Lifestyles After 50 Southwest Edition, November 2015

GIVE THANKS

Southwest • FREENovember 2015 • Vol. 26

VETERANSDAY

NOV 11

VETERANSDAY

NOV 11

VETERANSDAY

NOV 11

Lifestyles After 50 • November 2015 • page 2

Less Stress, More Memories: Holiday Meal TipsYou can easily prepare foods for a

large family without breaking the bank. To save time, money and stress when making meals for your loved ones give one of these tips a try:1. Keep it simple. Healthy and creative meals don’t have to be complicated. The simpler the menu, the less money and stress it will cost you in the end.2. Allow your family to help. Divide jobs among family members. Remember—kids love to be in the kitchen! With help, you can get more done and have more time to enjoy with your family.3. Enjoy yourself. If you feel yourself becoming stressed, take a deep breath. Have fun and enjoy spending time with those closest to you.

4. Options for the holidays. Try having a brunch. Breakfast foods like eggs are less expensive and make a great protein for the main dish. Another fun idea is to have a yogurt parfait bar, where

everyone can add their favorite toppings to yogurt.5. Make it a potluck. Potlucks are a great option for large families. Prepare a side dish and let each family member make the rest. It creates less work for you and allows everyone to make and sample each other’s creations.

Tired of counting pennies? Discover more about nutrition assistance programs and thrifty holiday recipes by visiting this helpful link:https://snaped.fns.usda.gov/taxonomy/term/894/all/feed Information from choosemyplate.gov.

No-Cook Meal: Roasted Turkey Wraps with Green Apples and Brie

Take it easy this holiday with this fun and

simple no-cook turkey recipe. This sophisticated sandwich will appeal to children as much as it will to adults. Crunchy apples, tangy Dijon and creamy Brie beautifully complement the savory roast turkey, while the whole-wheat wraps keep the meal manageable. If you can’t find watercress, feel free to substitute another leafy sandwich green.Ingredients:4 whole-wheat wraps4 tablespoons honey mustard, store-

bought or a mixture of equal parts honey and Dijon mustard

1 pound roasted turkey, thinly sliced1/ 2 pound Brie cheese, cut lengthwise

into 4 equal slices1 Granny Smith apple, halved, cored

and thinly sliced1 bunch watercress, tough stems removed

Directions:1. Slather 1 side of each wrap with 1 tablespoon of the honey mustard.2. Place one-fourth of the turkey slices in the center of each wrap. Top each portion of turkey with 1 slice of cheese. Arrange the apple slices and then the watercress on top of the cheese, dividing them evenly. 3. Gently fold over the sides of the wrap and press over the filling, tucking the edges snugly like a burrito. Cut each sandwich in half diagonally and serve. Serves 4. (Excerpt from “19 No-Cook Recipes”: grandparents.com)

1200 W. Retta EsplanadePunta Gorda, FL 33950


Dear Readers,

I’ve been the editor here for a little over a

year, and it has been too short a time to spend with such wonderful readers. Before that, I worked behind the scenes to help put this magazine together. It was my first real job after graduating college about ten years ago. I had the wonderful opportunity to meet many of you at our Fun Fests and walk with you in the Fun Walks, to make new friends and listen to your amazing stories. I am writing all of this because this will be my last editorial with Lifestyles After 50, and for me, it’s been an incredible journey. If you remember your first real job—the one where you were out in the world for the first time, feeling like you had found a place where you could make a difference, you know where I’m coming from. Our publisher, Kathy Beck, started this magazine in her garage and worked tirelessly to build it into the magazine it is today. She did it to help seniors like her mother, and caregivers like herself, connect with each other and with helpful resources in their community. It eventually grew into a celebration of all things great about life after 50—a handbook to aging triumphantly and living vibrantly. It will continue to do so with your support, and with the hard work of its staff, who have become a second family to me over the years. I have never seen a group of people more dedicated to helping others and seeing something succeed.

Our new editor is incredibly passionate about what she does and is very excited to be here! There are great things coming to Lifestyles After 50, and I know the magazine is in the best of hands.QR Codes You may see these box-shaped patterns start to pop up in the magazine from time to time. If you have a smartphone with a QR reader, check ‘em out sometime. It’s a quick and easy way to connect with Lifestyles After 50’s digital community and other fun stuff. If you’ve never used QR codes before, it’s a snap; we’ll show you how.

Give Thanks This month is certainly a time for thankfulness. This Veterans Day, Nov. 11, is a time to remember and honor all of the brave men and women who have served this country. From WWII to Afghanistan—if there is a veteran in your life, take a moment to say thanks. “Honor to the soldier and sailor everywhere, who bravely bears his country’s cause. Honor, also, to the citizen who cares for his brother in the

Tracie Lukens,Editor

I Wanted To Say, “Thank You!”field and serves, as he best can, the same cause.” ― Abraham Lincoln “As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them.” — John F. Kennedy “Without heroes, we are all plain people, and don’t know how far we can go.” — Bernard Malamud “I dream of giving birth to a child who will ask, ‘Mother, what was war?’” —Eve Merriam Thanksgiving is just as important. Inside, you’ll find ideas to help keep

the holidays stress-free, so you have more time to spend making memories with your loved ones. I find myself with much to be thankful for. There are places and experiences and people in your life that change you. They help you grow, or make you see the world in a different way, or help prepare you for what’s next. This magazine has been such a place. I am not the same person I was ten years ago. I

have gained a new appreciation for a remarkable generation that many of my peers overlook. Members of this generation have shared their wisdom with me, their patience, their hardships and victories. I have letters from good senior friends that have passed on while I was here. I will never forget a single one of them. I will miss all of you more than I can say. Thanks for everything! —Tracie Lukens

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Through 29 Non-perishable food items will be collected the entire

month of November in support of the Harry Chapin Food Bank. Donations can be dropped off in the front lobby at Juniper Village, Cape Coral. All donations will receive a small token of appreciation. Please help in exceeding last year’s donation. 239-542-3121.

6 and 7 Holiday Bazaar. Talented Shell Point residents spend the

year crafting items for sale—just in time for the holidays. Christmas décor, handbags, tasty treats and more. 10 a.m. – 3 p.m. The Woodlands Commons, Fort Myers. 239-454-2290.

7 and 8 Holiday Craft Fair. 10 a.m. – 5 p.m. $6 (good for both days). Lee

Civic Center, N. Fort Myers. More info at 386-860-0092.

8 USA Dance: Free Dance. Attend the annual board meeting (open to

the public) and admission to the dance is free. New dance floor, live music, refreshments available. 3 p.m. meeting; 4 – 7 p.m. dance. Riverside Community Center, Ft. Myers. 954-798-0757 or 239-565-7947.

11 Elvis Tribute Show featuring Cody Ray Slaughter. 7:30 p.m.

$17.90/$49.70. Barbara B. Mann Performing Arts Hall, Fort Myers. Tickets/info: 239-481-4849.

14 Festival of Lights. Over one million lights and themed

decorations will be illuminated during a ribbon-cutting ceremony at 5:30 p.m.,followed by a marching parade with the Charlotte High School Silver King Band! Admission: canned food or toiletries. Fishermen’s Village, Punta Gorda. 941-639-8721.

14 Fossil EXPO! See mammoths, giant sloths and armadillos the

size of a smart car that walked in Punta Gorda 10,000 years ago. Exhibits, vendors and silent auctions. $3. 9 a.m. – 4 p.m. Punta Gorda Women’s Club and Historical Society, Sullivan Street, Punta Gorda. 941-769-2725.

16 Concerts and Conversations. Offering classical music-lovers

an opportunity to experience concerts in

an intimate setting and enjoy a dessert reception with the musicians following the performance. Gulfshore Trio will be the hosts. $15/$35. 7 p.m. Shell Point Campus, Fort Myers. 239-454-2067.

20 Music Walk. Featuring live bands in downtown Fort Myers’ shops,

patios, bars and restaurants. Outside craft and food vendors complete this night out. Free admission. 6 p.m. – 10 p.m. 855-732-3836; fortmyersmusicwalk.com.

21 Shower of Stars, New Tribute Show. Live performances by artists

recreating songs by Englebert, Dolly Parton, Sonny & Cher, Bee Gees, Gene Pitney, Dean Martin, Connie Francis and more. $15/$17. 7 p.m. The Cultural Center, Port Charlotte. 941-625-4175.

21 Dinner and Dancing hosted by The Cape Coral Social Club.

Enjoy dancing to oldies, disco, country, ballads and more with live entertainment by “Erich.” Gourmet dinner catered by Fowler Street Grill Catering. $28 all-inclusive. 5:30 – 10 p.m. Cape Coral Yacht Club. 239-699-9341.

28 Christmas Market. Decorations, crafts, cookies, live entertainment,

schnitzel on a stick, hot pretzels, beer, gluhwein and more. Free admission. 4 p.m. – 8 p.m. German-American Social Club, Cape Coral. 239-283-1400.

Dec. 4 Deadline for your RSVPs for the Bonita Springs-Estero Christian

Women’s Connection Christmas Luncheon to be held Dec. 11. Seating at 11 a.m. The Club of Grandezza, Estero. $25 inclusive. Enjoy “A Festival of Christmas Carols” and guest speakers. 239-248-3044.

Dec. 5 and 6 Bromeliad Show and Sale. Thousands of Bromeliads

from around the world. Driftwood, planting material and free advice from knowledgeable vendors. Free parking/admission. 9 a.m. – 4 p.m. Terry Park, Ft. Myers. 239-694-4738.

Send Around Town events to Lifestyles After 50, P.O. Box 638, Seffner, FL 33583; fax 813-651-1989 or email [email protected]. News must be received by the 10th of the month prior to event (i.e. November 10 for December event.)

Around TownW H A T ’ S H A P P E N I N G N O V E M B E R 2 0 1 5

The Best of CharlotteTake a day or overnight trip with

the Happy Travelers. 11/26: See “A Wonderful Life” at the Broadway Palm. $76. 12/16 - 12/18: Christmas Time in Key West. (Call for price). Register now or more info at 941-625-4175. Complete trip list at theculturalcenter.com/happy_travelers.html.

11 Veteran Motor Car Club of America Car Show. 11 a.m. –

2 p.m. at Fishermen’s Village, 1200 W. Retta Esplanade, Punta Gorda. Free admission/parking. 941-639-8721.

12 Honoring Our Nation’s Heroes. The Charlotte Country

Music Club, the Country Express Band and special guest Dave O’Brien invite

you to an evening of music to honor our veterans. A portion of the proceeds benefits the American Legion Post 110 to help fund the Vietnam Veterans Wall in Punta Gorda. $17. 7 p.m. at the Cultural Center Theater, 2280 Aaron St., Port Charlotte. 941-625-4175.

14 “Talk About A Murder.” Join this zany cast of talk show characters

in the pursuit of higher ratings—and to solve a murder along the way. $15. 7 p.m.at the Cultural Center Theater, 2280 Aaron St., Port Charlotte. 941-391-1400.

22 ‘60s, ‘70s, ‘80s Decades Rewind. A rockin’ extravaganza featuring

a live 12-piece band performing medleys of your favorite hits, spanning 30 years! $30. 6 p.m. at at the Cultural Center Theater, 2280 Aaron St., Port Charlotte. 941-625-4175.

26 Thanksgiving Day Dinner. Open seating from 11:30 a.m. until

2 p.m. Turkey, ham, dessert and all the sides and fixins.’ $15.95/adult; $9.95 children under 12. Cultural Center of Charlotte County, 2280 Aaron St., Port Charlotte. Tickets/info: 941-625-4175.


See “La Nouba” Again, For the First TimeBy Tracie Lukens

Imagine you’ve been invited to the biggest

party you’ve ever seen. Hundreds of people hold their breath as the cake arrives and an unbelievable 8,000 candles are lit. The audience cheers, the light blows out and the festivities begin! Such was the excitement in the air as Cirque Du Soleil’s “La Nouba” recently celebrated its 8,000th show. “La Nouba,” from the French phrase ‘faire la nouba,’ means “to party” or “to live it up.” The show has been wowing audiences in Orlando since 1998, but like any good party, they like to mix it up. “Our shows evolve a lot,” says Artistic Director Daniel Ross. “We let them grow, change and go places. When we have new people come in, we let them influence the show. So ‘La Nouba’ is still fresh, still new.”

That means you’re in for a surprise, whether you’re a first time attendee or long-time Cirque enthusiast. Additions over the past few years have included a pair of rambunctious clowns, acrobatic jump ropers and a balancing/juggling artist. Ross hints at more to come over the next few months, from breakdancers to bamboo poles. While you might think 8,000 shows becomes routine for a performer, for many

cirque members, a show can still feel like their first. High-flying trapeze artist April Chodkowski says she gets goosebumps from time to time. “Oh yeah, every show,” she says. “When I have to go on the top track of the trapeze act, I’m still like, ‘Phew! It’s okay; you’re alright, just relax.’ Then the music comes on and you’re in it, and it’s easy-peasy.” Not all of the performers specialize in physical feats—some of them are vocal acrobats, like Selloane, one of the show’s main singers. Syncing her voice to the movements and energy of the other performers is no small task. But she says that synergy is what makes

everything flow so seamlessly. “Sometimes they’re hyper and you feel their energy,” she says about the performers. “If they are extra pumped up, vocally it’s easy...I get what they give me and I give them exactly what they give me.” Here in Florida, we’re lucky to have one of the few permanent Cirque du Soleil theaters in the world. “La Nouba” is a thrilling, imaginative show for all ages, and well worth a day trip.

Stay Close to the Action While Cirque du Soleil performs evenings, there’s plenty to do during the day. The Walt Disney World Swan & Dolphin Resorts (swandolphin.com) offer free bus transportation for their guests to La Nouba and all of the shops and restaurants Downtown Disney has to offer. The Swan has just finished its grand remodeling—with the Dolphin soon to follow—revealing updated accommodations that are chic, modern and comfortable. While you’re there, you can enjoy fresh seafood at Todd English’s BlueZoo, or get your fingers messy with gourmet barbecue atCib’s Smokehouse. Want something to wear for the main event? Macy’s at the nearby Mall at Millenia has you covered. Treat yourself and shop with a personal stylist (it’s free!). Learn more at h t tp : / / l .macys .com/the-mal l -a t -millenia-in-orlando-fl. The party continues in central Florida, and everyone’s invited! To learn more about “La Nouba,” or to experience the show yourself, visit cirquedusoleil.com/en/shows/lanouba/default.aspx..

Picture credit : © The Walt Disney Company. Costume credit : Dominique Lemieux

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Nov. Horoscope: Scorpio and SagittariusScorpio (Oct. 23 – Nov. 22) Predictions show that home and emotional issues are in the forefront

in this month, while career and finance will be in the background. Your home will require major repairs and beautification. Confidence and independence will help you attain your targets, the way you decide. All challenges to your progress will be overcome easily.

Sagittarius: (Nov. 23 – Dec. 22) It’s your way, all the way in November. Personal ambitions and self-will will decide your progress,

Sagittarius. Seek the help of others, but follow your conscience. There is another major change happening. Career and professional matters are giving way to family and spiritual consciousness. You can take the help of spirituality to review your past and make plans for it. (From sunsigns.org) More horoscopes: lifestylesafter50.com.


By Eileen Ambrose, AARP Bulletin

Everybody wants to be safe from the buffeting that life can infl ict upon

retirement plans — to have the fi nancial resilience to bounce back when things go awry. For starters, here are 10 mistakes to avoid in retirement planning.1. Don’t take Social Security too early. Claim Social Security benefi ts at 62 and your monthly check will be 76 percent less than if you wait until 70. Even so, many people take benefi ts before full retirement age. Some need the money, and some fear they won’t live long enough to collect what they paid into the system. But wait as long as you can. Check out AARP’s Social Security calculator at aarp.org/work/social-security/social-security-benefi ts-calculator.html.2. Don’t say ‘Take this job and shove it.’ Even if you quit the 9-to-5 grind,

don’t entirely exit the workforce. “Find something that is fun for you, so you do not really call it a job,” says Scot Hanson of EFS Advisors in Shoreview, Minn. Part-time work at a golf course or local theater might generate only $4,000 to $12,000 a year, but will reduce how much you dip into savings and allow you to invest in a tax-friendly Roth IRA.3. Don’t underestimate your lifespan. More than half of Americans do, and may not save enough, according to a survey by the Society of Actuaries. One way to be safe is to buy a deferred-income annuity. You give an insurance company a lump sum and then, perhaps 15 years later, you start receiving a lifetime income stream. “You can spend a relatively small amount now and end up with a substantial amount of income down the road,” says David John at AARP Public Policy Institute. Workers can transfer up to $125,000 from

IRAs and 401(k)s to buy an annuity, without having this money included in mandatory withdrawals after age 70 1/2.4. Factor in health care costs. Medical costs will rise. Medicare covers the majority of health care at 65 and older, though you must still pay deductibles and other expenses. The savings needed to cover most health care expenses in retirement, including premiums, is $116,000 for men and $131,000 for women, according to estimates. You can calculate health care costs online using AARP’s Health Care Costs Calculator at aarp.org/work/retirement-planning/the-aarp-healthcare-costs-calculator.5. Don’t ignore major expenses. Whether you’re near or in retirement, beware of taking on large expenses that can wreck your budget. This includes digging deep into savings to help a child pay for graduate school or a dream wedding. Buying a second home can drain $20,000 to $30,000 a year for taxes, insurance, upkeep and mortgage payments, says Kristi Sullivan with Sullivan Financial Planning in Denver.6. Consider long-term care. Medicare doesn’t pay for long-term care. Most people rely on family, says Donald Redfoot, a senior strategic policy adviser with AARP Public Policy Institute. Long-term care insurance could be an option for some, particularly those with assets to protect.7. Don’t fall for scams. Older people can be fi nancially devastated by con artists. “You don’t have the years to recoup,” says Barry Korb with Lighthouse Financial Planning in Potomac, Md. Monitor credit reports for suspicious

activity. Tell credit reporting companies to put a security freeze on your report. This can stop a thief from opening lines of credit in your name. Check out AARP’s Fraud Watch Network and sign up for watchdog alerts at aarp.org/money/scams-fraud/fraud-watch-network.8. Simplify your fi nances. If you have multiple retirement accounts, consolidate them. Otherwise it is tough to determine your asset allocation—how much you own in stocks, bonds and cash—or to know if holdings overlap, says Rosa Kohler of Key Private Bank in Tarrytown, N.Y. When consolidating, make sure your fees don’t rise. You might be able to get lower fees—some fi rms cut expenses for larger accounts.

9. Keep track of pensions. If you think a former employer may be holding a pension or 401(k) for you, contact the HR department. Sometimes workers can’t fi nd an old employer that was acquired, went bankrupt or just shut down. The Pension Benefi t Guaranty Corp., which insures private pensions, is holding about $280 million in unclaimed pensions owed to 37,587 people. Search online for unclaimed pensions. Advisers at the federal Employee Benefi ts Security Administration also can track down lost accounts.10. Don’t miss your Medicare deadline. You generally have a seven-month window, starting three months prior to turning 65, to sign up. Not doing so could trigger late penalties and delay coverage—unless you are covered beyond 65 by insurance from your or your spouse’s current employer. To learn more, visit AARP’s Medicare Q&A tool at aarp.org/health/medicare-qa-tool.

10 Steps to Achieve Your Retirement Goals

Registered investment adviser (RIA): An RIA is registered with the Securities and Exchange Commission (SEC) or state regulators and is compensated for providing advice on di� erent types of investments. An RIA must be a � duciary.

Broker: This � nancial professional traditionally buys and sells stocks, bonds and mutual funds and charges a fee or commission for handling orders submitted by an investor. Brokers are regulated by the SEC and by the states, and they must be members of FINRA, the securities industry’s self-regulating body.

401(k) plan: This employer-sponsored savings plan allows a worker to save for retirement and defer income taxes on both contributions and earnings until withdrawal. Employees contribute a portion of their pretax wages; employers may match some or all of workers’ contributions.

Individual retirement account (IRA): A savings account for individuals, an IRA lets you contribute as much as $6,500 a year (for those 50-plus). Earnings are tax-deferred until you start taking out the money, after age 59 1/2. In a variation called the Roth IRA, contributions are

made with posttax money and earnings are tax-free in the future.

Mutual fund: This pooled-investment fund buys securities based on the fund’s objectives.

Load fund: A mutual fund with a sales charge or commission is called a load fund. The investor pays the fee, which in turn compensates the broker. The load can be paid when the fund is purchased (called a front-end load) or when shares are sold (a back-end load). —Compiled by Tara Finnegan Coates, Online Executive Producer, AARP

Need-to-Know Financial TermsFinancial planner: A � nancial planner assesses every aspect of your � nancial life and may also manage your investments. The � nancial-planning profession doesn’t have its own regulator. But planners may be regulated based on the services they o� er. For example, � nancial planners who are also investment advisers would be regulated by the SEC or their own states.

Fiduciary: A � duciary is required to act in the best interest of his or her client. Registered investment advisers must adhere to this rule; people known as broker-dealers (who may also call themselves advisers) generally do not.


A Legacy Undone: How To Protect An Elderly Parent from a Financial Predator

Married for 35 years, Terrie and Jon Hull were very close with Terrie’s

mother, Jean. However, their happiness became tragedy in the span of just a few weeks. First, Terrie’s elderly mother was in a car accident and suffered a severe traumatic brain injury, which critically impacted her short-term memory and left her frustrated and vulnerable. Terrie and Jon rose to the occasion and became her primary caregivers while she underwent additional surgeries and all it entailed. Then, Jean’s boyfriend stepped in and the real nightmare began. In the months that followed the accident, Jean’s long-time friend “Billy” moved in, took advantage of Jean’s disability and confusion, and convinced her that Terrie was stealing money. Without evidence, he managed to persuade both a police officer and a judge that Terrie was the one taking advantage of Jean, and the judge issued a restraining order without a shred of proof. Homecare workers also colluded with Billy, helping to make arrangements for a one-day visit to Las Vegas, where Billy and Jean were married. Billy turned out to be a financial predator, and the Hulls were thrust into a 4-year legal battle to save Jean from ruin. Fortunately, Jean and her first husband had put their estate plans in place through a family trust, which made it possible for Terrie to successfully fight for a conservatorship. But not before Billy closed all of Jean’s bank accounts, opened new joint accounts, cashed some bonds and even took Jean’s name off one of the accounts! Terrie and Jon were able to make certain that Billy couldn’t drain Jean’s financial assets through the trust. They prevented him from being able to inherit it, ensuring that Jean could live out her life financially comfortable. Terrie and Jon share what they did and what they learned in their book, “A Legacy Undone…An Extraordinary True Life Experience That Will Make You Rethink Protecting Your Family.” They include steps that everyone should take to ensure that their loved ones’ wishes are protected should they become mentally or physically incapacitated:

1. Organize emergency information. This includes more than just a list of doctors and contacts. Cataloging your digital assets, bank accounts, storage rentals, financial advisors, P.O. boxes and more can be a boon for loved ones facing critical decisions.2. Create a solid estate plan. This is the best way to make sure your loved ones will be able to carry out your wishes when the time comes. Estate laws in the United States give people the right to put their affairs in order. Not exercising that right means you may forfeit your family’s legal right to help you.3. Designate a durable power of attorney. This allows a person you trust to make legal decisions for an incapacitated individual. Without power of attorney, the courts or a third party designated by the courts will make legal decisions.4. Prepare an advance medical directive to make your wishes known and to relieve family members of making difficult end-of-life decisions on your behalf.

5. Communicate. “If your parents are over 50 and haven’t talked with you about putting their affairs in order, you need to start the conversation,” Terrie says. “Find out what they have done while they are still young and aware.” The same is true for parents. “Your children look up to you and assume you have been smart with your money,” she says. “Prove them right by putting your affairs in order. Then

teach your adult children to put their affairs in order. This opens the door to productive conversations about other important decisions in life.”6. Realize that this is all about life. “Putting your affairs in order is not about death. It’s about making sure things get done your way,” she says. “It is one of the most important financial and lifestyle decisions of your life. It’s about writing the last chapter of your amazing legacy.” Find their book, “A Legacy Undone,” online at amazon.com.

Do I Have To Sign Up for Medicare?Dear Marci, My husband is planning

on working past age 65, and he receives insurance through his job. In this situation, are we required to sign up for Medicare when we turn 65? —Judy Dear Judy, This depends on what kind of insurance your husband has. People with employer insurance from a current job may consider delaying Medicare enrollment as long as the employer coverage pays first and Medicare pays second. This employer insurance can be from either your own employment or the employment of a spouse. If your husband works for an organization with 20 or more employees, this is considered to be large group health coverage. This large employer insurance will pay first and Medicare will pay second. If you have coverage from a large, current employer, you do not have to enroll in Medicare right when you turn 65. The employer coverage must pay for your care without regard to whether or not you have Medicare. You and your husband will have an eight month Special Enrollment Period (SEP) to enroll into Medicare as long as you have the employer coverage, as well as

within 8 months of losing that insurance or retiring. Before you decide to defer Part B, evaluate whether having additional coverage through Part B is worth the costs. If your husband‘s organization has less than 20 employees, then this is considered to be small group health coverage. This small current employer insurance only pays after Medicare and can reduce or altogether deny benefits if you fail to enroll in Medicare. Because of this, if you have employer insurance from a small employer, you should enroll in Medicare as soon as you are eligible in order to maximize coverage and avoid significantly higher costs. Know that these rules apply only when someone is actively working. Retiree insurance and COBRA always pay after Medicare, and you should sign up for Medicare as soon as you are eligible to do so in order to maximize coverage. It is best to speak with your employer to find out how your coverage coordinates with Medicare. You also can speak with a Social Security representative at 800-772-1213. Be sure to write down the date, time, name of representative, and outcome of the call. —Marci

MEDICARE ANSWERS

Helping Veterans And Active Duty Military MembersBy Daryl RosenthalSocial Security Public Affairs Specialist

On Veterans Day, the nation honors the men and women who risk their

lives to protect our freedom. Social Security honors veterans and active duty members of the military every day by giving them the respect they deserve. A vital part of that is administering the Social Security disability program. For those who return home with injuries, Social Security is a resource they can turn to. If you know any wounded veterans, please let them know about Social Security’s Wounded Warriors website. You can find it at www.socialsecurity.gov/woundedwarriors. The Wounded Warriors website answers many commonly asked questions, and shares other useful information about disability benefits, including how veterans can receive expedited processing of disability claims. Benefits available through Social Security are different than those from the Department of Veterans Affairs and require a separate application.

The expedited process is used for military service members who become disabled while on active military service on or after October 1, 2001, regardless of where the disability occurs. Even active duty military who continue to receive pay while in a hospital or on medical leave should consider applying for disability benefits if they’re unable to work due to a disabling condition. Active duty status and receipt of military pay doesn’t necessarily prevent payment of Social Security disability benefits. Although a person can’t receive Social Security disability benefits while engaging in substantial work for pay or profit, receipt of military payments should never stop someone from applying for disability benefits from Social Security. Learn more by visiting www.socialsecurity.gov/woundedwarriors. Social Security is proud to support the veterans and active duty members of the military. Let these heroes know they can count on us when they need to take advantage of their earned benefits.

SOCIAL SECURITY Q&A


The Importance of Saying Thank You As it turns out, saying ‘thank

you’ is more than just a simple courtesy. New research suggests that gratitude also helps people develop new relationships, build on existing ones and maintain both. Historically, psychology has focused primarily on treating illness. But researchers who are part of the ‘positive psychology’ movement—like social psychologists Monica Bartlett of Gonzaga University and Lisa Williams of the University of New South Wales, Australia—are trying to understand what makes people flourish. Gratitude was the focus of their most recent study. A group of 70 university students were led to believe they would provide mentoring advice to a high school student by commenting on their university admission essay. Afterward, all mentors received a handwritten note, supposedly from their mentee. In half the cases the note included the following expression of gratitude: “Thank you SO much for all the time and effort you put into doing that for me!” The undergraduates who were thanked were more likely to want to continue their relationship with their mentee than

those who were not thanked. In addition, the grateful mentees were rated as having significantly warmer personalities. Gratitude experienced more deeply and more often is also linked to many benefits, including increases in wellbeing and decreases in depression, research shows. To reap these benefits, Bartlett suggests beginning a gratitude journal. “Before you go to bed each night, write down three things that went well that day and why,” she says. Some of her students asked if something so simple can be so effective. “The answer is ‘yes,’” she said. “I think part of it is that after you do this long enough, you start to switch the way you are thinking.” (Newswise)

Professional Golfer Sees Results After Using Low-Intensity VibrationProfessional golfer

Peter Jacobsen, 59, understands the impor-tance of maintaining a healthy lifestyle. That’s why he uses a Marodyne LivMD to help combat conditions associated with aging such as circulation, bone and muscle health, plantar fasciitis and joint problems. Peter began using LivMD—a low intensity vibration device developed through NASA funding by Dr. Clinton Rubin of Stony Brook University in New York—to maintain his overall health and quality of life. In the past, Pe-ter had a hip and knee replacement and was diagnosed with joint problems and plantar fasciitis—a painful inflammation in the connective tissues in the foot. Although Peter has only used LivMD for a short time, he has seen great results. “It’s been eye-opening; I didn’t expect to see results this fast,” Peter said. Peter started using LivMD two times a day for 10 minutes each session. “After about 10 days, the fasciitis in

my foot was gone,” said Peter. Not only was Peter astounded by his success using LivMD, he was also impressed with how easy it was to use. “I plugged it in, it beeped at me, I stepped on the device and it started buzzing.” Peter

said. “It’s about the size of home plate, kind of like a large bathroom scale—and it doesn’t take up much space.” Unlike other vibration machines on the market, LivMD vibrations are safe and mild. LivMD’s technology was developed based on OSHA safety standards. “Not only is it safe, but it feels good, unlike other vibration machines that vibrate at much higher intensities,” Peter said. The device, which emits a force of 0.4g (gravita-tional force) at 30Hz (30 x/second), is safe to stand on for up to four hours per day according to Marodyne Medical. For more information about LivMD, visit LivMD.US or Marodyne.com or call 1-866-387-7131.


Managing Lung Disease During the HolidaysBy Phoebe Brown, Staff Writer

The holiday season brings people together for many

celebrations. However, for people with lung disease, the holidays can seem daunting. Between traveling, cooking and eating, someone could easily become fatigued, which could make breathing difficult. One way to avoid excessive exhaustion is to practice moderation when eating. While indulging in holiday festivities, practicing moderation can help people with lung disease enjoy the holidays and improve their overall quality of life. Triggers such as air pollution, overexertion and overeating can cause flare-ups. While some triggers are uncontrollable, others are manageable. Staying inside when air quality is poor can help with lung function. Overeating or eating foods that cause gas or bloating can make breathing uncomfortable, so even during the holiday season, it is important to keep moderation in mind.

It might seem like common sense but taking time to enjoy good food and company at the table could help someone feel satisfied instead of overfull. Drinking plenty of non-caffeinated fluids can help control hunger and keep people hydrated. Eating smaller portions of foods, including desserts,

could help reduce pressure, especially in someone who is short of breath. Extra pounds could cause extra heaviness and difficulty breathing. For those suffering from debilitating lung diseases, options exist now to improve quality of life, such as diet and moderation. A clinic in the United

States, the Lung Institute, states they have helped lung disease sufferers by offering an additional treatment option in the form of stem cell therapy. Stem cell therapy is a minimally-invasive, outpatient treatment that harnesses the natural healing ability of the stem cells that already exist in the body. Stem cells are harvested from the patient’s own fat, blood or bone marrow, separated, and reintroduced into the body. Stem cells naturally fight infection and disease by repairing damaged tissue with new, healthy tissue. This is a slow process, but stem cell therapy has the potential to expedite the natural healing process for those with certain progressive diseases, such as lung diseases. People with lung disease have various options to help them take their health into their own hands, such as using an alternative treatment like stem cell therapy along with diet and moderation. By controlling factors that exacerbate their symptoms, and by taking action to improve their lung function, people with lung disease can enjoy the holidays and improve their quality of life.


Annual Food DriveNovember 1st - November 30th

1155 Encore Way, Naples 34110

Juniper Village at Naples is reaching out to the community to support our neighbors at St. Matthews House.

Please drop offdry goods at our

community. For more details – contact Maria at

239-451-9400

ALF 9761

For more dealers contact Biria USA:

201-461-1980 www.biria.com

Easy BoardingBicycle by

NAPLES CYCLERY813 Vanderbilt Beach Rd

Naples, FL 34108239-566-0600

ENGLES BICYCLES INTERNATIONAL27310 Old 41 Road

Bonita Springs, FL 34135Bonita Springs, FL 34135239-498-9913

EA BICYCLES15630 MacGregor Blvd.Fort Myers, FL 33908

239-415-6600

HOLLYWOOD BICYCLE CENTER2728 Santa Barbara Blvd

Cape Coral, FL 33914239-242-9253

Food, Friends and FashionThe Greeters Club of Greater Fort Myers

will be hosting a fashion show at their Nov. 19 luncheon. Selected Bell Tower shops will supply the fashions and club members will be the models. In addition to the fashion show, there will be a trunk show provided by several of the shops. Whether you are a full-time Floridian or arrive here just before the first flakes start to fall, you’ll enjoy a delicious lunch, great conversation and get an overview of the season’s latest fashions from several Bell Tower merchants.

Make a luncheon reservation (cost: $20) today and find out more about joining this dynamic group of Lee County women. Email: [email protected]. Provide your contact information (your name, email address and phone number). You will receive an email confirming your reservation Luncheons are held on the third Thursday of the month at 11:30 a.m. at the Colonial Country Club, 9181 Independence Way, Fort Myers. Info: greetersclubofgreaterfortmyers.com.

Billboard’s Top 20: 1975

Take a nostalgia trip with us: here are a few of the songs that hit the

weekly Top 40 pop charts in 1975, according to Billboard magazine:1. “Love Will Keep Us Together,”

Captain & Tennille2. “Rhinestone Cowboy,” Glen Campbell3. “Philadelphia Freedom,” Elton John4. “Before the Next Teardrop Falls,”

Freddy Fender5. “My Eyes Adored You,” Frankie Valli

6. “Shining Star,” Earth, Wind & Fire

7. “Fame,” David Bowie8. “Laughter in the Rain,”

Neil Sedaka9. “One of These Nights,” Eagles10. “Thank God I’m a Country

Boy,” John Denver11. “Jive Talkin,’” Bee Gees12. “Best of My Love,” Eagles13. “Lovin’ You,” Minnie Riperton14. “Kung Fu Fighting,”

Carl Douglas15. “Black Water,” The

Doobie Brothers16. “The Ballroom Blitz,” Sweet17. “(Hey Won’t You Play) Another

Somebody Done Somebody Wrong Song,” B.J. Thomas

18. “He Don’t Love You (Like I Love You),” Tony Orlando and Dawn

19. “At Seventeen,” Janis Ian20. “Pick Up the Pieces,” Average

White Band


1-866-413-5337TOLL FREE

Se Habla Español

MEDICARE OPENENROLLMENT DATES!

October 15 - December 7

SHINE is a Florida Department of Elder Affairs program operated in partnership with your local Area Agency on Aging to provideinformation and assistance with Medicare. All services are free, objective and conndential. WE DO NOT SELL INSURANCE OR REPRESENT ANY INSURANCE ENTITY.

Staying Active As You Age

Aging is a fact of life for everyone, but did you know that staying physically

active can help you slow the process of aging, keeping your muscles and joints functioning properly, preserving strength in your bones and decreasing your risk of heart attack or stroke? While fitness may be no fountain of youth, regular exercise can greatly enhance your quality of life and help you maintain independence as you age. Fitness is key to keeping your body happy and healthy, and first we must get active before we can stay active.The American Orthopaedic Society for Sports Medicine and American Academy of Orthopaedic Surgeons offer a selection of helpful tips that can help you exercise safely, whether you are a frequent exerciser, or simply starting a new routine. Listen to Your Body First and foremost, your health and the effectiveness of your exercise routine are truly dependent on listening to your body. You may have noticed that as you age, your flexibility has decreased, or that you cannot tolerate the same types of activities that you did years ago. While no one is happy about getting older, you will be able to prevent injury by modifying your activity to accommodate your body’s needs.Balanced Fitness A balanced fitness program should incorporate cardiovascular exercise, strength training and flexibility. In addition to providing a total body workout, a balanced program will keep you from getting bored and lessen your chances of injury.Warm Up Warming up before stretching is essential, as stretching cold muscles may cause injury. Start off with jumping jacks, stationary cycling or running or walking in place for 3 to 5 minutes, and then gently stretch, holding each pose for 30 seconds.

Cool Down Cooling down is just as important as warming up, so be sure to make this part of your post-exercise routine. Gentle stretching after physical activity prepares your body for the next time you exercise, and will make recovery from your workout much easier.Consistent Exercise Program It is essential to maintain a consistent exercise program in order to avoid overdoing it. Condensing a week’s worth of exercise into two days will cause more harm than good, and does not increase your fitness level. Try to get at least 30 minutes of moderate physical activity every day. If your schedule is too hectic, consider breaking this time period into 10-minute sections. Always remember that exercise can be completed along with everyday tasks—moderate physical activity can include walking the dog, working in the garden, playing with the kids and taking the stairs instead of an elevator.Use the Ten Percent Rule When changing your activity level, increase it in increments of no more than 10 percent per week. If you typically walk two miles a day and want to increase your fitness level, slowly build up to more miles each week until you reach your higher goal. When strength training, use this rule as your guide and increase your weights gradually.

Always be cautious when adding activities and new exercises into your fitness routine. Whether you are new to the fitness scene or are in good physical shape, do not try to take on too many activities at once. It is best to add no more than one or two new activities per workout.

If you have or have had a sports or orthopedic injury like tendinitis, arthritis, a stress fracture or lower back pain, consult an orthopedic surgeon who can help design a fitness routine to promote wellness and minimize the chance of injury.With offices in Fort Myers, Cape Coral and Lehigh Acres, Athletic Orthopedic and Reconstructive Center (AORC) is devoted to providing the highest level of quality care and treatment of the musculoskeletal system, which includes the bones, joints, ligaments, muscles and nerves. AORC specializes in total joint replacement, fracture care, sports medicine, hand surgery, neurology, podiatry and general orthopedics. For more information, call 239-936-6778 or visit www.bone-fix.com.

Try A Balance-Boosting Exercise WalkMaintaining good balance as we age

is important to help us prevent falls and keep us able to do the things we love. Doing these two exercises regularly will give your balance a boost!

Balance Walk1. Raise arms to sides, shoulder height.2. Choose a spot ahead of you and focus on it to keep you steady.3. Walk in a straight line with one foot in front of the other.4. As you walk, lift your back leg. Pause for 1 second before stepping forward.5. Repeat for 20 steps, alternating legs. Challenge: As you progress, try looking from side to side as you walk.

Heel to Toe Walk1. Position the heel of one foot just in front of the toes of the other foot. Your heel and toes should touch or almost touch.2. Choose a spot ahead of you and focus on it to keep you steady.3. Take a step. Put your heel just in front of the toe of your other foot.4. Repeat for 20 steps. Tip: If you are unsteady on your feet, try doing this exercise near a wall so you can steady yourself if you need to. For more exercises, visit nihseniorhealth.gov.


Five Tips To Beat Caregiver BurnoutOver 60 million Americans currently

provide care for a family member who is aging, chronically ill, suffering from dementia, living with a life-long disability, or returning from war. November is National Family Caregivers Month. As a speaker, workshop leader, coach and the primary caregiver for his parents in their final years, A. Michael Bloom knows this landscape. His mission is to provide practical coping strategies for family caregivers like himself to recharge their energy while avoiding burnout, and states that “the life you save may be your own.” Try these five tips to sidestep burnout and provide quality care without regret.

1. Put chocolate in your pill box. Caregivers remain highly susceptible to depression, disease and hypertension because they rarely provide themselves with rewards that release stress and develop the purpose for their lives beyond caregiving. Determine your special “chocolate” (which is a metaphor for something that provides ultimate joy) and dose yourself regularly so you create enduring satisfaction and success during the long journey of care.

2. Get those stressful thoughts out of your head and say YES to requests for support. Set a five- to ten-minute time block at least once per week to deal with your stress. Make a list of all the issues rolling through your mind. Put the items on paper and make plans to address them. When a friend or family member asks how they can help, be prepared with this list of tasks that others can perform to lighten your load.3. Schedule regular breaks. Caregivers can become so consumed with providing for their loved ones that they lose joy and satisfaction with their own lives. Seek assistance from friends, relatives or volunteers so you take a class, go to the gym, go on a date with your partner, or enjoy other fun recreational activities.4. Use high tech to deliver high touch. Free, easy-to-navigate systems to build support networks can be found at lotsahelpinghands.com or the family portal at seniorcaresociety.com.

Through these online communities, family caregivers can post vital medical and support information, use an online calendar to schedule volunteer assistance for activities/appointments, and send updates with just the click of a button. These tools can simplify the organizational process and provide a journaling vehicle for you to share key points along the caregiving journey.

5. Low tech packs a punch, too. Old school options such as calendars, post-it-notes and dry erase boards are just as effective. Create an information binder for family, friends and volunteers so vital medical and support needs are at their fingertips. Houses of worship, service providers or local volunteer organizations can be of assistance to building a super helpful and responsive support community for your family.

Bloom’s aim is to inspire and train fellow caregivers to provide high quality support to their loved ones while fully living their own lives. He recalls that it took just about every ounce of his being to care for his parents and not lose himself in the process. “I can now reflect on my caregiving journey as soul-fulfilling and transformative,” he said. “I provided care without regret and supported my parents to age in place and die with dignity in the comfort of their own home.” To learn more, visit bloomforcoach.com.

Thrifty Retirees Are Getting Rid of Their Mortgage—By Going Tiny

Tiny homes are a massive trend—and they’re not just for Millennials. With an

average size between 100 – 400 square feet, these pint-sized pads are ideal in retirement. Low costs, unlimited mobility and minimal upkeep are just a few of the benefits to going tiny in the golden years. Whether you plan to build in a family member’s backyard, use as a vacation home or tow as you travel the country, tiny homes can be adapted to fit any quality of life.

According to The Tiny Life, 68 percent of tiny home owners have no mortgage —and two out of five tiny home owners are over the age of fifty. Without a mortgage payment, the savings alone can give your nest egg the boost it needs to maintain your standard of living in retirement. Despite their small stature, tiny homes are still a significant purchase. Depending on your project scope, budget and financial situation, financing your tiny home may include:Savings If you have cash saved, it may make the most sense to fund your tiny home out-of-pocket. But before cashing in assets, consider keeping investments that are delivering a significant return

or whose liquidation may have associated costs or tax penalties (such as tapping a 401K account). Even using cash in combination with another financing option can reduce the total borrowed, so you can get back to saving faster.Mortgage If you choose to build a tiny house on a traditional foundation, some banks may offer mortgages. However, many tiny

homes do not qualify for a mortgage due to their mobility and price. Speaking with your bank or credit union is a solid first step to determine if a mortgage is an option.Home Equity Line of Credit For current homeowners considering a second home, a home equity line of credit (HELOC) can offer several perks. As a line of credit, payments are made on the amount that is actually borrowed, not the total amount available. Plus, mortgage interest is often tax deductible. Recreational Vehicle (RV) Loan Some tiny house manufacturers build homes on mobile platforms that can be easily towed. If the tiny home you choose qualifies for certification by the Recreational Vehicle Industry Association (RVIA), lenders who finance RVs may provide you with an RV loan for your tiny home.Unsecured Personal Loan For borrowers with good credit, an unsecured personal loan for either an RVIA-certified or a non-certified home may be an attractive option. A tiny home loan from LightStream is a simple online process and has a fast response,

so funds can be quickly delivered directly to the borrower’s bank account. LightStream loans have low, fixed interest rates and no fees. The loan can not only be used to purchase a tiny house, but also any associated expenses such as shipping and furnishings. Non-RVIA certified homes can receive loans to not only purchase a tiny home, but also any associated expenses such as land or additional construction costs. Remember, before making any significant investment, it’s always important to discuss it first with your financial advisor. Overall, tiny living can bring extensive benefits to quality of life in retirement. As the trend and financial options continue to gain momentum, you may begin to see more tiny homes in a yard near you. Todd Nelson, business development officer at LightStream, provided these tips for Lifestyles After 50 readers who may be thinking about jumping on board the big trend in tiny homes. LightStream is an online lending division of SunTrust Bank that offers unsecured loans to borrowers with good credit. For more info and important details, visit lightstream.com/tiny-houses.


For improved vision and an overall improved quality of life, call us to schedule your cataract evaluation today!

Jonathan M. Frantz, MD, FACSOne of our Country’s Top 5 Bladeless Laser Cataract Surgeons

418-0999 | BetterVision.net

FOCUS on the things that matter most to YOU

with Bladeless Laser Cataract Surgery from Frantz EyeCare

For t M ye r s | Ca pe Cor a l | Leh i g h Acre s | Pun t a Gorda | Na p le s

Saint of the POW Camp —The Inspiring Story of Chaplain Emil Kapaun

By Victor Parachin

His ‘congregation’ was located inside a North Korean POW

camp. His ‘parishioners,’ made up of every faith, were hungry, ragged, emaciated prisoners of war. His ‘church’ was a lice-ridden mud hut. His uniform bore a small cross of the Corps of Chaplains rather than the crossed rifles of an infantry unit. Although he died in the POW camp at age 35, many credit him with their survival and those fortunate ones refer to him as a hero, martyr and saint. Emil Joseph Kapaun was a farm boy who called Pilsen, Kansas home. Ordained at the age of 24 in 1940 for the Diocese of Wichita, Kansas, he entered the U.S. Army as a chaplain during World War II, serving in Burma, China and India. Fr. Kapaun was discharged, but re-enlisted as the Korean War broke out. In early November of 1950, his unit was overwhelmed by Chinese troops. Although he had an opportunity to escape, Fr. Kapaun learned there was a pocket of American troops who were unable to flee. He voluntarily made his way to those trapped and injured men. There, he was captured and continued his ministry as a prisoner of war. Lieutenant Ray M. Dowe, Jr., was one of the POWs who survived and returned to tell of Fr. Kapaun’s ministry. The troops in the POW camp were being fed a starvation diet. At the risk of being shot, Fr. Kapaun would sneak out of the camp into nearby fields around the compound where he scrounged for leftover ears of corn, spoiled potatoes and grains to share with the troops. Kapaun begged for cotton undershirts to make bandages for the wounded, and cared for the sick and dying as much as he was able. Most importantly, Fr. Kapaun was instrumental in giving hope to his fellow prisoners. Whenever it was safe, he conducted quiet prayer services. “He he would offer a prayer of thanks to God for the favors He had granted to us, whether we knew about them or not, for the food and water we have received at the hands of our enemies,” recalls Dowe. He would conclude with a short, simple sermon urging the men to hold on and not lose hope that they would be freed and returned to their families. Recognizing the influence Fr. Kapaun had over the other men, his captors never punished him directly. However, they did not hesitate to torture those

closest to him, enough to elicit charges that Kapaun was advocating resistance against their captors. When the tortured men were returned to the general POW population, unsure of their welcome, it was Fr. Kapaun who first greeted them saying: “You never should have suffered a moment trying to protect me.” Because of the accusations made by the men, the POWs fully expected that Fr. Kapaun would be executed. However, the captors merely called him in and threatened him with harm. Dowe writes: “We realized then what we had half known all along. They were afraid of him. They recognized in him a strength they could not break, a spirit they could not quell.” Gradually, it became clear that Fr. Kapaun was himself beginning to fail in strength. Pneumonia eventually took him, but before he passed he left his men with messages of hope. “Tell them back home that I died a happy death,” he said, and he gave his prayer book to another officer, saying: “You know the prayers. Keep holding the services. Don’t let them make you stop.” Standing beside Dowe was a Turkish lieutenant of the Muslim faith who said: “To Allah who is my God, I will say a prayer for him.” Even after he died, Father Kapaun’s influence continued to affect the camp. A young Jewish marine was placed in the facility and said he couldn’t understand why the men were taking care of each other, unlike other places where he had been held captive. He asked why and received this answer: “Padre Kapaun, Padre Kapaun.” In April 2013, President Barack Obama posthumously bestowed Father Kapaun with the Medal of Honor, saying: “This is the valor we honor today, an American soldier who didn’t fire a gun, but who wielded the mightiest weapon of all: a love for his brothers so pure that he is willing to die so that they might live.”

Father Emil Joseph Kapaun, serving on the battlefields of the Korean War. Image in the public domain.

VETERANS CORNER

Living with CataractsBy Jonathan M. Frantz, MD, FACSMedical Director, Frantz EyeCare

Many of us feel that our eyesight is the

most precious of all of our senses. How beautiful is it to look into the eyes of a child, to see the sunrise or sunset in brilliant color? When a cataract develops, it interferes with our ability to enjoy these things. Even more devastating, vision loss from cataracts can take away our independence, making it impossible to drive to the grocery store or to visit a friend or family member. Cataracts are a major cause of preventable blindness, and yet many people aren’t sure what a cataract is or how it is treated. When surgery is needed, keep in mind that not all cataract surgeons possess the same skill or have the same success rate. At Frantz EyeCare, we have the capability with skillful microsurgical techniques, lasers, advanced measuring devices and the latest technology in intraocular lenses

to not just remove your cataract, but minimize your need for glasses.

Eyesight is truly a precious commodity and there are more sunsets and a life full of beautiful pictures and memories waiting. If you think you may have cataracts, call our office at 239-418-0999 or visit.www.BetterVision.net to learn about the difference between traditional cataract surgery and Bladeless Laser Cataract Surgery.

Jonathan M. Frantz, MD, FACS, is named in The Guide to America’s Top Ophthalmologists. He and his team of doctors at Frantz EyeCare offer a broad spectrum of patient-focused comprehensive care from eye exams and eyewear to bladeless laser cataract removal, treatment of eye diseases, bladeless WaveLight LASIK laser vision correction, and eyelid surgery with office locations in Fort Myers, Cape Coral, Punta Gorda, Lehigh Acres, and Naples.

Dr. Jonathan M. Frantz


How to Get the Best Financial AdviceBy Carole Fleck, AARP Bulletin

When it comes to protecting your retirement savings, what could be

more important than making sure you’re getting the best financial advice when you need it? Unfortunately, that can be a tough slog. More than 400,000 people in the U.S. call themselves financial advisers today, using any number of so-called professional designations to sell financial products and give advice. Some of these credentials—there are 157 out there—don’t require much training or expertise, or a code of ethics. So when looking for help, start with an adviser who identifies himself or herself as a fiduciary: someone who puts your interests ahead of his or her own. While it’s not an ironclad guarantee about their abilities, they are typically considered the safest bet for unbiased advice that’s free of conflicts.

Standards defined “Fiduciaries have to put themselves in your shoes when giving investment advice and say, ‘This is the best you can do.’ And they’re held to that level of liability,” says Peter Mallouk, author of The 5 Mistakes Every Investor Makes and How to Avoid Them: Getting Investing Right. “Believe it or not, the great majority of financial advisers are not fiduciaries.” Many brokers and others who call themselves advisers follow the “suitability” standard, meaning they can sell you products that are suitable based on your age, risk tolerance and other factors but may not meet your needs. Those products can come with high fees or commissions, or hidden payments from mutual fund companies they don’t

have to disclose. So be sure to ask your prospective adviser which standard—fiduciary or suitability—he or she observes, and if there is any hesitation to give a clear answer, walk away. Something else to watch out for: dually registered advisers, Mallouk says. They’re like the Jekyll and Hyde of the advice industry: Sometimes they’re fiduciaries, sometimes they’re not, and most people can’t tell which hat they’re wearing when. In fact, a study done by AARP in 2013 found that an overwhelming majority of 401(k) participants wanted their financial planners to follow the fiduciary standard.7 Steps to Take When Choosing a Financial Adviser1. Do a credential check. Make sure a prospective financial adviser has current credentials and hasn’t been disciplined by any regulatory authority. The Commodity Futures Trading Commission has bundled all the major regulators online at smartcheck.cftc.gov for easy checking access. One caveat: Brokers can often get negative marks expunged from their records, so just checking this site may not be enough. For advisers who sell insurance products such as annuities, check them out through your state’s division of insurance.2. Fees. Ask how your adviser is being compensated: on an hourly basis, by commission or as a percentage of assets under management. If it’s a percentage, fees should be under 1 percent annually. (Note: That’s on top of fees mutual funds charge.)3. Beware of performance promises. Many advisers tout their past returns. Remember, past performance is no guarantee of future gains.4. Recommendations. Ask to speak with other clients. If the adviser refuses or can’t provide any, consider walking away.5. Get it in writing. Ask your adviser to put in writing why an investment is the best for you. Many advisers also prepare what’s known as an investment policy statement, which outlines in detail how he or she will meet your investing objectives.6. Know what you’re buying. If your adviser can’t explain an investment to you in terms you understand, don’t buy it.7. There’s no free lunch. If an adviser promises returns that are much better than the market average, walk away. If it sounds too good to be true, it probably is.

FINANCE


Tinseltown Talks: A ‘High Chaparral’ Thanksgiving with Henry Darrow

By Nick Thomas

Come November, Henry Darrow’s thoughts typically turn to turkeys…

and burros. Darrow, who turned 82 in September, played Manolito in the popular ‘60s western television series “High Chaparral.” He recalls the memorable Thanksgiving episode, “For What We Are About to Receive,” first broadcast on NBC on November 29, 1968.

“We spent that episode looking for a lost turkey that I’d won in a shooting contest,” said Darrow, from his home in North Carolina. “The bird falls off my wagon and in one scene we’re all out in the desert making various turkey sounds trying to catch it. That was a fun episode.” Earlier in the plot, Manolito’s buckboard holding the turkey is stolen, forcing him to seek alternative transportation. “A burro!” recalled Darrow, laughing. “I can still picture myself riding that animal—it was very boney and uncomfortable!” Darrow appeared in all 98 “High Chaparral” episodes, as well as over 130 film and television roles, many discussed in his 2012 autobiography “Henry Darrow: Lightning in the Bottle” co-written with Jan Pippins (see henrydarrowbook.com). “High Chaparral” was one of numerous TV westerns dominating network television in the ‘60s. “About 15 of the top 20 shows were westerns,” said Darrow. But the series stood out with its realistic treatment of life and conflict in the old West. “It was also the first show to feature a Hispanic family alongside an Anglo family in primetime.” The show was created by “Bonanza” producer David Dortort, who was looking for a Hispanic actor to play Manolito.

“I got lucky when he saw me in a play,” said Darrow, whose parents were from Puerto Rico although he was actually born in Manhattan. Darrow was a teenager when his family returned to Puerto Rico, where he studied at the university before heading back to the U.S to take up acting. “As a kid in Puerto Rico, I’d get out of school and go down to a small, local theater and, for a quarter, could see all the great cowboy stars like Charlie Starrett (the Durango Kid), Buck Jones, Gene Autry, and Roy Rogers,” he recalled. “Then, as a young adult, I got to play one on TV!” “High Chaparral” also starred Leif Erickson as head of the Cannon family’s Arizona ranch, as well as Linda Cristal, Mark Slade and Cameron Mitchell. “Cam (Mitchell) was quite a character,” said Darrow. “He introduced me to horse and dog racing, and poker, but I learned a lot from watching him and his inventiveness on the set.” Planning for the final banquet scene of the Thanksgiving episode, after a turkey is finally caught and cooked, Darrow remembers Mitchell saying he would serve the peas, leaving the mashed potatoes for Darrow.

“But Cam grabbed the potatoes,” laughed Darrow. “He was always doing something unexpected.” The meal was also interrupted by neighbors and local native americans, each claiming ownership of the turkey. “Instead of fighting, we ended up sharing the meal,” explained Darrow. “It was like the first Thanksgiving all over again—a wonderfully written episode for the season.” Nick Thomas teaches at Auburn University at Montgomery, Ala., and has written features, columns, and interviews for over 600 magazines and newspapers. Follow on Twitter @TinseltownTalks.

Henry Darrow in his 2012 film, “Soda Springs.” Photo: 2C Entertainment

Darrow and felllow High Chapparal cast in “For What We Are About to Receive.”

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Phone: 239-415-7495E-mail: [email protected]

7 Estate Planning Mistakes To AvoidHello, Lifestyles Friends & Colleagues!

The following are seven “not smart” estate-

planning mistakes to avoid:1. Improper beneficiary designations on your insurance policies, IRAs, 401ks, Annuities, etc. If the beneficiary designation on your account is your “estate,” then a probate will be required to distribute the assets. 2. Failure to have documents properly witnessed or notarized. The failure to properly notarize or witness documents can result in a “last will” not being admitted to probate or being disqualified.3. Failure to retitle assets in the name of a Living Trust. It is common for folks to set up a Revocable Living Trust and, thereafter, forget to “fund the Trust”—and this results in a probate.4. Failure to appoint the right family members to the right positions. If a deceased parent appointed “hothead Timmy” as the Personal Representative,

estate litigation can result and drain an estate faster than a Florida sinkhole.5. Opting out of Trust planning under the assumption that “everyone will just get along.” When things are omitted in the name of“simplicity,” people oftentimes do the opposite of getting along

and big disputes ensue.6. Failure to consider the implications of jointly titling assets with adult children. Putting the kids’ names on everything exposes the parents’ assets to all of the potential legal hassles of the adult children.7. Failure to have any estate planning documents. When people fail to prepare any estate documents, the probate court has to go through the exercise of applying the State’s default estate plan...enough said. As always, I hope this was helpful and... Until next time. — SJG

Steven J. Gibbs, Esq.


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Make Your Home SmarterWith apps that

offer comfort, convenience and security, homeowners are getting more out of their smartphones to make their homes better, smarter places to live. Here is a guide to new technologies that exist to make homes smarter than ever before:Staying Cozy Special apps like those offered by Nest allow you to control the temperature settings on your thermostat from your smartphone or tablet, so your home’s temperature will be just the way you like it when you arrive. This also allows you to regulate the temperature while the home is unoccupied, which can mean savings on energy bills. Nest technology can also send smoke and CO alerts to your rmobile device. nest.comLetting the Sunlight In Hunter Douglas is one company that offers motorized window shades that you can control remotely from compatible Apple devices like iPhone, iPad and iPod touch with their Platinum App. You can even set your blinds to raise or lower automatically on a schedule so you can wake up to natural light every morning. It’s not cheap, but other window treatment companies are starting to catch on. hunterdouglas.com.Remote TV Apps Have you ever misplaced your TV’s remote control? Do you forget to record your favorite television shows before leaving the house? Both of these problems can be solved with your phone. By downloading an app to connect to your smart TV, you can instantly turn your phone into a remote control. This allows you to schedule recordings from anywhere. You can find remote apps for Apple TV, Samsung, Panasonic, LG TV, Sony, Philips and Google TV in your iPhone’s app store or on iTunes: apple.com/itunes. Or learn more with this helpful guide from iGeeksBlog: igeeksblog.com/turn-iphone-into-remote-control-for-smart-tv.Smart Appliances Smart appliances like the ones produced by GE (geappliances.com/connected-home-smart-appliances); Samsung (samsung.com/us/showcase/smart-home-appliance-washer-dryer-and-refrigerators); LG (lg.com/us/appliances) and Whirlpool (whirlpool.com)

link up to your mobile devices for remote control. Cooks can now save time with apps that allow them to preheat, monitor food as it cooks and turn off the oven all from their phone. Refrigerators can help you make grocery lists or find recipes based on what your fridge has in stock. Other apps allow homeowners to check laundry cycles and receive alerts when their clothes are clean and dry.Home Security Are you afraid you left the garage door open? The handy MQ Garage app sends automatic notifications to your smartphone when the door opens or closes, so you won’t have to go back home to check. It works with most garage door openers and uses your home’s existing wi-fi, allowing you to open your garage door from anywhere. chamberlain.com There are also a wide range of video monitoring services that you can set up at home with a smart device and a few webcams. Check out (camcloud.com); (nest.com/camera/meet-nest-cam/); (homemonitor.me/apps); (presencepro.com); or (icamspy.com) for ideas.Lights Lighting systems like the Philips EnvisionTouch (lighting.philips.com) or Hue (www2.meethue.com/en-US) give you the ability to access your home’s lights via mobile device, set schedules and turn them on and off remotely. Miscellaneous The DLink Wi-Fi Smart Plug gets honorable mention for being versatile and affordable. This device lets you connect a single outlet to a mobile device, allowing you to remotely turn on or off whatever you plug into it. It also includes ways to set up schedules and monitor energy use, as well as a thermal sensor that automatically turns the outlet off should it overheat. us.dlink.com/products/connected-home/wi-fi-smart-plug. (Family Features)


By Andrea Gross; Photos by Irv Green

I expect Seattle’s Pike Market to be colorful, crowded and caffeinated,

as befits the city that birthed Starbucks, but I don’t expect flying salmon. Yet, here, men in white aprons are flipping giant fish with the ease that most folks flip pancakes. One of the fishmongers grins as a salmon slips onto the counter and somersaults into a bin. “Want one?” he asks. I decline and walk on to see the flowers, which smell infinitely better.

Like other urban markets, Pike Market reflects its surroundings. Salmon in Seattle? Of course. (Taste them in a market restaurant or have them shipped to your home.) Gator-burgers in New Orleans? (Eat them on the spot.) Clam chowder in Boston? Most definitely. While in some cities, commercial establishments have moved in, the emphasis in urban markets is always on locally sourced food and regionally unique products. That’s what makes them so much fun for the traveler.

Seattle’s Pike Market: The Country’s Oldest Continuously Operating Market My husband and I weave past performers strumming guitars, we dodge groups of tourists and inhale the strong smells of curry, kimchee, coffee and chocolate. Vendors ply us with samples: a handful of dried fruit, a slice of apple, a chunk of cantaloupe and the best chocolate-covered cherry I’ve ever tasted. No wonder, since Washington is the top sweet-cherry-producing state in the nation. Washington also grows more onions than any other state, and Pike Market owes its existence to onion-hungry citizens, price-gouging middlemen and a sympathetic politician. In response to his constituents, who were furious that the price of onions had risen dramatically, Seattle Councilman Thomas Revelle suggested that farmers set up shop on an empty street corner and sell directly to their customers. In August 1907, eight farmers did just that. Their produce sold out within hours, and the business practices of Seattle were forever changed. Now, 108 years later, more than 100 farmers and 200 craftsmen and women rent space at the market, which has expanded to cover nine acres. (pikeplacemarket.org)

New Orleans’ French Market: America’s Oldest Public Market Seattle’s market may hold the title of the oldest continuously operating market, but New Orleans’ French Market predates it by more than 100 years. It began as a Native American trading post in 1791 but quickly grew into a multi-ethnic hub as new arrivals flooded the area. Now, vendors sell everything from homegrown food to handmade crafts, many of which feature fleur-de-lis in one form or another—on mugs, door knockers, T-shirts and neckties. I’m not into fleur-de-lis décor, and I can easily pass on alligator models and Mardi Gras masks, but I succumb to temptation when I see a handmade voodoo doll. After all, you never know when a little magic might come in handy. The food presents a bigger problem. Do I want gator meat on a stick, in a burger or atop a salad? And then there’s the muffuletta, a deli sandwich favored by Sicilian farmers who were selling their goods at the market. We look at the sandwich, a layered powerhouse consisting of a marinated olive salad, three meats and two cheeses. It’s a tough call. We opt for both. (frenchmarket.org)

Faneuil Hall Marketplace: The Nation’s First Festival Market Some folks call it Faneuil Hall Marketplace; others call it Quincy Market. Either way, it’s a favorite meeting place for Bostonians and one of the city’s top visitor attractions. The area was first a public food market, then the site of an historic hall where a reception was held for George Washington. Later, in the nineteenth century, it was the home of one of the largest market

complexes in the country. But despite its storied history, by the early 1970s it was simply a group of decaying buildings, and the city wanted to tear them down. Instead, some concerned citizens turned them into a “festival marketplace,” the first one in the United States. The old Faneuil Hall and Quincy Market became a “festival” of stores, restaurants and pubs, thus revitalizing not only the old buildings but the surrounding area as well.

We snack and wander—taste-testing clam chowder and baked beans, admiring pewter mugs and trying on T-shirts that celebrate Boston colleges and sports teams. Our last stop is at Make Way for Ducklings, a bookstore that honors Robert McCloskey’s classic tale of a group of Bostonian mallards. I resist buying my granddaughter a toy mallard imprinted with the word “Boston,” and instead get her a book of Mother Goose rhymes. She may as well learn now that the little pig who went to market had a lot more fun than the ones who stayed home. (faneuilhallmarketplace.com)

Seattle’s Pike Market is the go-to place for Pacific seafood, whether to eat on the spot or to ship home.

Seattle’s Pike MarketFaneuil Hall, which comprises one part of Boston’s famed market place, has been the site of many historic events, including speeches by Samuel Adams

and a reception for George Washington.

At Faneuil Hall, you can indulge in savory chowder and a host of other New England specialties.

The French Market spans six blocks in New Orleans’ French Quarter.

The entertainment surrounding New Orleans’ French Market is as fascinating as the action inside.

TRAVEL


Navigating the Over-50 Dating WorldBy Joe Cohen

The past-50 world of dating is popular and steadily growing. Whether

you’re heading out for your first date in decades or you’re looking to boost your self-confidence before getting back in the game, check out these tips before you embark on this new chapter of your life:

1. Be wary of the fast pace of social media. Between dating sites, Facebook, and other social networks, the 21st-century relationship is becoming an all-consuming 24/7 experience. Digital technology removes all speed limits on a blossoming romance, but that doesn’t mean you should charge full speed ahead. Constant communication can be overwhelming for one or both sides of a relationship, and you or your partner may need space to reflect on whether it’s a good match. If social media is causing problems, don’t be afraid to take your relationship offline for a period of time.2. Build an authentic online profile.Success in online dating lives and dies by how well you represent your true personality in the digital realm. Take time to thoughtfully build an online profile. Avoid tired clichés and focus

on what makes you unique (hint: it’s not the fact that you love long walks on the beach). The goal is to create an online dating profile that stands out but is authentically you. 3. Boost your confidence with a new look. Whether or not you’re braving the new world of online dating, finding

a new look is a great way to get a shot of confidence for this new adventure. Explore new fashions, wrap yourself in a colorful scarf or accessorize with some stylish frames or a chic wig. Even a small change can provide the spark of confidence you need!4. Keep your mind

and body active. Regular exercise will help boost your daily energy, sharpen your mind and memory, and ward off other symptoms of aging—all huge benefits when it comes to taking your dating game up a notch. Sign up for some group fitness classes, invest in a new wearable fitness device, or download a fitness app to your mobile device to help track your goals. 5. Embrace the new... and the old. Online dating provides countless opportunities for meeting new people, and with an increasing number of tech-savvy boomers joining online dating sites, there’s certainly no shortage of potential sparks. On the other hand, don’t hesitate to look up old friends and flings. A large number of people in over-50 relationships have found love with someone from the past!

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Get Gardening Tips From The ProsJoin other enthusiasts

with edible gardens on Thursday, November 19 for gardening advice and more. Meet at 6:30 p.m. at the North Fort Myers Rec. Center located at 2000 N. Recreation Park Way in North Fort Myers. Arrive at 5:30 p.m. for an open and informal chat on edible topics. This month, Master Gardener Fred Geist will be speaking on Home

Garden Irrigation. Consider bringing something to share with other gardeners (seeds, plants, a snack). Bring your own cup for free coffee and tea. The membership fee for monthly meetings through March is $10. In addition, a $10 Lee Parks

and Recreation lifetime membership is required. For more information, contact Karen Harty at 610-530-8883.


Hosting The In-Laws: 8 Survival TipsThe holidays are approaching, which

means family will be coming to visit. While you may be on fabulous terms with your in-laws, finding it difficult to spend extended periods of time together is not uncommon. So, how do you make it through a visit? Etiquette expert Diane Gottsman offers these tactful tips to help you get through the season with your sanity (and relationships) intact:1. Create a flexible itinerary. Having planned events during their stay allows little time for sitting around. Last-minute planning may also make them feel unimportant.2. Go to the movies or a sports event. Opt for entertainment options that don’t require a great deal of personal interaction. By choosing to attend a local play or art exhibit, you are creating memories with your in-laws while avoiding awkward lulls in conversation.3. Set up a special afternoon…without you. Buy tickets to a city tour or a local wine tasting. Give them suggestions for favorite delis, walking trails and small coffee shops, providing them the opportunity to explore

the city by themselves. Offer to meet up for dinner later at one of your favorite restaurants.4. Have a backup plan to recharge. If you know you can become overwhelmed at times by visitors, have a pre-planned errand, chore or phone call to make, allowing yourself some breathing room. (Just make sure your spouse knows.)5. Host a gathering in your in-laws’ honor. Invite friends with similar interests to meet your in-laws. Your friends will create lively conversation over dinner and help the evening go smoothly, creating a buffer so you don’t have to entertain alone.6. Allow your in-laws to get involved. Don’t forget your in-laws are family. More often than not they will want to help out when it comes to dinners or children. Ask if they would like a special night with the grandkids, so that you

and your spouse can go out for dinner. It’s a win-win for both parties.7. Retire to your room early. Simply say, “Today has been great, I am going to start winding down. Feel free to stay up as late as you would like. See you all in the morning!” This will allow you to reclaim your evening by relaxing in your room.8. Worst Case Scenario. Pay for a hotel or point them in the direction of modestly priced lodging. If you have consistently

had bad experiences with hosting your in-laws, it may be worth the expense to offer to pay for comfortable accommodations close to your home. Say, “Our home is so small, and the kids really need their own space. We’d like to make your stay as pleasurable as possible.” If money is tight, you might say, “We look forward to your upcoming visit. I’m happy to research hotels close by if you give me a price point to stay within? We’d also like to offer the use of our car while you are here.” Bottom line, weigh your risk of hurting the

relationship versus hurting your marriage. “Though a one week stay with your in-laws may seem overwhelming, it’s in everyone’s best interest to maintain a healthy relationship,” Gottsman says. Diane Gottsman is a speaker and author who specializes in executive leadership and etiquette training. Her advice is backed by a Master’s Degree in Sociology with an emphasis on adult behavior. To learn more, visit dianegottsman.com.

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Holiday Memories Table Runner

Create a fun Thanksgiving table runner with your grandkids or

other loved ones that will be a special decoration to pull out every year!

What You Need:Light-colored, solid fabric table runnerNon-toxic fabric paint.PaintbrushPermanent markerWilling hands!

Directions:Step 1: Prep. Wear clothes you don’t mind getting paint on, and cover your table or other workspace with newspaper to protect it. Then lay the table runner flat on your workspace.Step 2. Paint. With the paintbrush, apply your paint of choice to your (or a loved one’s) hand, making sure to cover the entire surface from palm to fingertips.

Step 3: Print. Start at one end of the runner. Press the painted hand firmly onto the fabric until a clean handprint is left. Note: keep baby wipes nearby to keep handprints out of the rest of the house!

Step 4: Embellish! Using a paintbrush or permanent marker, write the name of the handprint’s owner and the year next to their print. Decorate the handprints like turkeys for extra fun. “We have now done this for enough years where the kids embellish the turkeys on their own,” says craft creator Erica Deuel. “I let the kids choose their favorite color for the turkey. It’s fun to watch the kids’ colors change as we add more turkeys every year. It is also fun to see how their handwriting changes as well! This is one of my favorite items to see my kids grow. It’s grown into a fun tradition! Enjoy!” Craft idea by Erica Deuel. Find more at spoonfulofimagination.com.

CREATE & CRAFT

VS

Dallas Cowboys at Tampa Bay Bucs • Nov 15, 1pm

GAME of the MONTH

Shop Savvy With these Savings TipsDon’t get buyer’s

remorse; get smart about shopping! Experts offer these saving tips for the holidays and beyond.1. Avoid impulse purchases at the grocery store with Grocery iQ. (groceryiq.com). You can create a shopping list on your desktop and use it in the store.2. Buy low, sell high. “When I find a good deal on something, I buy two of them and sell one on eBay for the price I paid for both,” says savvy shopper Amy Patterson McPherson from Thomasville, Ga. “That way, the one I keep is free!”3. Shop in January. Post-holidays, retailers slash prices on men’s clothing by up to 50 percent to make room for warmer-weather clothing. Buy suits, sweaters and winter coats this month.4. Flash sale sites, including JackThreads (jackthreads.com), Gilt (gilt.com) and Rue La La (ruelala.com), offer everything from suits to designer sunglasses for as little as half the retail price.

5. Buy luggage in March. Travel retailers know we gear up for spring and summer vacations in March, so they often discount prices.6. Save on shaving. Join a shave club at sites such as Dollar Shave Club (dollarshaveclub.com) or Harry’s (harrys.com) and have quality blades and shave supplies delivered to your doorstep for

less than you spend now.7. Buy sneakers in November. Retailers devote more shelf space to sneakers in early fall, for back to school, then cut prices in November to make way for winter boots.8. Nab the best online deals. Before you hit the “buy” button, install a free Web browser add-on, such as PriceBlink or Shoptimate, to your computer to help you find better deals. PriceBlink, for instance, scans more than 4,000 merchants to find low prices and alerts you to coupons Tips by Terry Bradwell, AARP; Brian Boyé, executive fashion director, “Men’s Health”; and Lynnette Khalfani-Cox, “The Money Coach.” From AARP’s 99 Great Ways to Save: aarp.org.

Quit, And Stay Quit!

November is Lung Cancer Awareness month, and on the 19th, The Great

American Smokeout will make its 40th annual drive to get America to quit. Smoking remains the number one cause of preventable deaths in the U.S., according to the World Health Organization. About 70 percent of the 47million cigarette smokers in the U.S. would like to quit the habit and 42.7 percent have made quit attempts. Unfortunately, the average quit attempt lasts just eight days and only five percent of smokers will manage to quit in a given year. The good news is there is a growing pool of evidence that shows a weekly

approach may provide a formula for increased success. Monday is a proven day when people naturally make healthier choices, and it offers quitters a weekly opportunity to re-quit if a relapse occurs. Through the Quit & Stay Quit Monday program, quitters can join a support community to receive weekly messages, access free tips and stay connected with health experts and others like themselves who

are trying to quit for good. Discover ways to:• Handle and reduce stress• Resist cravings• Conquer withdrawal symptoms• Build social support, and more You can even talk to an expert for free. There’s power in numbers; you don’t have to do it alone. To learn more, visit iquitmonday.orgFor more information about The Great American Smokeout, visit cancer.org/healthy/stayawayfromtobacco/greatamericansmokeout.


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A Thoughtful Lead

By Brian Gunnell and the American Contract Bridge League

South’s 1NT showed 15-17 HCP so, when North invited game with 2NT,

South readily accepted with his top-of-the-line 17-point maximum. After this auction, looking at the West hand only, what would be your opening lead? Against No Trump contracts, conventional wisdom says “Fourth best from your longest and strongest” and, without pausing for thought, many Wests would follow this advice and lead a low Heart. But that doesn’t work out well on this particular deal. Declarer wins the trick, cashes his Diamonds (ending in Dummy), and runs the ♣Q around to West’s King. Now the defense cashes the Hearts, but that is all they get and Declarer has his nine tricks.

A more thoughtful West might conclude that perhaps a passive lead is required. Thought 1: There is a good chance that the ♥K is to West’s right in Declarer’s strong hand. If so, then an opening Heart lead will blow a trick. Thought 2: N-S reached game via an invitational sequence, so the contract may be a close-run thing. Why run the risk of handing Declarer his 9th trick with an aggressive lead? Thought 3: Even if it happens that East has the ♥K, it is somewhat

unlikely that the suit will provide more than four tricks for the defense. That being the case, maybe the defense can afford to be patient. So, with no guarantee of success (opening leads really are something of a crap shoot), West guesses to start with the “top-of-nothing” Spade Seven. Let’s savor the ensuing carnage! Declarer finesses Dummy’s ♠Q (or ♠T), won by East. Back comes a Heart won by West’s Queen. Then another Spade, taken by Dummy’s Ace (Declarer cannot afford another Heart lead from East). The Club finesse loses, and now the defense reels off a bunch of major suit winners. The bottom line is down four!

Visit acbl.org for more about the fascinating game of bridge or email [email protected]. To find a bridge club in Florida, go to district9acbl.org/D9Clubsmap.htm. Bridge article provided courtesy of St. Petersburg Bridge Club: stpetebridge.org.

BRIDGE BITES Turkey Myths BustedTurkey is a major symbol of an

American celebration and our giving for the bounties we are fortunate to enjoy. Dr. Judith Rodriguez, registered dietitian and chairperson of the Department of Nutrition and Dietetics at the University of North Florida, discusses myths and facts about turkey and provides tips for including it in a healthy diet.

Myth: Turkey is indigenous to the country, Turkey.Fact: Of the two wild species of turkey, one is indigenous to the areas from Canada to Mexico and the other is indigenous to the areas from the Yucatan to Guatemala. The Aztecs ate domesticated turkeys. Turkeys were found in the New World and taken back to Spain, where they quickly spread throughout Europe and other regions. It was introduced to England in the 1500s, then the Pilgrims brought it back to North America in the 1620s on the Mayflower, not realizing that America was, indeed, the turkey’s point of origin.

Myth: Eating turkey makes you sleepy.Fact: Turkey contains tryptophan, an amino acid supplement that promotes sleep when taken alone (on an empty stomach). However, turkey contains many other amino acids that probably blunt the impact of tryptophan. If you ingested a large meal, your sleepiness is more likely the result of blood

being diverted from throughout the body, including the muscles and brain, to the stomach for digestion.Myth: Turkey skin is all made up of the bad “saturated” fat.Fact: Turkey skin contains both saturated fat and cholesterol (the “bad”) fats, and also mono and polyunsaturated (the “good”) fats. So, if you are tempted to

have some turkey skin, it’s important that you limit it to a small piece—indulge in a small amount, along with some lean turkey.Myth: Check a whole turkey for doneness by pricking the leg to check for bleeding.Fact: Cook the whole turkey in an oven at 325 degrees. Insert an oven safe thermometer in the lower part of the thigh and be sure to avoid touching the bone. Or place a thermometer in the center of the stuffing. A temperature of 180 degrees in the thigh and 165 degrees in the breast or stuffing indicates doneness. (UNF and Newswise)


Seniors Getting Together4497 SEEKING FRIENDSHIP Are you an honest, caring, W, widower, early 80’s? I am WW, R, P, SD, attractive, SOH, 5’5”, HWP, enjoy walking, music, art, sports fan, dancing, iPad games and family. Reply with telephone number. Estero/Bonita Springs area.4509 SWEET W.W. ISO W gentleman, attractive, Italian American or Jewish. SOH, NS, ND, NDrg, HMP, R, FF, P, TLC.Ages 75 – 79. I am 5’3”, 150 lbs, red hair, blue eyes, compassionate, romantic, likes to travel. Please send recent photo. Port Charlotte area.

MEN SEEKING WOMEN4452 MAN, 71, NS, SD Likes music, movies, books, plants, animals, evening classes. ISO woman, 55 – 72, NS, NDrg, SD for FF, who looks good in shorts or a skirt, likes bicycle riding, kissing, touching, hugging, going out to a pub for a bite and light social drinking. Port Charlotte area. 4500 TO BARBARA. I received your note card in response to my Ad #4452. You stated that if I reply you will respond, and you indicated that you would like to be pen pals, however,

WOMEN SEEKING MEN

4119 SEEKING CHRISTIAN GENTLEMAN Former airline stewardess and model, 5’4”, 104 lbs., widow, slender, white with Ph.D. in healthcare. Fulbright scholar, eats healthy and exercises. Likes sports and animals. Loves the Lord. Florida. 4486 FORMER NATIONAL MODEL, healthy W, F, 62, 5’6”, 140 lbs, long blonde hair, blue eyes, great � gure, many interests, can relocate. ISO w, s, m, NS, SD, NDrg, compassionate, romantic, intelligent “one woman man.” LTR, marriage, serious only, letter/photo. Madeira Beach area.4490 PETITE WW NICE sweet lady, ISO attractive, Italian-American gentleman. SOH, 75 – 79, R, P, FF, Cape Coral or Ft. Myers area. Active, warm, friendly, honest, NS, SD, likes dancing, theatre, dining out. Please write and send photo. 4491 W, WIDOW, ISO W, gentleman, 70’s – 80’s, likes music, dancing, boating, RVing. I am 5’2”, 130 lbs, good health, active. Likes traveling, owns condo in Lehigh Acres. Please write.

you didn’t include any contact info. Please send me your address and I’ll write to you. Port Charlotte area.4499 THE WHOLE NINE YARDS. ISO LTR, non judgmental, SOH, free spirit, literate, enjoys water, kayak, canoe, sailing, swimming. Likes to walk, ride bicycle, explore the inner and outer worlds, toned, yoga, into foreign � lms, theatre, concert, art, ballet, someone to talk to, organic, non GMO, gluten free. 4498 NEW TO FLORIDA. W, M, 70 YO, enjoys sports, movies, dinners, music and having fun. Honest, NS, SD, NDrg. ISO lady, fun-loving with similar interests. Fort Myers area.

TO RESPOND TO AN ADWrite a letter to the person you want to contact. Place that letter in a stamped

envelope and write the ad number on the bottom left hand side of the envelope. Place your stamped, numbered envelope(s), along with $2 for each letter enclosed, into another

envelope and address it to:Lifestyles After 50,

Seniors Getting TogetherP.O. Box 638, Seffner, FL 33584

TO PLACE AN ADSend your ad, stating what category you

would like it placed in, your edition(s), along with a $6 fee for 30 words (25¢ for each additional word, abbreviations not charged) to the News Connection USA, Inc. address listed below. Ads received by the 15th of the month will appear in the following issue. No more than three ads will be accepted each month per person. The editor reserves the right

to edit any ads for space or content. In order to protect our readers’ privacy, we will not include phone numbers, e-mail or home addresses in the ad copy. City

or area included at no charge.

RUN YOUR AD FOR ONLY $6 A MONTHSENIORS GETTING TOGETHER

Personal Ad PlacementDeadline for ads is the 15th of the month prior to placement.

Mark The Edition(s) You Would Like To Run Your Ad In: Tampa Bay & Suncoast (Hillsborough/Pinellas/Pasco)

Lake/Marion/Sumter Southwest (Lee, Collier, Charlotte) Polk

Ad Copy • Please Print Neatly • 30 Word Limit

If more room is needed, please use separate sheet. Mail this form along with$6 for each ad per month (add $4 for each additional edition/market in the same month).

We cannot accept your ad without it. This information is confi dential.

Name:

Address:

City: State: Zip:

Phone: E-mail:

MAIL TO: ATTN. / SENIORS GETTING TOGETHER, NEWS CONNECTION, USA, INC. • P.O. BOX 638., SEFFNER, FL 33583

Only $6 to place an ad!

Title (First 4 Words):

City(No Charge):

Commonly Used Abbreviations:F-Female, M-Male, S-Single, D-Divorced, WW-Widow, A-Asian, B-Black, H-Hispanic, I-Indian, W-White, C-Christian, J-Jewish, YO-Years Old,

YY-Years Young, ISO-In Search Of, SOH-Sense Of Humor, SM-Smokes, S-Light Smoker,

NS-Non Smoker, ND-Non Drinker, SD-Social (Light) Drinker, DR-Drinks, NDrg- No Drugs, LTR-Long Term Relationship, HWP-Height &

Weight Proportional, R-Retired, P-Professional, FF-Friendship First, TLC-Tender Loving Care.

Happy THanksgiving!

From


Enter To Win!

Last Month’s Answers

Senior Connection • June 2005 • page 36

LEARN HOW TO PLAN FOR YOUR PETS IN AN EMERGENCY

The SPCA’s brochure "Our Best Friends Deserve Better Plans" has allthe latest information on Estate Planning for Pets and Florida's PetTrust Law and it is FREE! This brochure helps pet owners plan for theirpets in case of an emergency or in case their pets outlive them. Use thisorder form to order your free materials.

Send Me Information! Clip and mail this coupon

Name: Address:

City: State: Zip:

Home Phone: Work Phone:

E-mail:

� I/We have included the SPCA in my/our estate plan.

Please send me the following information� Best Friends Deserve Better Plans brochures� Pet Alert Wallet Card� In-Case-Of-Emergency Window DecalInformation and notices on Estate Planning for Seminars� Including the SPCA in my will or codicil.� Giving my paid up life insurance policy to the animals at the SPCA� Making the SPCA the beneficiary of my retirement plan

Mail your order form to SPCA,9099 – 130th Ave N, Largo, FL 33773. Or order on line at SPCAFL.org under Estate Planning or call 727-581-3249

Enter to Win!

Send your answers for a drawing. First correct answers selected from the drawing on June 19th will receive $20 cash! Send to:

Mature Lifestyles, 220 W. Brandon Blvd., Suite 203, Brandon, FL 33511Email address:

I am interested in:� Travel / Cruises� Recreation / Leisure� Entertainment / Events

� Insurance� Elder Law / Financial� Housing & Senior

Lifestyles Options

� Personal Health & Fitness

� Home Improvements� Automobiles

NameAddressCity State ZipAge Phone SC/Hills

This month’s

winner is

Myron L. Guisewite

Congratulations !!!

Last Month’sAnswers

FILL IN ANSWERS & WIN MONEY!

Last Month’s Winner Is Jane Morin Congratulations!

FILL IN ANSWERS & WIN MONEY!

Name

Address

City State Zip

Age Phone

E-mail

Send your answers for a drawing. First correct answers selected from the drawing on Nov. 20 will receive $20 cash!

Send to: Lifestyles After 50, P.O. Box 638, Seffner, FL 33583

I want information on: Travel / Cruises Recreation / Leisure Entertainment / Events

Insurance Elder Law / Financial Housing Options Reverse Mortgages

Personal Health & Fitness Home Improvements Automobiles

SW


Tech Talk Giveaway: Hearing AidsWelcome to this month’s

Tech Talk column, where we cover the latest apps, products and websites that make life a little easier. This month, we’re giving away one MDHearingAid AIR Digital Hearing Aid (Can be used for Left or Right Ear) and one FIT digital hearing aid (Right Ear only). You can enter to win one or the other. Please specify which aid you would prefer when sending us your entry. There will be one winner for each hearing aid! With three programs and a volume dial, the AIR accommodates the most common types of hearing loss for confident communication, even in challenging listening environments. Its discreet behind-the-ear design and invisible wire make it almost impossible to notice. The FIT: Are you an active adult who needs hearing help but doesn’t want to be tethered to conventional hearing aids? The FIT was made just for you, with a patented In-The-Ear (ITE) design that

allows natural air movement so you don’t feel blocked off from your surroundings. To order, or learn more, visit mdhearingaid.com. To enter the giveaway, email [email protected] or snail mail us at:

Send us your name, address and phone number by November 19. The drawing will be held on November 20, and the winner will be contacted and announced in

the next issue of Lifestyles After 50. Look for more giveaways in upcoming editions. Good luck!

Attn: ZoinxLifestyles After 50

P.O. Box 638, Seffner, FL 33583

Congratulations!To last month’s winner:

Angela McElroy of ValricoShe won the Zoinx Sunglasses!

The AIR

The FIT

WordSearchAnswers From Oct.

Ray Brothis last month’s winner!

Congratulations!

Word Search NovemberIn the grid below, twenty answers can be found that fit the category for today. Circle each answer that you find and list it in the space provided at the right of the grid. Answers can be found in all directions – forwards, backwards, horizontally, vertically and diagonally. An

example is given to get you started. Can you find the twenty answers in this puzzle?

Send your answers along with your name, address and telephone number to:

LIFESTYLES AFTER 50 P.O. BOX 638, SEFFNER, FL 33583

The first correct answers selected from the drawing on November 20 will win.

WIN! WIN! WIN! GREAT PRIZES!

(Puzzles must be received by November 20, 2015.)

MYSTERY PRIZE!

MYSTERY PRIZE!

Last Month’s Answers October Sudoku

Sara Boisvertis last month’s winner!

Congratulations!

Nov. Sudoku Sudoku requires no arithmetic skills.The object of the game is to fill all the blank squares with the correct numbers. Each row and each column of 9 numbers must include all digits 1 through

9 in any order. Each 3 by 3 subsection of the 9 by 9 square must include all digits 1 through 9 as well. Good luck! The first

correct answers selected from the drawing on Nov. 20 will win.

Send your answers along with your name, address and

telephone number to:Lifestyles After 50

P.O. BOX 638, SEFFNER, FL 33583

WIN! WIN! WIN! GREAT PRIZES! SUDOKU MUST BE RECEIVED BY NOV. 20, 2015

Win Great Prizes!New winner selected each month

Good Luck!

Lifestyles After 50 Southwest Edition, November 2015

Documents

Transcript of Lifestyles After 50 Southwest Edition, November 2015