (8 oz. each) Philadelphia Fat Free Cream Cheese, softened 1/2 cup sugar 2 cups thawed Cool Whip Lite Whipped Topping 1 tsp. unsweetened cocoa powder Make it Arrange 1 package of ladyfingers on bottom of 13x9-inch baking dish. Dissolve combined coffee granules and 1 Tbsp. sugar in boiling water; brush 1/2 cup onto ladyfingers in dish.

Beat cream cheese in large bowl with mixer until creamy. Add 1/2 cup sugar; mix well. Whisk in Cool Whip.

Spread half the cream cheese mixture over ladyfingers in dish; top with remaining ladyfingers. Brush with remaining coffee mixture; cover with remaining cream cheese mixture. Sprinkle with cocoa powder. Refrigerate 4 hours.

Tip: Add 2 Tbsp. almond-flavored liqueur or brandy to cream cheese along with the 1/2 cup sugar.

Calories 150 | Total fat 3 g | Saturated fat 2 g | Cholesterol 55 mg | Sodium 250 mg | Carbohydrate 24 g | Dietary fiber 0 g | Sugars 21 g | Protein 7 g | Vitamin A 15% DV | Vitamin C 0% DV | Calcium 20% DV | Iron 4% DV | Carb Choices: 1-1/2 Diet Exchange1-1/2 Starch + 1/2 Fat recipes from www.kraftrecipes.com/healthy-living-ideas/main.aspx

January 2011 | 17

you’ve known for 20 years. Is it mild cognitive impairment or is it time for an evaluation for Alzheimers or dementia, two fearful states now in approach.

With these growing concerns, I registered for Brain Fitness offered thru the Osher Institute at the University of Utah.

Number 8: Learn Something New

The Osher Lifelong Learning Institute Editor’s Note: The Osher Lifelong Learning Institute at the University of Utah offers courses, lectures and events for people 50 and better. I had the privilege of being invited to an Osher member luncheon where they fed me lunch, allowed me to meet a roomful of peers, and presented the winter 2011 schedule. As each class was presented I found myself wanting to enroll. The courses offered are on subjects including art, contemporary studies, health, history, and science, medicine and technology.

The membership fee is nominal and the tuition affordable—from $109 to $179 per class. Following is a report from one of the boomer students who has participated in this outstanding opportunity.

Grey Matters We are the generation that has protested, experimented, improved and dramatically changed our lives for the better. We are now on the horizon where our minds can now falter what can we do to stop that? When is it normal aging to forget where we placed our keys, wonder why we entered a room and forget “old what’s his name” that

18 |

My six session Brain Fitness class offered an easy introduction to brain aging. The hour and half class had three different lecturers, two neurologists and one neuropsychologist. Our first goal was to become familiar with brain physiology. The high tech advancements in digital scanning now allows us to study the brain with more detail than ever before.

The brain being a complex muscle, has different sections performing different functions. As the title states “grey matter or white matter” is there a difference and how do they interact? We can think of grey matter as a huge warehouse that can amass files of information and experience, whereas the white matter stores the short term memory experiences.

What we underestimate in the caverns of the brain are the “connectors” to the short term to the long term. If the connectors are weak or overloaded, it simply doesn’t get to warehouse for storage. Brain research is limited. Its now catching up thru modern and innovative technology. What we do know is that we will be looking at a crisis as the aging baby boomers enter that fast approaching era with overburdened resources.

What can we do? Is there a memory pill, a physical exercise or a food? Are crossword puzzles the answer for preventative memory loss? Simple answers are to keep yourself active, weekly exercise 3x a week or more, eat a healthy diet limiting your intake of fat, try to minimize medications when possible, challenge your thinking with books, lectures, games and maintain social interaction. Combining activities are suggested to utilize as many parts of the brain as possible. Build new connectors because what you relied on before might not be there anymore. Is this bad news?

A report of doom and gloom that grips us in paranoia and leaves few survivors? Our generation has met challenges before, so we ask is this the one that is going to defeat us?

Fortunately located at the University of Utah is one of nation’s premier research and care facilities for Alzheimers disease and dementia, CACIR, see www.utahmemory.org for further information.

Laura Horiuchi Gaddie is a true blue Baby Boomer who will not go quietly into the good night. She watched black and white tv and didn’t play in the gutters so she wouldn’t get polio.

THOUSANDS OF UTAH

HELP US TO SAVE LIVES .

DONORS

Will you join us?

YOU make the difference!

LIVE IT. LOVE IT. SHARE IT.

DONATE FOR LIFE. HOST A BLOOD DRIVE TODAY! By sponsoring a blood donation program you can help save lives.

Many of us will need a blood transfusion at some point in our lives.

That means that you, your family, or your friends may need the support of volunteer donors.

Your company, school, or organization can help save lives. By holding blood drives at your site, you can make blood donation convenient and provide essential support to patients right here in your community.

Your pledge is to find the donors. We’ll do the rest! Call (801) 584-5272 to become a blood drive host.

your local non-profit blood collection center

(801) 584-5272 www.utahblood.org

January 1, 1946

The Day it All Began Among other notables (see sidebar), Kathleen and baby Pepper share their birth year with George W Bush (b. July 6, 1946) and Bill Clinton, (b. Aug. 19, 1946), the first baby boomers to occupy the Oval Office.

T

20 |

Beginning on Jan. 1, 2011, one person in the United States will turn 65 every eight seconds. Estimates put 10,800 U.S. boomers at the 65-year-old mark daily for the next 19 years. Over the next 10 years aging early boomers (those born between 1946 and 1955) will result in a 50% rise in the number of people 65 to 74 years old, a growth rate for that age group not seen in 50 years. Boomers reaching age 65 in 2011 can expect to live, on average, at least another 18 years. One out of every nine baby boomers will make it into his or her 90s. 1

he first baby boomers turn 65 on January 1, 2011. Kathleen Casey-Kirschling, shown above on her boat the First Boomer, is celebrated as the nation’s first of nearly 80 million baby boomers — born, as The Philadelphia Inquirer heralded at the time, a second past the stroke of midnight in Philadelphia on Jan. 1, 1946.

Baby Boom Generation by Landon Y. Jones.

Of course, on Jan. 1, 1946, nobody had any inkling that Casey-Kirschling’s birth signaled the start of a social phenomenon.

Yes, she was later anointed the first child born in America that year, but it wasn’t until 1980 she would gain celebrity status as the icon of baby boomers through the book Great Expectations: America and the

Six pounds 10 ounces of dainty pink and white femininity, Infant Pepper, daughter of Mr. and Mr. J.B. Pepper, arrived two hours 30 minutes late Tuesday to greet the new year at LDS hospital. She has the distinction of being the first institutional born baby in Salt Lake City.

Here in Utah, our first baby boomer or, at least, the first baby boomer to take delivery in a local hospital, was a daughter born to Mr. and Mrs. J.B. Pepper.

This account of her birth was published in the Jan. 1, 1946, evening edition of the Salt Lake Telegram:

The Intermountain West and Utah will experience a significant growth rate of older adults (including the aging baby boomer population). Pamela Perlich, senior research economist at the University of Utah’s Bureau of Economic and Business Research, said the state’s traditional focus on the younger generation leaves Utah “kind of unprepared” for the issues aging boomers will present. Salt Lake County may be particularly overwhelmed since it’s projected as home to 40 percent of the baby boomer growth during the next 50 years.

Based on July 1, 2009, Census Bureau numbers, 12.7% of Utah’s population was age 60 and older (or 345,050 individuals)

and that rate of growth between 2008 and 2009 was at 3.6%, which puts Utah number five in the nation for folks over 60.

A second demographic study, Getting Current: Recent Demographic Trends in Metropolitan America, discovered similar results.

Research by authors Frey, Berube, Singer, & Wilson (2009) places Intermountain West and southeastern in the top tiers of senior growth rate (and that’s population, not size). Utah is projected at a 45% rate of increase in the 65 + population and, during the period 2000–2007, Salt Lake City is ranked 19th for an increase of older adults (19%) (Population age 55 to 64).

Ogden-Clearfield ranks 20th with an 18% growth rate.1

WHAT WE CAN EXPECT The workforce Boomers make up at least a third of the nation’s work force. They fill the most skilled and senior level positions. And thanks to near-workaholic habits, they are among the most aggressive, creative, and demanding workers on the market.

These very traits, combined with longevity and healthier lifestyles, are expected to keep boomers on the job past the Social Security normal retirement age that has held steady for many years (beginning with people born in 1938 or later, that age gradually increases until it reaches 67 for people born after 1959).

On the downside, according to CFO Magazine, an estimated 25 million people

— or about one-fifth of these praiseworthy workers — are poised to leave the workforce by 2020 upon reaching retirement age. The mass exodus will not only create a shortage of workers to fill jobs — the Bureau of Labor Statistics estimates the shortfall at 2.3 million by 2014 — but it will precipitate a “boomer brain drain” that will be felt for decades.

Social Security It doesn’t take a mathematician to know that the worker-to-beneficiary Medicare ratio is much smaller than it was when the Social Security Act was signed into law on July 30, 1965. Boomers had fewer children compared to their parents. When the generation before boomers retired, the worker-to-beneficiary ratio was 16-to-one.

Currently there are 3.3 workers paying taxes into Medicare for every older American receiving services. By 2030, the ratio is projected to drop to 2.4 workers for each beneficiary.

The annual Social Security Trustees Report shows the program can stay the way it is and pay promised benefits for the next 27 years. Without any changes, scheduled benefits would be down to 75% by 2037, potentially putting the late boomers (born 1956–1964) at risk.

Healthcare According to Ardis Dee Hoven MD (Chair of the AMA Board of Trustees, September 2010), an increasing number of baby boomers will challenge an already

Famous people born in 1946

Loni Anderson Candice Bergen Cher Connie Chung Bill Clinton Fred Dryer Patty Duke Sandy Duncan Lola Falana Sally Field Al Green Joe Greene Cynthia Gregory Greg Gumbel Gregory Hines Catfish Hunter Mary Beth Hurt Reggie Jackson Tommy Lee Jones Naomi Judd Steve Kanaly Diane Keaton Gloria Loring David Lynch Barry Manilow Cheech Marin Peter Martins Lisa Minnelli Craig T. Nelson Michael Onikean Ozzy Osbourne Dolly Parton Priscilla Presley Billy Preston Robert Reich Hanna Suchoka Linda Ronstadt Susan St. James Susan Sarandon Ted Shackelford Talia Shire Ron Silver Gene Siskel Erika Slater Sylvester Stallone Oliver Stone Twiggy Donald Trump Robert Ulrich Ben Vareen Lesley Ann Warren Andre Watts Jan Wenner Jimmy Webb Desmond Wilson Neil Young

August 5 May 9 May 20 August 20 August 19 July 6 December 14 February 20 September 11 November 6 April 13 September 24 July 8 May 3 February 14 April 8 September 26 May 18 September 15 January 11 March 14 January 5 December 20 January 20 June 7 July 13 October 27 March 12 April 4 January 24 December 3 January 19 May 24 September 9 June 24 April 3 July 15 August 14 October 4 June 23 April 25 July 2 January 26 August 5 July 6 September 15 September 9 June 14 December 19 October 10 August 26 June 20 January 7 August 15 October 13 November 12

January 2011 | 21

overwhelmed healthcare system. By age 65, about two-thirds of all seniors have at least one chronic disease and consult seven physicians for their care. Twenty percent of those 65 and older have five or more chronic diseases, consult 14 physicians, and average 40 physician visits a year. The need for trained geriatric caregivers, whether they’re doctors, nurses, direct care workers, or family members, already outstrips the rising demand for these services.

Utah Births Reported for January 1 1946 Mertlich: Hyrum George and Eva Macfariane, son Miller: Henry Jr. and Frances Mae Knight, son Swope: Arthur William and Susana Mary Schneide, daughter Vaccaro: Boyd John and Echo Angenetta Jeffs, daughter Sibert: Roy R. and Ina Fern Worley, daughter Lawrence Burnett and Thelma Allecia Latimer, daughter

So, happy 65 to those 1946 baby boomers. You are the forefront of our generation. As we have done for the past decades of our lives, we will be watching you to see how it’s done.

Mr. and Mrs. JB Pepper, daughter Mr. and Mrs. Eldwin Perry, son Mr. and Mrs. Boyd Vaccaro, daughter

References

Mr. and Mrs. Ward Magelby, Manti, daughter

1 The Age Wave is Here*: The Aging of the Baby Boomers. November 2010. The first part of the age wave arrives when baby boomers turn 65 years old in 2011. A report by the University of Utah Gerontology Interdisciplinary Program (College of Nursing) Scott D. Wright, Ph.D. Edited and compiled by Scott D. Wright, Valerie Anne D’Astous, Hannah Preeth Davidson, Eunhee Kim, Christy Martinsen, Harika Khudouri

Kenneth Byron and Holly Bell Hymur, daughter William Edward and Judith Sanderson, daughter Kenneth J. and Ann Marie Kearnry, daughter

http://www.clarionledger.com/article/20101208/COL0412/12080304/1171/OPINION/

Number 9: Help Others

Volunteering, A Prescription for Staying Healthy!

The state of our economy can be depressing and cause for a lot of anxiety. People are anxious and it’s not uncommon to start feeling ill or in despair. Most people wouldn’t think that volunteering can be a prescription for a healthy lifestyle, but taking a healthy dose of ‘Giving Back’ can indeed make you feel better, more socially connected, more mentally alert, and has the benefit of your being less likely to have heart disease.

The health benefits of volunteering are well documented.

Robert Grimm, director of research and policy development for the Corporation for National Community Service in Washington, D.C. states that “People who volunteer regularly - an hour or two a week - tend to live longer, have lower rates of depression and recover more quickly from illness.”1 The positive effects of volunteering for adults 65 and older found that: • Their physical and mental health was due to the personal sense of accomplishment they received from volunteering.2

22 |

• older adults who volunteer spend about 315 hours/yr socializing with others, compared to about 243 hours for former volunteers and non-volunteers combined, the results suggest that the more time spent interacting with others helps build both social capital and good health.

The benefits of volunteering go beyond the community, it also affects the person providing the service. To summarize the conclusions of several studies, “Good health is preserved by volunteering; it keeps healthy volunteers healthy.3 Dec. 09 Women’s Day magazine article, ‘tis better to give...

1

Press Release, May 7, 2007,Volunteering Produces Health Benefits by Norris P. West, http://www.cns.gov

2

2009 Research Brief, Volunteering in America

3

Debbie Norwitz, founder of Volunteer4good, offers vacationers the opportunity to ‘give back’ during their next holiday. We have the best luxury volunteer vacations that are perfect for individuals, families, honeymooners, and corporate executives.

For more information about how to ‘give back’ to communities in need while having a wonderful holiday, contact debbie@volunteer4good.com or check out http://www. volunteer4good.com

Top Ten Tips for Using the Social Security Website

By Mickie Douglas, Social Security Public Affairs Specialist Remember when reviewing your finances required using neatly sharpened #2 pencils and calculators with paper tapes? While we may still use those shiny, yellow pencils for phone messages, it’s an online world today and you can easily take care of your retirement planning with the Social Security Administration at our website (www.socialsecurity.gov).

You can save yourself some time and travel by learning about what you can do online. Here are some tips for using our website: Tip 1: Check Out Our Top Services. Our newly redesigned homepage features a service channeling guide, which appears in the left hand column of the home page. The guide links users directly to our most popular pages on the web site – the services that you’ll most likely want to use.

Tip 2: Take Our Retirement Tutorial. When to start receiving Social Security benefits may well be the most important decision you’ll make about your retirement. Social Security has designed a tutorial to guide you through the issues related to when to begin benefits. Since “when to start” is a personal decision, we’ve provided the topics you should consider before you retire. You can start deciding “when to start” by answering the question at the bottom of the page at: www.socialsecurity. gov/retire2/applying1.htm.

Tip 3: Find An Answer. On our homepage in the lower right hand corner, you’ll find our “Have A Question?” section where you can type in your Social Security questions. The web site provides an answer and shows additional answers to similar questions that others found helpful.

Tip 4: Check Out Our Forms and Publications. The answers to everything you always wanted to know about Social Security are available through our various publications under the “Get a publication” link on the left side of the homepage under Top Services. If you and your husband are trying to figure out how much your benefits will be if you have both worked under Social Security; reading “What Every Woman Should Know” will help you understand how much you can receive. Sometimes doing business with Social Security requires completing a form and you can find the forms you need at our website.

Tip 5: Check Out How Work Affects Retirement Benefits. Continuing to work may be part of your overall retirement strategy and you need to know how your work activity affects your Social Security benefit. It could increase the amount of your monthly benefit and you may be able

to work and receive your benefits. Visit www.socialsecurity.gov/OACT/ COLA/RTeffect.html to use our calculator to see what effect your work will have on your benefit checks.

Tip 6: Give Yourself an Estimate. The Retirement Estimator www.socialsecurity.gov/estimator) allows people to get an immediate, personalized retirement estimate based on real time access to their earnings record.

You can get an estimate of retirement benefits at age 62, full retirement age and age 70. The most useful feature of The Estimator allows people to create “what if ” scenarios to see how much their benefit would be using different “stop work” ages and “future earnings” projections.

Tip 7: View Our CD on Retirement Planning. You can view a demo of our retirement planner at www.socialsecurity.gov/retire2 on the right side of the page. Here you will find all the information that you need to plan your retirement with Social Security. The CD shows you how to find your full retirement age, how reduced benefits work, the value of delaying your retirement, and how to use our Retirement Estimator.

Tip 8: View Our CD on How to File Online. Retire online because it’s so easy. You can also view the retirement application found below the Retirement Planning CD discussed in Tip 7. The demo shows the questions we ask when you file for retirement benefits. It walks you through the process from beginning to end, so that you’ll soon be telling others, “You should retire online. It’s so easy”.

Tip 9: File Online. Join the 3,148 Utahans who filed for retirement benefits online at www.soicalsocialsecurity.gov/pgm/getservices-apply.html this year. Almost half of all Utah Social Security retirement filers chose the easy online approach. They spent about 15 minutes online in the comfort of their home or office.

Tip 10: Remember Social Security’s Post-Retirement Services. There are several simple services that can save you a trip or a phone call to a local Social Security office. Lose your Medicare card? Need to change your direct deposit or address? Need to request a Proof of Income letter to show another agency or your banker? Lose your end-of-year 1099 (Social Security Benefit Statement)? You can use all of these services online and savor the additional time you add to your well deserved retirement.

It’s an online world today, so park your pencil and explore Social Security’s website at www.socialsecurity.gov.

January 2011 | 23

going on vacation? otHer family matters needing attention?

Holiday festivities or sHopping got you tied up?

Social Networking A new report from Forrester Research revealed some surprising information: apparently Baby Boomers aren’t exactly the technology Luddites that people think they are. In fact, more than 60 percent of those in this generational group actively consume socially created content like blogs, videos, podcasts, and forums. What’s more, the percentage of those participating is on the rise.

www.readwriteweb.com

Marijuana Use Among Boomers UP A survey by the federal government found the percentage of people 50 and older using marijuana went from 1.9 percent in 2002 to 2.9 percent in 2008.

The rise was most dramatic among 55- to 59-year-olds.

Their reported marijuana use more than tripled from 1.6 percent in 2002 to 5.1 percent. Observers expect further increases as 78 million boomers born between 1945 and 1964 age.

silverado sHort-term stays Our short-term stays are specifically designed to give you the time and peace of mind you need...

A secure, life-enriching community with stimulating activities, outings, pets, children and gardens.

Full-time RN and 24-hour on-site licensed nurses with expertise in Alzheimer’s and dementia care.

Transportation available for medical and other appointments.

Long-term care insurance may cover the cost of the stay.

Caregivers all specially trained in dementia care.

Call our community today and let us help you plan for your present or future Short-term stay needs.

Aspen Park 1430 East 4500 South • Salt Lake City, UT 84117 Phone (801) 272-8000

www.cbsnews.com/8301-504083_162-6231423-504083.html

“While you might be feeling a bit depressed that you are no longer young, you’re ecstatic that you’re no longer clueless.”

-Marianne Williamson

Best and Worst States to Retire In Retirement marks a new phase in a Baby Boomer’s life, and it only seems natural to relocate or move to a new home when they transition away from their primary career, or from the day-to-day rearing of school-aged children. After all, when Boomers went off to college, they lived in a new place - a dorm or an apartment. When they married, they lived in a new home, most likely moving several times to different states for a job. Today, Baby Boomers are even purchasing their home before they actually retire.

According to a Del Webb* survey, nearly a third of older Baby Boomers plan to move in retirement, with more than 50 percent planning to move to a different state, about 25 percent of them planning to move to a different city within the same state, and less than 20 percent of older Boomers planning to move within the same city.

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

10 Best States New Hampshire Hawaii South Dakota North Dakota Iowa Virginia Utah Connecticut Vermont Idaho

10 Worst States 1. Illinois 2. California 3. New York 4. Rhode Island 5. New Jersey 6. Ohio 7. Wisconsin 8. Massachusetts 9. Connecticut 10. Nevada

*Del Webb is America’s largest builder of active adult communities. http://phx.corporate-ir.net/phoenix.zhtml?c=147717&p=irolnewsArticle&ID=1412339&highlight=

Like Us On

Lic#2008-HOSP-195

www.silveradosenior.com/aspenpark

January 2011 | 25

Number 7: Get Out of Debt 1. Don’t guarantee your children’s or relatives’ debts or loan them money.

The old joke goes, if I lend my brother-in-law $20 and I never see him again, is it worth it? Every time you lend money, there is risk that it won’t get paid back. Banks like to keep losses at less than 1 percent of their loans. According to a Money magazine survey, 43 percent of readers who loaned money to family or friends weren’t paid back in full; 27 percent hadn’t received a dime. Do those sound like good odds? Before you lend money to relatives, are you prepared to bring legal action against them for nonpayment? The best way to lend money to relatives is to not do it. If you want to help them, and you can do it without harming your retirement savings, just give them the money.

2. Don’t pay your bills when you get them in the mail.

Paying bills is a hassle. Who wants to remember when to send in the bill payment so you don’t have a late fee? You

your paycheck direct deposited — it is harder to spend money you can’t touch. While most people who use direct deposit put the money into a checking account, you may want to consider depositing your paycheck into your savings account. You can then use an online transfer to move the money you will need until next payday to your checking account. This forces you to keep more money is savings.

Money left in a checking account is easier to spend on purchases you can do without.

4. Don’t take your debit card with you when you go to the grocery store Too many people don’t realize that the way you pay for groceries determines how much you spend. For example, if you buy your grandchild’s favorite cereal on your credit card and only make minimum monthly payments, you may still be paying for it when your grandchild is off to college.

You won’t have this problem if you buy your groceries with a check or debit card, but you may be tempted to buy items

Buried in Debt? 8 Financial New Year’s Resolutions to Help You Dig Out:

It’s Not What You Do But What You Don’t

By Robert K. Dellenbach, Zions Bank Vice President, Retirement Resources

I

t’s a common New Year’s tradition to make resolutions and break them shortly afterwards. So if you are one of those who once again hopes to lose weight, go to the gym every day, or pay off debt, good luck. How many years have you made these resolutions only to give up?

So instead of promising yourself to do something — which you might not do in the end — how about promising yourself to not do something?

Now you can use the same part of you that is so successful at not mowing the lawn, not doing the dishes, and not taking out the garbage to achieve New Year’s resolution success. Here are eight don’ts that can help you pay down debt and put more money toward your long-term savings goals such as retirement.

26 |

can avoid ever mailing in a bill payment again if you set everything to pay electronically. Many utility companies can set you up on automatic payments from your checking account, or you can set up a recurring automatic payment using your bank’s online bill payment service. For variable payments, you can schedule an online bill payment in advance to go out later but still in time to meet the bill payment due date, and no sooner — so you can keep your own money longer.

3. Don’t cash your paycheck Personally cashing your paycheck makes it easy to also withdraw money and spend it. You are better off to have

you could do without. Plus, if you are not careful, you might even overdraft your checking account and have to pay a fee.

Resolve to Pay Down Debt As the New Year begins, you may be hoping for fresh financial start by eliminating debt. One way to tackle your debt is by budgeting each month to pay off your loans with a debt paydown plan: 1. First, make a list of all your debts in order from smallest balance to largest. Focus on the amount owed, not the rate of interest charged. (But, if two debts are very close in amount owed, then the debt with the higher interest rate would be moved above in the list.)

2. Next, commit to pay the minimum payment on every debt each month.

3. Find room in your budget to apply extra toward the smallest debt.

4. Then, pay the minimum payment plus the extra amount towards that smallest debt until it is paid off.

You’ll enjoy the psychological benefit of achieving success so that you’ll want to continue the momentum.

5. Once a debt is paid in full, add the old minimum payment from the first debt (plus any extra amount you were paying) to the minimum payment on the second smallest debt, and apply the new sum to repaying the second smallest debt.

6. Keep up the great momentum. You don’t want to break this resolution! Repeat until all debts are paid in full.

5. Consider putting away your plastic and checkbook when you visit the grocery store Instead, bring an envelope with cash in it to pay for your food purchases. This food envelope needs to last you until your next payday. You will spend less because your cash food envelope will force you to make careful choices as you go through the store. You can easily save 10 to 15 percent of your normal monthly food budget — enough to pay for a whole month of groceries bought with plastic or check.

January 2011 | 27

6. Don’t bring your credit card with you when you go to the mall Many people like using credit cards because they earn sky miles or cash back and if they pay the balance off each month, they do not even pay interest. However, what they don’t realize is that spending with plastic makes it easier to overspend by 10, 20, even 30 percent. So if you are spending 30 percent more to get 2 percent back, is that a good deal? If you use your debit card instead, you are limited to what you have in your checking account. To spend even less, you may want to use the same cash envelope system recommended for the grocery store for other categories like clothing and entertainment. You can’t overspend an empty envelope.

7. Don’t write checks anymore Have you ever written a check that wasn’t cashed and months later it finally clears your account, causing a costly overdraft? Consider using your debit card instead.

When you use a debit card, the money is taken out of your account immediately, plus you have an online record of where you spent the money. If you do need to pay someone who can’t take a debit card, you can use cash or an online bill pay check—no risk of an uncashed check messing your budget up down the road.

8. Don’t remember your debit card PIN When using a debit card you have two options: debit (which uses your Personal Identification Number – PIN) or credit (signing your name). If you choose credit when using your debit card, you have better protection against identity theft because it goes through the zero liability credit card processing system. If you use a PIN and the processing system is breeched, the thief not only has your card number, but also your PIN. Be signature safe and pick the pen not the PIN. When has not doing something ever promised so much?

Don’t ignore these tips. It’s money in the bank you can put toward your retirement.

Robert K. Dellenbach is vice president of Zions Bank Retirement Resources. For more information, visit zionsbank.com/retirement.

Dellenbach earned a degree from the University of Utah and an M.B.A. from Brigham Young University. He has been involved in the environmental industry, energy conservation, and international business relations.

28 |

Improving Your Credit Score

Local Firm....

National Experience.

So you have contacted one of the “big three” credit bureaus (Experian, TransUnion, or Equifax) and received a free copy of your credit report. As you are looking over this information, your eye catches a number which seems to stand out from the page. You stop to scrutinize the text explaining the number, and you find out that this is your credit score. You can’t help but wonder if your 700 credit score of is a good or bad.

But is it Good Enough?

As far as the ranges of these scores go, the higher the better. A high score means both your credit rating and your credit worthiness is in pretty good shape. So, a score of 700 is pretty good when you look at the big credit picture. A score of 800 or more is considered just about perfect, so you will be looked upon fairly favorably when lenders are deciding whether or not you are a good risk. But, if your score is considerably below 800, do consider that a score in the mid 700s or higher is considered the best risk. So, you might just want to work on improving your score a little in order to get the best interest rates you possibly can.

See us for your legal needs: Wills, Trusts, Estate Planning, Business Organization, Real Estate Transactions, and General Litigation

What’s the Best Way to Improve My Score?

It’s easy to improve your credit score. Try these simple steps, and watch that score shoot upwards!

Make sure you pay your bills on time. This is possibly the most important tip for a better score.

David P. Hirschi dave@hsblegal.com Phone: 801.990.0500

Jeffrey J. Steele jeff@hsblegal.com www.hsblegal.com

Justin R. Baer justin@hsblegal.com Fax: 801.322.0594

Make sure you have at least one credit card, or at the very least, some sort of installment loan. A person with no credit at all cannot expect to have much of a score.

Don’t have any credit cards that you have not activated, but have perhaps slipped into a dresser drawer for an emergency. This is considered a dormant account, and can affect your score negatively.

Don’t have more credit cards than you really need. Too many open accounts, even when they are in good standing, will not help your score, it could actually hurt it.

Don’t open more than one separate credit card account at a time. This will cause multiple credit inquiries, which will lower the score.

If you see that you are going to be late with a credit card payment, go ahead and contact the creditor. Believe it or not, they will work with you, and your payment won’t be reported as delinquent.

Keep an eye on your credit report and make sure all the information in it is accurate.

Remember that you will probably have a slightly different score for each individual credit bureau. So, that score of 700 from Experian might turn out to be a score of 670 at TransUnion. Why is this? Some lenders only report to one, maybe two of the three big credit bureaus. The only way to know for sure if this affects your score is to get a credit report from each of the three, then compare them.

When is 700 a good credit score? Always. But do understand that if you choose to do so, you can easily improve your score.

Find out how a CIC credit report can detect fraudulent activity by visiting http:// www.creditreportguideonline.com, a popular website that helps people understand the importance of getting a TRW free credit report annually to check for inaccurate and fraudulent activity..

Article Source: http://EzineArticles.com/?expert=Ann_Richter

January 2011 | 29

DID YOU KNOW

MANY KIDS WHO START SCHOOL BEHIND IN THEIR READING SKILLS NEVER CATCH UP?

Tarantino, a video store clerk, entered Reservoir Dogs in the 1992 festival, and a legend was created.

In 1988, Steven Soderbergh was a volunteer driver for the festival. He returned in 1989, entering his film sex, lies and videotape. A studio bidding war began and the film eventually earned over $25 million at the U.S. box office. Soderbergh went on to direct such films as Erin Brockovich, Oceans Eleven, Oceans Twelve, and Oceans Thirteen.

You can help! GIVE 5 for literacy today.

Illiteracy leads to low self-esteem, unemployment, poverty and crime. Help United Way of Salt Lake build a strong foundation for learning by texting your donation today.

In 1999, Sundance featured The Blair Witch Project, which went on to become the most successful independent release of all time, grossing more than $140 million in the U.S. alone.

Learn more at uw.org/GIVE 5

In 2006, the soon-to-be megahit, Little Miss Sunshine charmed the Sundance audiences.

Hollywood’s heavyweights come in droves validating the importance of the festival.

Your $5 donation will buy a book for a low income student

filmgoers are starved for new ideas, voices and visions.

-Robert Redford In 1981, Robert Redford gathered a group of his friends and colleagues in the mountains of Utah to create an environment designed to foster independence, discovery, and new voices in American film.

The Sundance Film Festival is considered one of the top five film festivals in the world.

As part of the Sundance Institute, (created by Robert Redford to create an environment designed to foster independence, discovery, and new voices in American film), the festival has brought awareness to such filmmaker as Quentin Taratino and Robert Rodriquez.

$5 will be added to your mobile phone bill/ deducted from your prepaid account. Message and Data Rates May Apply. Full Terms: mGive.org/T.

2010 brought Bill Gates for the premiere of Waiting For Superman, a documentary about the inadequacies of the US public education system.

Tommy Lee Jones came to watch the premiere of “The Company Men” depicting the lives of three men who go from earning six-figure salaries to being barely employable after a round of corporate downsizing.

Actor-director Philip Seymour Hoffman came for the viewing of “Jack Goes Boating,” a film he directed.

As locals we are lucky. We have the opportunity to see these possible blockbusters long before they reach general distribution. In addition, you can see the best indy films, documentaries, and shorts. Sundance to offers special local only ticket packages, and offer locals only free screenings through our Best of Fest program to the local community in Park City, Salt Lake City, Ogden, and Sundance Resort.

For more information on attending the festival go to sundance.org/festival/tickets.

January 2011 | 31

Utah

Winter Games

DO YOU EVER WONDER

WHY

Jennifer Clarke

Ever dreamed of racing nearly 200 km per hour down a mountain? What about flying through the air after take-off from a Nordic jump? Well you can at this year’s Utah Winter Games.

The mission of the Utah Winter Games is to encourage and support athleticism in the hopes that participants will incorporate winter sports into a healthy and positive lifestyle. With the generous support of our community partners, venues and instructors, the Utah Winter Games is able to provide fun winter sports experiences that can be enjoyed by athletes of all ages and abilities.

YOU DO WHAT YOU DO?

The Utah Winter Games encourages people of all ages to make winter sports part of their healthy and active lifestyles, whether skiing down a mountain, skating in an arena or sledding on a luge track.

Sports

Life can be puzzling. People can be puzzling. But above

Winter sports in Utah are a lot of fun. Just ask a person who has just scored the winning goal during an ice hockey game or finished snowboarding down an amazing half pipe. Utah is not only a first-class destination for talented athletes from all over the world, it is an incredible playground for locals who love to be active during the winter months. Whether you enjoy skiing at lightning speeds down steep mountain slopes, zipping down the Luge track face down or skating on the fastest ice on earth, Utah offers winter sports fun for everyone.

all, your relationships can be most puzzling. Let's face it, and socially.

REDS have the ability to move from point A to point B and get things done. They bring great gifts of vision and leadership and are generally responsible, decisive, proactive and assertive.

Every relationship begins with YOU. Imagine the power

BLUES are the do-gooders. They value intimacy: connecting, creating

of truly knowing yourself, what motivates you, and how

Whether you are a beginner or experienced athlete, Utah Winter Games has exciting classes and clinics in sports such as:

quality relationships and having purpose. They bring great gifts of qual-

you impact the relationships in your life.

ity and are generally loyal, sincere, and thoughtful.

• Cross Country Skiing • Curling • Figure Skating • Hockey • Luge • Nordic Jumping • Skiing • Snowboarding • Speed Skating

The Color Code is an accurate measurement of your per-

WHITES have the ability to stay calm and balanced even in the midst of

sonality. Once you have learned the Color Code you will

conflict. They bring great gifts of clarity and tolerance and are generally

never see yourself or others the same again! The Color

kind, adaptable, and good listeners.

For registration assistance or information, please contact Utah Olympic Park Sport Services Staff at uwg@olyparks.com or call 1-866-OLYPARKS. We are so lucky to have these opportunities in our own backyard. You’re never too old to try something new and exciting. It’s time to live up to that New Year’s Resolution to learn something new!

32 |

all life is about relationships: personally, professionally,

WHAT COLOR ARE YOU?

Code is your best bet for understanding how to make sense out of life's relationship puzzles.

Go to www.colorcode.com to take a FREE assessment.

YELLOWS are the fun lovers. They love the joy of living life “in the moment”. They bring great gifts of enthusiasm and optimism and are generally charismatic, spontaneous, and sociable.

For the month of January, Utah Boomers Magazine readers will receive 50% off on a profile upgrade including a 22 page individualized comprehensive assessment. Go to www.colorcode.com/coupon/UTBoomers.com

THEN AND NOW In January of 1967, the oldest baby boomer was 21 years old, the youngest, just turning 3. There was much anticipation for the first AFL-NFL World Championship Game, part of the June 8, 1966 merger agreement between the NFL and the AFL. The first championship contest between the two divisions would be held January 15, 1967. It wasn’t called the Superbowl then…not until two years later, after Lamar Hunt, founder of the AFL and owner of the Kansas City Chiefs, came across his daughter’s Super Ball and was given the inspiration for the name of the championship game…the Super Bowl.

(All the previous games were renamed retroactively.)

As any football fan knows, the first contest was between the Green Bay Packers and the Kansas City Chiefs with the Packers victorious 35-10.

After the win by Green Bay, a new hero was born. The suburbs were filled with boomer boys who wanted to be MVP Bart Starr when they grew up. In little league, the number 15 was fought over. Forty four years later, his memorabilia is still enormously collectable.

This year, Super Bowl XLV will be played on Sunday, February 6, 2011 at Cowboys Stadium in Arlington, Texas. It is the first time the Dallas-Fort Worth area has hosted the game. As we go to press, it has yet to be determined who will be playing.

34 |

Salaries

Attendance

Then The average salary for an NFL player in 1967 was $25,000.00. In those days players signed a contract with a team for life. It was up to the owners whether to play, trade or waive the athlete. Players had few rights. There was no such thing as free agents.

Then Superbowl I is the only Super Bowl in history that did not sell out in terms of attendance. The then exorbitant $12 ticket price was prohibitive and so the game was played before 61,946 fans in Los Angeles’ 100,000-seat Memorial Coliseum. The television audience for this game is estimated to have been approximately 60 million viewers.

The average salary for a coach was $11,407.

Now The average NFL player today makes 1.1 million dollars, but with salaries like that of Payton Manning who signed a 7 year contract in March, 2004 for a reported $99.2 million skews the average considerably. The minimum wage for a rookie is currently $340k and the amount is renegotiated by the players union every 4 years.

Bill Belichick’s contract as head coach of the New England Patriots, makes him the highest paid coach in all of professional football, with an annual salary of $7.5 million.

Bonuses Then The Packers collected $15,000 per man and the Chiefs $7,500-the largest single-game shares in the history of team sports.

Now Winners of Super Bowl XLIV received $83,000 per man along with the much coveted Super Bowl ring, while losers took home $42,000 per man.

Now Super Bowl XLV ticket prices (as listed on Ticket Master) can be purchased for a mere $2154 to $6859 each. Cowboy Stadium has a maximum capacity, including standing room, of 110,000.

In 2010, Superbowl XLIV’s at home viewership was 106 million people, topping M*A*S*H as the most viewed program in television history.

Halftime Entertainment Then The halftime shows for the first decade of the Superbowl consisted of college marching bands. Superbowl I featured the University of Arizona and Grambling State University Marching Bands, Anaheim High School Drill Team and the notable trumpeter, Al Hirt.

It wasn’t until Superbowl XXVII in 1993, when Michael Jackson’s halftime performance became one of the most watched events in television history. For the first time the halftime show had more viewers than the game itself. Producers saw the

writing on the wall and from then on the halftime entertainment became the huge productions we see today with performers the likes of Paul McCartney, Tom Petty and the Heartbreakers, and the memorable performance by Justin Timberlake and Janet Jackson.

Now This year the Black Eyed Peas will be performing and some are already hoping for Fergie to have wardrobe malfunction.

Commercials Commercials during the Super Bowl have taken on a life of their own, leaving little time for the trips to the bathroom that were once relegated to commercial breaks. Commercials aired during the Super Bowl can generate almost as much attention as the football itself.

The first famous Super Bowl commercial for Noxzema featuring legendary New York Jets quarterback Joe Namath.

The Hungover Hero Max McGee wasn’t planning on playing in the first championship game against the Kansas City Chiefs. He hadn’t had much playing and had only caught four passes for 91 yards during the regular season.

The night before the big game, McGee, a notorious partier, was ready for some action. He’d met a couple of stewardess’ the day before, and promised them that he and best friend Paul Hornung would meet up with them that night. Paul, three days away from his wedding decided not to go.

There was a strict curfew that night. All players had lights out and bed checks by 11:00 pm. McGee would later comment, ”. . . the fine was something like $15,000 if you got caught breaking curfew the night before the game. Hell, that’s what we were going to get if we won the game.”

When Hawg Hanner, defensive line coach, did bed checks that night, McGee was tucked in with his covers pulled up around him. Hanner said, “Good thing you’re here. Lombardi told me to check you first. Don’t you sneak out, you sonofabitch. .… No sooner than Hanner left the room, McGee, fully clothed in suit and tie, jumped from under the covers and headed out.

McGee met the girls and partied through the night. As he put them in a cab the next morning, apologized Hornung hadn’t joined them.

Then In 1967, an advertiser could purchase a 30 second spot for $40,000. With inflation, that is around $245,350 in today’s dollars.

“I waddled in about 7:30 in the morning and I could barely stand up for the kickoff. On the bench Paul (Hornung) kept needling me, ‘What would you do if you had to play?’ And I said, ‘No way, there’s no way I could make it.’ ”

Now The 2011 Super Bowl commercials will cost around $3 million dollars for a 30 second spot.

Add in the production costs, current Super Bowl ads cost $165 million dollars to air.

Reportedly, he told Dowler: “I hope you don’t get hurt. I’m not in very good shape.”

As with most things of our generation, the Super Bowl has grown in magnitude from what it was when we were young. Purists wish for the simplicity of the old days, when it was all about the game, but for many out there, the game is secondary to the excitement of the parties, the half-time show and, of course, the commercials.

The 34-year-old veteran was seated on the bench next to Hornung, discussing the upcoming wedding and bachelor party, when Lombardi ordered him into the game after Dowler was injured on the second play of the game.

“Max didn’t even have his helmet,” recalls Hornung. “Hawg Hanner, our defensive line coach, had to throw him one.” Moments later, McGee scored the first touchdown in Super Bowl history, on a 37-yard pass from quarterback Bart Starr. McGee finished with seven catches for 138 yards and two scores as Green Bay dumped Kansas City 35-10.

January 2011 | 35

January Events

Sandwiches Deli Trays Specialty Cheeses Gourmet Deli Items Gift Baskets Breads Pastries Ready-Made Meals Lunch Served Daily Present this Coupon to Receive $5.00 off Your Next Purchase

FRANK GRANATO IMPORTING COMPANY

Salt Lake City • 1390 S 300 West • 801 486-5643 Holladay • 4040 S 2700 East • 801-277-7700

Through January 30 Gallivan Center Ice Rink

January 6 through January 29 Greater Tuna

January 14 through January 15 Spring Awakening

239 South Main Street , Salt Lake City Monday-Thursday 4:30 pm–9:00 pm, Friday-Saturday 12:00 pm–11:15 pm, Sunday 12:00 pm–7:00 pm General Admission $5

Rose Wagner Studio Theatre 138 West 300 South, Salt Lake City www.wasatchtheatre.org

Through January 31 Hunt Mysteries Dinner Theater

Kingsbury Hall Friiday 8pm, Saturday 2pm and 8pm Spring Awakening contains strong language, partial nudity and adult situations—parental discretion is advised.

801.581.7100

Jordanelle State Park–Event Center $10 per vehicle with up to eight people or free to Utah State Parks Pass holders 435.782.3030

Spaghetti Mama’s 75 East 9400 South , Sandy $10-$17.50 866.569.1482

Through February Faces: Selections from the Permanent Collection of Modern and Contemporary Art Utah Museum of Fine Arts 410 Campus Center Drive, Salt Lake City Tuesday, Thursday & Friday 10:00am–5:00pm Wednesday 10:00am–8:00pm Saturday & Sunday 11:00am–5:00pm $7 Adults, $5 Seniors (65+)

Through April 1 Friday Night Wine Series FoxSchoolofWine.com Snow Park/Lower Deer Valley parking lot Deer Valley 435.655.WINE (9463) $20/person

January 8 Learn how to Snowshoe

January 8 through January 13 Powder Tracks Ski Clinic Alta Lodge 10232 E. Little Cottonwood Canyon Road, Alta $2,665 per person double occupancy 801.742.3500

January 11 Polar Obsession: Confronting a Melting Planet Westminster College 1840 South 1300 East, Salt Lake City 7:00 pm 801.832.2457 This event is free and open to the public

January 19 Jeff Dunham

January 6 Last Comic Standing Tour

123 W. South Temple, Salt Lake City 8:00 pm $39.50

January 15 through January 23 Hansel and Gretel Capitol Theatre 50 West 200 South, Salt Lake City Monday–Saturday 7:30 pm, Sunday 2:00 pm $15-75 www.utahopera.org/concert-detail.php?id=274

January 19 through January 29 Peter Pan De Jong Concert Hall Brigham Young University, Provo $2-$21 801.378.4322

January 27 through January 30 St. George Winter Bird Festival Tonaquint Nature Center 1851 S. Dixie Drive, St. George www,redcliffsaudubon.org or www.sgcity.org/ birdfestival

January 6 through February 10 The New Years Resolution Money Seminar South Jordan Library Provo Library: Bullock Room #309 (3rd Floor) North Branch Library - Clearfield Weber County Main Library Davis County Library–South Branch Library Salt Lake City Library 7:00 pm Free

January 14 Kevin Hart Laugh At My Pain Tour

January 28 through February 14 Love Letters Energy Solutions Arena 301 West South Temple, Salt Lake City 7:30 pm $67–$79

Covey Center for the Arts 425 West Center Street, Provo 7:30 pm 801.852.7007 $10 Email your events to: info@utboomer.com

Peery’s Egyptian Theatre 2415 Washington Boulevard, Ogden 7:00 pm

January 2011 | 37

Resources Advocacy AARP of Utah

801.561.1037 Utah Dept of Aging and Adult Services (DAAS) Phone: 801.538.3991 www.hsdaas.utah.gov/ Utah State Courts Estate Planning & Probate www.utcourts.gov/howto/wills/ Phone: 801.578.3800 Social Security Administration 1.800.772.1213 www.ssa.gov SAGE Utah Services & Advocacy for GLBTQ Elders www.glccu.com/programs/lgbtq-elders-50

Dental Services Employment Services Legal Services

Utah Legal Services.................800.662.4245

Financial Services Healthcare Resources Alzheimer’s Association of Utah 801.265.1944

American Cancer Society of Utah 801.483.1500 American Chronic Pain Association 800.533.3231 American Diabetes Association-Utah 801.363.3024 George E. Wahlen Department of Veterans Affairs Medical Center 500 Foothill Drive Salt Lake City, Utah 84148 Phone: 801.582.1565

Pet Services Respite Care

Medical Home Portal www.medicalhomeportal.org CHTOP Chapel Hill Training-Outreach Program chtop.org/ARCH/National-Respite-Locator. html helpwithmyparents.org Connecting caregivers and professionals

38 |

Senior Centers

Most Senior Centers supply transportation and meals. They are open Monday through Friday, and the hours varies. Call your center for times.

Davis County

Autumn Glow Center 81 East Center Kaysville, UT 84037 Phone: 801.544.1235 Golden Years Center 726 South 100 East Bountiful, UT 84010 Phone: 801.295.3479 Heritage Center 140 East Center Clearfield, UT 84015 Phone: 801. 773.7065

Salt Lake County Columbus Senior Center 2531 South 400 East Salt Lake City, UT 84115 Phone: 801.412.3295 Draper Senior Center 12350 South 800 East Draper, UT 84020 Phone: 801.572.6342 Eddie P. Mayne Kearns Senior Center 4851 West 4715 South Salt Lake City, UT 84118 Phone: 801.965.9183 Friendly Neighborhood Center 1992 South 200 East Salt Lake City, UT 84115 Phone: 801.468.2781 Harman Senior Recreation Center 4090 South 3600 West West Valley City, UT 84119 Phone: 801.965.5822 Kearns Senior Center 4850 West 4715 South Salt Lake City, UT 84118 Phone: 801.965.9183 Liberty City Center 251 East 700 South Salt Lake City, UT 84111 Phone: 801.532.5079 Magna Center 9228 West 2700 South Magna, UT 84044 Phone: 801.250.0692 Midvale Senior Center 350 West Park Street 7610 S) Midvale, UT 84047 Phone: 801.566.6590

Mount Olympus Senior Center 1635 East Murray Holladay Road Salt Lake City, UT 84117 Phone: 801.274.1710 River’s Bend Senior Center 300 North 1300 West Salt Lake City, UT 84116 Phone: 801.596.0208 Riverton Senior Center 12891 South Redwood Road Riverton, UT 84065 Phone: 801.254.7609 Sandy Senior Center 9310 South 1300 East Sandy, UT 84094 Phone: 801.561.3265 South Jordan Senior Center 10778 South Redwood Road South Jordan, UT 84095 Phone: 801.302.1222 Sunday Anderson Westside Senior Center 868 West 900 South Salt Lake City, UT 84104 Phone: 801.538.2092 Taylorsville Senior Citizen Center 4743 South Plymouth View Dr. Taylorsville, UT 84123 Phone: 801.293.8340 Tenth East Senior Center 237 South 1000 East Salt Lake City, UT 84102 Phone: 801.538.2084 West Jordan Center 8025 South 2200 West West Jordan, UT 84088 Phone: 801.561.7320

Washington County Council on Aging www.washco.utah.gov/contact The Washington County Council on Aging provides services for senior citizens 60 and older. These include classes (pottery, painting, aerobics, yoga, square dancing, and computer training) tax assistance during tax season and other services. Nutrition is a main focus of the senior centers.

In-house meals are served as well as Meals on Wheels. The following centers are supported in part through the donations of those patrons who use the facilities.

Gayle & Mary Aldred Senior Center 245 North 200 West St. George , UT 84770 435.634 . 5743 Washington County Senior Citizens 150 East 100 South Street Enterprise, UT 84725 435.878.2557

Hurricane Senior Citizens Center 95 N 300 W Hurricane, UT 84737 435.635.2089

Volunteering

Utah State Parks Volunteer Coordinator 1594 W North Temple, 116 Salt Lake City, UT 84116 (801) 537-3445 robinwatson@utah.gov The Nature Conservancy in Utah www.nature.org/wherewework/northamerica/states/utah/volunteer/ Volunteer Match www.volunteermatch.org/ United Way www.unitedwayucv.org/volunteer/ Utah Commission on Volunteers volunteers.utah.gov/ Red Butte Garden Call 801-585-5688 No More Homeless Pets in Utah 8029 South 700 East Sandy, UT 84070 801-432-2124 To include your services in this space call Traci Wood at 801.201.5087

HANSEL AND GRETEL

LITTLE WOMEN

FALSTAFF

BY ENGELBERT HUMPERDINCK JANUARY 15, 17, 19, 21 | 7:30 PM & JANUARY 23 | 2 PM CAPITOL THEATRE

BY MARK ADAMO MARCH 12, 14, 16, 18 | 7:30 PM & MARCH 20 | 2 PM CAPITOL THEATRE

BY GIUSEPPE VERDI MAY 14, 16, 18, 20 | 7:30 PM & MAY 22 | 2 PM CAPITOL THEATRE

Get Utah Opera SeaSOn ticketS at a Great diScOUnt! Save 20% when you purchase season tickets to the three 2010-11 remaining opera performances. Season packages start at $24 for Monday and Wednesday performances and $36 for weekend!

TO SUBSCRIBE, CALL 801-533-NOTE (6683) AND MENTION THIS AD Offer good now until January 15, 2011. For more information about UTAH OPERA, visit UTAHOPERA.ORg.