Lifestyles After 50 Lake/Marion Nov. 2012 edition

AFTER 50Lifestyleswww.LifestylesAfter50FL.com • Lake/Marion • FREE

November 2012

BACKWelcome

to FLORIDA

plus+Shake up the Holiday Table

What is Your Perfect Diet? is Alive and Well

Lifestyles After 50 • November 2012 • page 2

Published monthly by News Connection U.S.A., Inc

Lake, Marion & Sumter Edition

General ManagerDave Tarantul

[email protected]

Publisher/Director of Events & MarketingKathy J. Beck

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EditorJanice Doyle

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Attention Readers: The articles printed in Lifestyles After 50 do not necessarily refl ect the opinion of the Editor or the staff. Lifestyles After 50 endeavors to accept reliable advertising; however, we cannot be held responsible by the public for advertising claims. Lifestyles After 50 reserves the right to refuse or dis-continue any advertisement. Our advertising deadline for the Dec. 2012 issue is Nov. 15, 2012. Magazines are out by the 7th of each month. All rights reserved.

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FCOA

Dear Readers,

Here they come, ready or not! The

species Snowbirdius Floridicus should be arriving in a steady stream start-ing right about—now! License plates tell of their origins, but they’re all coming to the land of palm tree-lined driveways and warm weather. Bring them on, I say! Those of us who endure the hot, sticky summer months are finally starting to get out. We’re eating on the back porch, taking walks without dripping and, well, here come the traffic jams, the crowded doctor’s offices. But wait! It also ENERGIZES our lifestyle and our economy. Yes, come on down, all you Snowbirds! Wealthy Americans started making the trek south beginning in the early 1900s when railroad tracks were laid from Jacksonville to Key West, providing easy access to points south. The likes of Thomas Edison arrived early on. It was after World War II when more middle-income people started to buy winter homes in Florida. But the boom in Snowbirdius Floridi-cus came with Social Security benefits which were tied to inflation in the 1960s. With the advent of Medicare health benefits, the rest is history. The latest study done by the University of Florida almost ten years ago showed that nearly one million people became temporarily Floridian, with Lee County at the top of the list for destinations within the state.

How to Deal with Snowbirdius Floridicus!

Janice Doyle, Editor

Who Are the Snowbirds? Originally, “snowbirds” was a term for Canadians who, early on, purchased inexpensive land and built modest winter homes so they could spend up to six months in the Sunshine State but still retain their homeland residency. Today, snowbirds come from all over—even from no farther than Atlanta or Birmingham—who just enjoy good friends, fun activities and beautiful stretches of beach. For the busy locals who live here year-round, listen for complaints like “what’s with all the big cars and why do they drive so slow?” But those who rely on the influx of cash that comes with the snowbirds often “baby” them because, well, that cash impacts everything from churches to veterans groups. Clubs of all sorts exist only in the winter. Museums open new exhibitions to entice winter groups. Golf clubs spend money and time getting the greens ready.

Friendships are big for snow-birds—connections and comaraderie. Charities look forward to an influx of volunteers, snowbirds often are serving the needs of other snowbirds. Put on a parade, a festival or a fund-raiser and you’ll find snowbirds right in the middle of it.

What’s the best way to deal with snowbirds? Always remember that no matter what it is, they do it different, better, faster, cheaper and more accurately UP NORTH! As long as you can accept that fact, you get to stay in Florida year-round and they get to go back. Be patient with them, because you may visit UP NORTH in the summer and then you can tell them how much better, faster, cheaper and more accurately we do things here. Snowbirds are a win-win situation. Enjoy!

Congratulations!To Jacqueline Frederick of

Lakewood Ranch, winner of last month’s Guy Harvey Outpost

contest. She won a coffee table book autographed by Guy Harvey,

as well as an Outpost tote bag. Thanks to everyone who entered—

look for more great contests in upcom-ing editions of Lifestyles After 50!


People on Medicare...

We Exercise Our

FREEDOMto Choose!

Hector Montes,Member of Freedom VIP Savings (HMO-SNP) Plan Enjoy our OTC program!

Monthly Allowances based

on Plan Selection from $10 to $50(2)(3)

• $0 Plan Premium on most plans(1)

• $0 Primary Care Visits

• $0 Co-pay for Tier 1 Preferred Generic Prescription Drugs. Some plans have $0 or $5 co-pay for Tier 1 through the Coverage Gap.• Fitness Club Memberships(2)

• Dental, Vision & Hearing Benefits(2)

Plus...

That’s between$120 TO $600 IN SAVINGS OVER

THE COURSE OF A YEAR!

Freedom Health is a Coordinated Care plan with a Medicare contract and a contract with the Florida Medicaid program. Freedom plans available are HMO- and HMO-SNP. The benefit information provided is a brief summary, not a complete description of benefits. Benefits, formulary, pharmacy network, premium and/or co-payments/ co-insurance may change on January 1 of each year. Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details. This plan is available to anyone who has both Medical Assistance from the State and Medicare. (1) You must continue to pay your Medicare Part B premium. (2) Limitations, copays and restrictions may apply. (3) Amount varies by plan and county. A sales person will be present with information and applications (enrollment begins OCT. 15th); For accommodations of persons with special needs at sales meetings call 1-888-796-0946. TTY/TDD 1-800-955-8771.This information is available for free in other languages. Please contact our customer service number at 1-800-401-2740, TTY/TDD: 1-800-955-8771 for additional information. Esta infomación está disponible gratuitamente en otros idiomas. Por favor llame al departamento de servicio de miembros al 1-800-401-2740, TTY/TDD: 1-800-955-8771 para más información. 5427_News1_CMS Accepted

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Call Now 1-866-484-1564 TTY/TDD 1-800-955-8771 Attend one of our events

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Dates

October 1, 2012 to February 14, 2013 7 days a week 8 a.m. to 8 p.m. 8 a.m. to 8 p.m. 8 a.m. to 8 p.m.7 days a week

Monday through FridayFebruary 15, 2013 to September 30, 2013 October 1, 2013 to December 31, 2013

Days Times

Jeanne Martineau,Member of Freedom VIP Savings COPD

(HMO-SNP) Plan

LAKEClermont

IHOP Restaurant2589 South Highway 27

Nov. 5, 12, 21, 26 at 2:30 pmNov. 27 at 11:00 am

Lady LakePerkins Restaurant

905 Bichara Blvd.Nov. 5 at 3:00 pm

Nov. 28 at 9:30 am

LeesburgFPG Senior Center

801 East Dixie Ave. Ste. 101Nov. 20 at 2:00 pm

Leesburg cont.IHOP Restaurant

10332 US Hwy. 441 Ste. 101Nov. 1, 7, 15, 26 at 9:30 am

Nov. 13, 27 at 11:30 amNov. 14 at 12:30 pmNov. 23 at 2:30 pmNov. 30 at 11:00 am

Perkins Restaurant27811 Highway 27

Nov. 9, 16 at 3:00 pm

The VillagesPerkins Restaurant4110 Wedgewood Lane

Nov. 12 at 11:00 amNov. 29 at 2:30 pm

The Villages cont. Applebees

1009 Bichara Blvd.Nov. 28, 29 at 9:30 am

TavaresHoliday Inn

3601 West Burleigh Blvd.Nov. 2 at 10:00 amNov. 14 at 9:30 am

Nov. 20, 28 at 2:30 pmNov. 27 at 3:00 pm

MARIONBelleviewCals Place

11007 SE 66th TerraceNov. 2, 9, 23 at 11:00 amNov. 5, 12, 29 at 9:30 am

Belleview cont.Pasta Faire

10401 SE US Hwy. 441Nov. 1, 14 at 9:30 am

SummerfieldTaverna Red

16770 S US Hwy 441 Ste. 608Nov. 1, 5, 12, 15, 19 at 2:30 pm

OcalaHoliday Inn

3600 SW 38th Ave.Nov. 7, 8, 15, 19, 26, 28 at 9:30 am

Nov. 13, 30 at 11:00 amNov. 16 at 2:00 pmNov. 20 at 2:30 pm

Ocala cont.Logans Roadhouse2621 SW 19th Ave. Rd.

Nov. 6 at 3:00 pmNov. 16 at 11:00 amNov. 29 at 2:30 pmSilver Springs

Laroccos Restaurant 5545 E Silver Springs Blvd.

Nov. 6 at 3:00 pmNov. 21, 28 at 2:30 pm

DunnellonBentleys Restaurant11920 North Florida Ave.

Nov. 8 at 2:30 pmNov. 16 at 3:00 pmNov. 21 at 9:00 am

SUMTERBushnell

Beef O' Bradys2586 W County Rd. 48

Nov. 9 at 11:30 am

WildwoodBeef O’ Bradys

840 South Main St.Nov. 1 at 2:30 pm

Nov. 2 at 3:00 pm

Nov. 6, 27 at 12:00 pm


Music for Enjoyment16 – 18 “Elvis

Lives” reflection of the musical life of Elvis Presley. $16. Savannah Center, The Villages, Lady Lake. (352) 753-3229.

16 – 18 “The Great American

Songbook.” Musical Theater Perfor-mance. November 16 and 17 at 7:30 p.m., November 18 at 3 p.m. Fine Arts Center at CF, Ocala. More info at (352) 873-5810.

16 – Dec. 9 “Plaid Tidings,” a holiday edition of “Forever

Plaid.” Bay Street Players at the State Theatre, Eustis. (352) 357-7777.

16 – Dec 15 “The Winter Wonderettes.” Sonnetag

Theatre at the Icehouse, Mount Dora. Tickets and info at (352) 383-4616.

17 “Sounds of the Season” holiday favorites by Ocala Symphony Orchestra.

6:30 p.m. $15. Queen of Peace Catholic Church, Ocala. 18 at St. Mark the Evangelist Roman Catholic Church,

Ocala. For more information, call (352) 351-1606.

19 “Opera Thunder” by Central Florida Lyric Opera. Music

of Broadway, American songs, jazz, Italian masterpieces. Admission: $28/ adults, $25/seniors. Fine Arts Audi-torium at Lake/Sumter Community College, Leesburg. (352) 753-3229.

29 CF Wind Symphony and CF Patriot Singers performance.

7:30 p.m. Free admission. Fine Arts Center at Central Florida College, Ocala. Call (352) 873-5810.

Arts and Crafts EventsAll events are 9 a.m. to 2 p.m.

10 Art Fair at Fox Run Manufactured Home

Park, 440 Fox Run Blvd., Tavares. (352) 508-5307.

10 Arts and Crafts Fair at Haw-thorne of Leesburg, Hwy. 27

south of Lake Harris. (352) 787-0888.

10 Craft and Bake Sale Rolling

Greens Clubhouse, 1415 W. Gleneagles Rd., Ocala. Details at

(352) 694-1999.

17 Royal Highlands Fall Craft Faire.

Hwy 27 and Monarch Blvd. Leesburg. (352) 787-7408.

Art ShowingsThrough Nov. 25 “An Artist’s

Eye for Crime:” The Art of Barbara Maxwell. Area courtroom artist Barbara Maxwell opens her portfolio. Lake Eustis Museum of Art, Eustis. (352) 483-2900.

Through Late 2013 Museum Exhibit. “New World Treasures:

Artifacts from Hernando De Soto’s Florida Exploration.” Rare early 16th

Century Spanish artifacts discovered in Marion County. Appleton Museum of Art, Ocala. (352) 291-4455.

3 through Dec 31 “The Nature of Things:” The Art of Ed Smith.

21 large scale oil paintings depicting wildlife’s struggle to survive with the modern world. Appleton Museum of Art, Ocala. (352) 291-4455.


Wednesdays Live music, danc-ing, Branson star Trey Deec &

and Bontempos. 7 p.m. Windhorse Theatre, Eustis. $7 admission. For more info, call (352) 223-3256.

Through 25 Theatre production of “A Christmas Story.” Ocala

Civic Theatre. (352) 236-2274.

8 Taste of Tavares. Local restaurant food, live entertainment. Tickets:

$25. Elks Lodge, Tavares. 5:30 to 8:30 p.m. (352) 343-2531.

9 Chamber Casino Night. Black-jack, Texas Holdem, slot ma-

chines, roulette and more. American Legion, Lady Lake. (352) 753-6029.

9 and 10 Lake Eustis Fine Wine Festival. Over 100 wines along

with wine and food pairings, live music and more. Ferran Park, Eustis. (352) 357-8555 or eustiswinefest.com.

9 through 11 Holiday Open House. Wine, food, arts, crafts, live mu-

sic. Free admission. Lakeridge Win-ery, Clermont. Call (352) 394-8627.

10 Food Truck-n-Flick Night. 5:30 to 9 p.m. Food trucks;

free screening of “How to Train Your Dragon.” Bring lawn chair. Down-town Leesburg. (352) 365-0053.

11 West-MUTT-Ster Dog Show. Noon to 4 p.m. Variety of

contests. $1 per car admission. Lake County Fairgrounds, Eustis. Info: (352) 589-7400 or humanelake.com.

12 and 13 Entertainment Series. 7 p.m. New Horizons Con-

cert Band Fall Concert. A concert of tunes from the best loved musicals from the 1920’s to 2005. Tickets: $12 and $17. Savannah Center, The Vil-lages, Lady Lake. (352) 753-3229.

15 Classic Comedies Video Series. 2:30 to 4:30 p.m.

Free admission. Tavares Civic Center. Details at (352) 742-6204.

15 through 17 16th Annual Ocala Storytelling Festival.

To be held at different venues;for a complete schedule, visit their website at ocalastorytelling.org

17 Satisfaction: International tribute to the Rolling Stones.

$15 to $28. Circle Square Cultural Center, Ocala. (352) 854-3670.

18 The Menorcans, A Story of Survival, presentation includ-

ing ties to Marian County today. Menorcan refreshments. Marian County Museum of History and Ar-cheology, 307 SE. 26th Terrace, Ocala. 2 p.m. Information at (352) 236-2790.

27 – 30 Theatre production of “White Christmas.” Tickets:

$22 and $27. Savannah Center, The Villages, Lady Lake. (352) 753-3229.

29 Wreaths of Hope. 6:45 p.m.Display of all occasion

wreaths, hors d’oeuvres, entertain-ment and more. $3. The Bridge at Ocala. (352) 873-2036.

30 Christmas Walk. 6 to 9 p.m. Holiday street party with

music, kids’ activities, Santa and more. Downtown Mount Dora. For details, call (352) 383-2165.

30 Christmas Shop Hop and Wine Walk, downtown Leesburg.

5 p.m. Browse the shops as you are serenaded by Dickens’ style carol-ers. Ticket holders will receive a glass of wine at every stop on the wine walk map. Downtown Lees-burg. Information (352) 435-9107.

30 through December 16 The-atre production of “She Loves

Me.” Melon Patch Theatre, Leesburg. Tickets and info: (352) 787-3013.

Send Around Town news to News Connection USA, Inc., P.O. Box 638, Seffner, FL 33583; fax (813) 651-1989 or email [email protected] 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 2

22ndAnnuAlHolidAyopenHouseFree Admission, Live music,

Artist & crAFters, Food & Wine

nov. 9th (10:00 p.m. - 5:00 p.m.)nov. 10th (10:00 p.m. - 5:00 p.m.)nov. 11th (11:00 p.m. - 5:00 p.m.)

Wine&CHoColAteFestivAl$2 donAtion to beneFit the

AmericAn heArt AssociAtion

dec. 8th (10:00 A.m. - 5:00 p.m.)dec. 9th (11:00 A.m. - 5:00 p.m.)


Eenie, Meenie, Miney Mo…Get Your Weight Nice and Low!Low fat, low carb or Mediterra-

nean: which diet is right for you? Losing weight sometimes takes experimentation. Genes, family, your environment—even your friends—influence how, why, what and how much you eat, so don’t get too dis-couraged or beat yourself up because a diet that “worked for everybody” didn’t pay off for you. Try another. Here’s a look at three com-mon diet approaches:

Low fat: Doesn’t taste great …and is less filling Low-fat diets were shoved aside by the low-carb frenzy. But healthy fats can actually promote weight loss, and some fats are good for the heart; eliminating them from the diet can cause problems. Since fat contains nine calories per gram while carbohydrates contain four, you could theoretically eat more without taking in more calories by cutting back on fatty foods

and eating more that are full of carbohydrates, especially water-rich fruits and vegetables. Still, such a diet tends to be less filling and flavorful than other diets, which lessens its long-term appeal and may lead to eating highly processed carbs which sabotages your weight-loss plan.

Low carbohydrate: Quick weight loss but long-term safety questions Eating carbohydrates boosts blood sugar, triggering an outpouring of insulin from the pancreas. The surge of insulin can rapidly drop blood sugar, causing hunger. Limiting carbs in favor of protein and fat is supposed to prevent the insulin surge and make you feel full longer. To make up for the lack of carbohy-drates in the diet, the body mobilizes its own carbohydrate stores from liver and muscle tissue. In the process, the body also mobilizes water, meaning that the pounds shed are water weight which tends to slow and reverse after a while.

The American Heart Association cautions people against following the Atkins diet because it is too high in saturated fat and protein, which can be hard on the heart, kidneys and bones. Most experts believe that the South Beach and other less restrictive low-carbohydrate diets offer a more reasonable approach.

Mediterranean style: Healthy fats and carbs with a big side of fruits and vegetables Good fats are the monounsaturated fats found in olive oil and other oils, and the polyunsaturated fats found in fish, canola oil, walnuts, and other foods. Saturated fat and trans fat are the bad guys. Mediterranean diets tend to have a moderate amount of fat, but most of it comes from healthy fats.

The carbs in Mediterranean-style diets tend to come from unrefined, fiber-rich sources like whole wheat and beans. These diets are also rich in fruits and vegetables, nuts, seeds, and fish, with little meat and cheese. People living in Mediterranean countries have a lifestyle that includes lots of physical activ-

ity, regular meal patterns, wine and good social support, which is believed to help reduce cardiovascular risk and the development of diabetes.

Make your own A good diet should be as good for your heart, bones, brain and colon as it is for your waistline. Such a diet won’t give you a quick fix but offers a lifetime of choices that will be good for all of you, not just parts of you. Successful weight loss depends largely on becoming more aware of your behaviors and starting to change them through learning new skills.

WOMEN’S IMAGING CENTER | TIMBERRIDGE IMAGING CENTER

(352) 671-4300 • www.RAOcala.comWe contract with a wide range of networks, including Medicare, Medicaid, and file all claims with the exception of non-contracted HMOs.

RADIOLOGYASSOCIATES

OF OCALA, P.A.

For everyone counting on you, count on RAORADIOLOGY ASSOCIATES OF OCALA

When choosing an imaging center, you want the assurance that you’ll receive fast, accurate detection, the most advanced technology, and experts trained to catch the finest details. From MRI, high-resolution PET/CT, digital mammography and stereotactic breast biopsy to pain injections, stents and treatments for leg veins and back pain, RAO imaging centers are devoted to you and your loved ones every step of the way.

Our experience and dedication have made RAO’s board-certified doctors the area’s only radiologists with hospital privileges at Munroe Regional Medical Center, Ocala Regional Medical Center, and West Marion Community Hospital, so whether you need in- or outpatient care, you’re always in the thoughtful hands of leading local experts.

The accuracy of experts. The caring of neighbors.

Our specialists are committed to your care. (below, left to right)Rolando E. Prieto, MD; Wendie K. Moore, MD;

Ralf R. Barckhausen, MD; John D. Boon IV, MD

RAO General Practice_MatureLifestyles.pdf 1 10/1/12 3:14 PM


WellCare is here with extra benefits beyond original Medicare. Our variety of Medicare Advantage plans help you get the right care at little or no cost. Speak with a WellCare Representative today to learn how you might qualify for extra help at no extra cost. Along with our dedication to personal service, we offer great benefits like:

• $0 monthly plan premium • Dental, vision and hearing coverage • FREE preventive-care screenings• $0 or low co-payments • FREE fitness center membership • FREE over-the-counter health items• Prescription drug coverage • FREE rides to your doctor and the pharmacy

Medicare Advantage Enrollment is now open! Start talking today.Call 1-877-890-9064 | TTY 711

8 a.m.–8 p.m., 7 days a week. | www.JoinWellCare.com

Find out more at an event in your area.

Contact us today to learn how to get a FREE $10 Walgreens Wellness card.

$10

Wellness CardAlso honored at Duane Reade.

Y0070_NA019939_WCM_ADF_ENG CMS Accepted 08272012 ©WellCare 2012 AA01 FL069_LAKE 11/1/2012 NA_08_12

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WellCare is a Medicare Advantage organization with a Medicare contract. The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Limitations, co-payments and restrictions may apply. Benefits, formulary, pharmacy network, premium and/or co-payments/co-insurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium. If you meet certain eligibility requirements for both Medicare and Medicaid, your Part B premiums may be covered in full. Some plans are available to those who have medical assistance from both the state and Medicare. Premiums, co-pays, coinsurance and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details. WellCare uses a formulary. A sales person will be present with information and applications. For accommodation of persons with special needs at sales meetings, call 1-877-890-9064 (TTY 711). A variety of Medicare Advantage, Part D and Special Needs plans may be discussed. There is no obligation to enroll. Limit one per person. Please contact WellCare for details.

I ______________.

WellCare is here.

deserve more

J47837_7_W47919_AA01_10x9.8125_ENG_NE_WG_LSA5_11012012_72918.indd 1 10/4/12 2:39:09 PM


Ocali Country Days Coming!

Get ready to visit the Florida of Yes-teryear Nov. 10 – 11 when the Sil-

ver River Museum presents traditional folk skills demonstrations, music, crafts and characters from the 1800s. Bluegrass and old-time musicians will perform both days. Vendors will also offer unique crafts and food for sale. Old time skills to witness include log cabin building, sugarcane syrup making, an authentic old-time telegraph station, blacksmith-ing and gemstone mining Characters like cowboys, pioneers, trappers and Civil War soldiers will be on hand to visit.

Silver River State Park is located one mile south of SR 40 on Baseline Road (CR 35). For information, call the museum at (352) 236-5401 or online at SilverRiverMuseum.com.

Lifestyles After 50 • November 2012 • page 9Promo #112103 10/19/12 Pharm Adv Networks/Medicare ROP Market:Trim: 10" x 9.8125" CD: Name MP: Name EPA: Name SEP: PeriscopeLive: — CM: Mark Saunders PM: Brynna Kelley Type: Name Printer/Mfg: NameBleed: — AD: Little & Company CE: Name PB: Kathleen Murphy Dept/Merchant: NameCreated at: 100% CB: Wil Furnstahl CW: Little & Company LS: Name Trims Dev: NameColor: 4 Color Process

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Veterans Corner

Q. Which is the correct spelling of Veterans Day?

a. Veterans Dayb. Veteran’s Dayc. Veterans’ DayA. Veterans Day (choice a, above). Veterans Day does not include an apostrophe but does include an “s” at the end of “veterans” because it is not a day that “belongs” to veterans, it is a day for honoring all veterans.

Q. On what day of the week will Veterans Day be observed?A. Veterans Day is always observed officially on November 11, regardless of the day of the week on which it falls. The Veterans Day National Ceremony, like most ceremonies around the nation, is held on Veterans Day itself. However, when Veterans Day falls on a weekday, many com-munities choose to hold Veterans Day parades or other celebrations on the weekend before or after November 11 so that more people can participate.

Q. Who decides if a governmentoffice or business closes or staysopen on Veterans Day?A. Federal government closings are established by the U.S. Office of Personnel Management (OPM). State and local governments, including schools, are not required to follow OPM closure policies. Likewise, non-government businesses are free to make their own decisions to close or remain open for business, regardless of federal, state or local government closings.

Q. Why do some schools close and oth-ers remain in session on Veterans Day?A. Because there is no legal require-ment that schools close on Veterans Day, individual states or school districts are free to establish their own policies on school closings.

Q. What is the difference between Veterans Day and Memorial Day?

Questions and Answers about Veterans Day

A. Memorial Day is a day for remembering and honoring military personnel who died in the service of their country, particularly those who died in battle or as a result of wounds sustained in battle. While those who died are also remembered, Veterans Day is the day set aside to thank and honor ALL those who served honorably in the military—in wartime or peacetime. In fact, Veterans Day is largely intended to thank LIVING veterans for their service, to acknowl-edge that their contributions to our national security are appreciated, and to underscore the fact that all those who served—not only those who died —have sacrificed and done their duty.Q. Why are red poppies worn on Veterans Day, and where can I obtain them?A. The wearing of poppies in honor of America’s war dead is traditionally done on Memorial Day, not Veterans Day. The practice of wearing of pop-pies takes its origin from the poem “In Flanders Fields,” written in 1915 by John McCrae. For information on how to obtain poppies for use on Memorial Day, contact a veterans service organization, such as the Veterans of Foreign Wars of the United States (VFW) or The American Legion. Q. Is Veterans Day celebrated in other countries?A. Yes, a number of countries honor their veterans each year on November 11, although the name and types of commemorations differ somewhat from Veterans Day celebrations in the United States. For example, Canada and Australia observe “Remembrance Day” on November 11, and Great Britain observes “Remembrance Day” on the Sunday nearest to November 11. If you’re a veteran, we say “Thanks for your service.” Veteran or not, if at all possible, find a way to honor veterans this November 11.

We Salute america’S VeteranS

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“The Veteran” Teaches Lesson in CourageBY NAN ROCHE

Wars have always resulted in stories of heroism and cour-

age. Old soldiers are known for sitting around telling stories, but often their real heroism comes from lessons learned on the battlefield. Set in the aftermath of the Civil War, Stephen Crane’s short story “The Veteran” tells the heroic tale of an old soldier and his grandson. Although, this tale is simple in its form and plot, it expresses a deep and powerful message concerning courage. The tales begins with the grandfather, Old Henry, retelling the story of his first encounter with war. Rather than telling a tall tale about his first battle experi-ence, he tells the truth. “Why, in my

first battle I thought the sky was falling down. I thought the world was coming to an end. You bet I was scared.” The crowd he tells his story to is amazed that a grown man and former soldier would acknowledge his fear. Old Henry goes on to explain what happened because of his fear: he ran away from the fighting. Even though the crowd accepted the Old Henry’s words with a bit of humor, Old Henry’s grandson Jim did not. He was “visibly horror-stricken. His hands were clasped nervously, and his eyes were wide with astonish-ment at this terrible scandal of his most magnificent grandfather telling such a thing. His grandfather had just openly admitted to cowardice in front of the townspeople.

Confused by his grandfather’s admission, young Jim inquires into his grandfather’s actions. Old Henry’s response to his grandson was, “I had to get used to it.” Crane’s lesson is that courage does not come naturally to everyone; sometimes it has to be learned through experience. Jim continues to be perplexed by his grandfather’s words and actions. The story continues with a tragic barn burning. Old Henry realizes the livestock in the barn are trapped there. Instead of sitting back and watching the barn burn like the rest of the crowd, Old Henry jumps into action. He runs into the barn to set the animals free. Inspired by the old soldier, others join in to save the barn and together they manage to free all but one cow and two colts.

Old Henry even saves the life of the man who caused the fire. Even though badly singed by flames, Henry still at-tempts a final rescue, the little colts in the back stall. Tragically, Old Henry never returns from the fiery barn. Although Crane leaves the story with this ending, the moral of his tale is not lessened but rather increased by Old Henry’s death. Through his selfless actions, Old Henry was able to demonstrate a powerful lesson for his grandson. A coward can learn courage, courage can inspire others and courage when practiced makes a hero, even in death. Many veterans have learned lessons of courage from those who fought in battles, especially those who died there.

The American Legion

join in saluting our military veterans of all wars this November 11th - and every day. Thank you for serving

America with honor, courage and commitment.

and

Veterans Day 2012The American Legion - Veterans Still Serving America

This Publicationand


Build A Social Support Core To Maximize Fitness and A Healthy LifestyleBY WALTER URBAN President and owner of Urban Dynamics Inc., a consulting company. www.urbandynamics.net

I have been training in the gym for about 17 years and compet-

ing at a national and international level for almost 15 years. Over this time I have come to value the need to surround myself with a core social support system that embraces and encourages my efforts to maximize my progress and longevity in fitness and a healthy lifestyle. Over the years, my “core” social support group has been composed of my wife, daugh-ters, co-workers, clients and friends.

Whether you’re a regular in the gym or a weekend warrior who wants to get back into shape, finding and maintain-ing core support is a huge asset. As you get older, it’s even harder to main-tain the stamina of earlier years. Core

support fills in the gaps when motiva-tion fatigue and boredom hit you. A number of studies from respectable health organizations reinforce the notion that “social” influence and support can play a big role in fitness and exercise. The key point is that you will do more if you obtain positive outside social core support.Places to seek out “core” support:Training Partners: Seek out others who are exercising to round out your support system. Working out with a partner helps you stay motivated. Find someone who does similar workouts and goes to the gym or attends the same classes that you do. You can push each other when you are at low points and enjoy successes when you are both peaking. Partnerships often extend well beyond the gym to social surroundings.

Family: You normally spend more of your “free time” with family than any other group, making family support paramount. While you are at home and not doing exercise, you and your wife, girlfriend or other members of your

family can work together to live a healthier life-style. This can include taking your whole family to the gym, going on walks or cycling. Personal Trainers: If you can afford it, a personal trainer is the best way to reach or exceed your fitness goals.

A personal trainer will also be able to correct your form and give you tips to make your workouts as successful as possible. He or she will be mental support as well when you just don’t have the motivation to exercise. Social Media: Sounds crazy, but Facebook and

Twitter are outlets that allow you to join online fitness groups and even possibly find training partners. Don’t underestimate this online medium. Doctors: Doctors will be able to give you limited suggestions about your exercise routine but can point out anything you are doing that could be bad for your body. Make sure that you visit your doctor regularly to chart your health and also check with him or her when you drastically change your fitness program. Remember, there is power in numbers, so get as much support whenever or wherever you can. To find more information on Walter Urban and his World and National records please visit walterurban.com. Author Walter Urban set a new Guinness World Weightlifting Record on Sept. 29. The 54-year-old broke the record for the “Heavi-est Sumo Dead lift in one minute” - lifting 10535 LBS in 60 seconds. Walter lifted a 215 lb weightlifting bar 49 times over the 60 sec-onds for the 10535 lbs and the new record.

Health


Take Five! BY JANICE DOYLE

Louis Armstrong, Ella Fitzgerald, Miles Davis, Dizzy Gillespie.

Just a few of the names that made jazz an American household word. Jazz—the only original American art form—originated at the beginning of the 20th century in black communities in the southern U.S. From its birth in a mix of African and European music traditions, jazz is now being embraced by music lovers of all ages and from multiple cultures. And the record industry where jazz made its name might be dead, but jazz itself is very much alive. For many people, the word jazz evokes a singer in a bar, club, restaurant or hotel, reworking the old standards. It’s tied in memory to the cultures that gave it rise: its native New Orleans from the early 1920s, big band swing and Kansas City jazz. And there’s Harlem where the sounds of Duke Ellington, Benny Carter, Charlie Parker, Count Basie, John Coltrane and Billie Holiday reverberated through the streets. There were soul jazz, jazz fusion, smooth jazz and more. Electronics changed everything, and finally, in the seventies, jazz lost much of its popularity and “took a nose dive,” ac-cording to a jazz historian. It looked like jazz was destined to be a memory.

But, as jazz trombonist J.J. Johnson said in 1988, “Jazz is restless. It won’t stay put and it never will.” Jazz didn’t stay down for long.What it is The music form came back and entices younger generations to use their instru-ments for both Sousa marches and jazz because jazz lets them improvise. Older folks might say jazz has to be music you can tap your foot to and dance. Still others want their jazz “to have swing, be soulful,” feeling the blues of an African American church in it some-where—the notes that put a “moan” or “shiver” in John Coltrane’s solos. And free jazz, or improvised music, incorporates all kinds of electronics. West coast Florida jazz clubs are in full swing this month and jazz festivals will continue to draw crowds all season. What’s it all about? What is all that jazz anyway? In jazz, the skilled performer interprets a tune in very individual ways, never playing the same composition exactly the same way twice. Depending upon the performer’s mood and personal experi-ence, interactions with other musicians, or even members of the audience, a jazz musician/performer may alter melodies,

harmonies or time signature at will. Mark Feinman, president of the Al Downing Jazz Association in St. Pete, says jazz is a tradition, passed down from generation and that’s the way to learn it—just as generations learned from

the legendary Al Downing. Today, jazz can be found in both conventional and unconventional places. All the colleges and universities in area promote jazz programs. It’s found in jam sessions and concerts and in huge festivals which bring in big name jazz musicians. Listening to jazz Feinman educates both children (by going into schools) and adults in listen-ing to jazz. “There’s no wrong or right way to listen to jazz,” Feinman says. He says some listeners enjoy focusing on what a musician is doing, watching all his movements as he plays. Other people just listen because it feels right. They become a part of community as a whole with the artists who share their music on the stage and their passion for the people who are listening. If you go to a traditional, classical show, Feinman said, you appreciate that they’re getting it all right—the lights, the sounds—it’s all a part of the ticketed price. “But with jazz you’re involved in the experience.” Instruments in jazz vary from two players to a full 22-piece big band. There’s the stereotypical drum, piano, upright bass; the trumpet, sax and trom-bone. Jazz is now global, and there are strings, oboes, a French horn, baritone, and more, all of which are “widening the palate and colors of jazz.”

Forty years ago popular jazz musicians like Bill Evans listened to Debussy and Chopin and incorporated jazz standards with the harmony of Debussy. On today’s jazz scene, South Ameri-can salsa melodies and rhythms are incorporated with jazz’s improvisation. Or, classic South Indian raga melodies mix with more modern instruments and harmonies. “It goes under the umbrella of jazz because they’re improvising with their rhythms and harmony.” Feinman has a student from China who incorporates his ancient Chinese music into America’s only original art form – jazz. If you take in a jazz festival in the area, Feinman says, “You’ll find ways to chal-lenge your ears. The festival planners will be presenting what they feel com-fortable with and what they have faith in offering as representing good jazz.” So, challenge your ears at one of the area’s many jazz opportunities. It’s the American way!

Jazz Is Alive and Well on the West Coast of Florida

“Take Five” is a jazz piece written by Paul Desmond and performed by

The Dave Brubeck Quartet on their 1959 album Time Out. It became famous for its catchy saxophone melody, a jolting drum solo and the use of the unusual quintuple (5/4) time, from which its name is derived. The song was first

played to a live audience by The Dave Brubeck Quartet at the Village Gate nightclub in New York City in 1959.

“Take Five” has been included in count-less movies and television soundtracks, and still receives significant radio play.

It was the theme music for the NBC “Today” program in the early 60s.

Al Downing (1940 - 2005):

Tuskeegee Airman, jazz musician, teacher, St. Petersburg resident

and founder of the Al Downing Florida Jazz Association.

The Dave Brubeck Quartet.


The Great Cholesterol MythAccording to the authors

of The Great Cholesterol Myth, lowering your cholesterol won’t prevent heart disease—but they have a plan that will. Heart disease is the #1 killer in North America, claiming the lives of thousands of people annually. As doctors work to fight this deadly disease, recent research has created concerns about how we’ve been treating it. Authors Jonny Bowden, Ph.D. and Stephen Sinatra, M.D. say the em-phasis on lowering cholesterol is all wrong, and has been the entire time! In their book, the authors say these are the facts:

• Cholesterol is harmless and is only a minor player in heart disease.

• Cholesterol levels are a poor predictor of heart attacks.

• Half the people with normal cho-lesterol have heart disease while half

the people with el-evated cholesterol have perfectly healthy hearts.• The true cause of heart disease is inflammation.• The number one dietary contributor to heart disease is sugar, which is a far greater

danger to your heart than fat. • New studies suggest that statin drugs may be associated with a higher risk for cancer and diabetes. The doctors urge readers to take a closer look at their eating habits and the steps to take to protect their hearts. They feel that the standard prescrip-tions for lowering cholesterol and fighting heart disease (such as side-ef-fect-causing statin drugs), actually ob-scure the real causes of heart disease. To learn more, read The Great Cholesterol Myth by Jonny Bowden, Ph.D. and Stephen Sinatra, M.D.

At Last, An Explanation:Ever walk into a room with

some purpose in mind, only to completely forget what that purpose was? Turns out, doors themselves are to blame for these strange memory lapses. Psychologists at the Uni-versity of Notre Dame have discovered that passing through a doorway triggers what’s known as an event boundary

in the mind, separating one set of thoughts and memories from the next. Your brain files away the thoughts you had in the previous room and prepares a blank slate for the new locale. It’s not aging, it’s the door! Whew! Thank goodness for studies like these!


As you’ve gotten older, have you noticed that you often find

yourself marching around the house in a huff, searching for misplaced car keys or eyeglasses, or you just cannot remember the name of that new neighbor you met when walking the dog? It’s frustrating, to be sure, says Dr. Anne Fabiny, of Harvard Medical School.Memory-boosting tips Dr. Fabiny suggests these tips and tricks to keep your memory sharp:• Follow routines, such as leaving your car keys, glasses and cell phone in the same place every day so that finding them becomes a “no brainer.”• Slow down and pay attention to what you are doing to give your brain’s memory systems enough time to create an enduring memory.

• Avoid distracting or noisy environments and multitasking—the major memory busters today.• Get enough sleep, reduce stress and check with your doctor to see if any of your medications affect memory.Is it forgetfulness or Alzheimer’s? Worried that your minor memory slips mean you are headed toward Alzheimer’s disease? That’s probably

not the case. Like it or not, science shows that the ability to learn new information and recall it may decline somewhat after 50. “You just can’t pull things out of your memory the way you used to at the same speed,” Dr. Fabiny says. But forgetfulness can be a serious issue if it’s starting to interfere with daily tasks and routines, such as managing your healthcare and finances.

Tips To Get The Most From Your Memory

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Florida Senior Games State Championships Coming

The 2012 Florida International Senior Games & State Cham-

pionships will be held Dec. 1 – 9 in Polk County. These games are qualifi ers for the 2013 National Senior Games, and are expected to draw 2,000 athletes. Open, non-qualifying sports include archery, badminton, billiards, pickle-

ball, powerlifting, race walk, racquet-ball, road race, softball and volleyball. Register, confi rm your registration and events or fi nd information at www.fl asports.com. Of the 23 sports of the 2012 Florida International Senior Games & State Champion-ships, bowling currently leads the pack in individual registrations.

Tributes to Veterans11 Marion Civic Chorale’s “Salute

to Veterans.” 3 p.m. at First Unit-ed Methodist Church, 1126 E. Silver Springs Blvd., Ocala. Admission: free. Donations accepted. (352) 537-8833 or [email protected].

11 Tribute to Our Veterans. Inspi-rational and patriotic songs. $5,

$7.50 and $11 in advance, $15/door. 6 p.m. Church on the Square, The Villages, Lady Lake. (352) 753-3229.

Vets & Spouses Free in NovemberAARP offers Driver Safety

refresher courses for drivers older than 50. Completing the 6-hour course may qualify students for a possible rate reduction on their automobile insurance. $12 for AARP members, $14/non-members. Free for veterans and spouses in Nov. Class locations and registration: aarp.org/driversafety and 1-888-227-7669.

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Slot Machines:Past and Present

BY MARK PILARSKI

Dear Mark: The following quote is from “The Grapes of Wrath” by

John Steinbeck. “Al wiped his hands on his apron. He looked at a paper pinned to the wall over the griddle. Three lines of marks in columns on the paper. Al counted the longest line. He walked along the counter to the cash register, rang “No Sale,” and took out a handful of nickels. “What ya doin’?” Mae asked. “Number three’s ready to pay off,” said Al. He went on the third slot machine and played his nickels in, and on the fifth spin of the wheels the three bars came up and the jackpot dumped out into the cup. Al gathered up the big handful of coins and went back of the counter. He dropped them in the drawer and slammed the cash register. Then he went back to his place and crossed out the line of dots. “Number three gets more play’n the others,” he said. “Maybe I ought to shift ‘em around.” He lifted a lid and stirred the slowly simmering stew.” Is Steinbeck making a mistake about slot machines, or did slot machines in the 1930s have scheduled pay offs instead of being completely random? —Bob H.

Slot machines of today, Bob, are a distant cousin of what Bavarian immigrant Charles Fey invented in 1895. It was Fey who linked the three reels to the slide payout mechanism, creating the first, reeled, mechanical slot machine. In a gesture of patrio-tism, he named it Liberty Bell. The slots of yesteryear work the same as they do today, where a stop on each reel has an equal chance, although today’s symbol combinations are controlled by a Random Number Generator instead of the action of spinning reels. Old slot machines had, as a central element, a metal shaft that supports the reels. This shaft was connected to a handle mechanism that, after a coin detector initially registers that

a coin has been inserted, unlocked a brake so the handle could be pulled. The machine then used a braking system to halt the spinning reels, with the final resting position of the reels matched to a payout system. Slots had a certain number of reels with a specific number of symbols, and each symbol, on a legitimate machine, would have had an equal chance of coming up on a spin. All this is not to say that slot opera-tors in bars and restaurants didn’t rig out machines to pay or stiff patrons. Mechanical slot machines of the past were easy to manipulate and thereby used to cheat naive players. Although the dialog above in Steinbeck’s book lacks machine specificity, and my only recollection of the character Al was that of a cook at a restaurant who ordered Mae to give bread to a migrant family, it is within reason that Al could have known when a jimmied machine was going to pay off.

Speaking of a rigged machine, I own a slot machine from that era, a Mills Mystery, whose stops were fiddled with by a previous owner, and it now pays the highest jackpot on every yank of the handle. It’s stored in the attic because relatives want to keep the winnings. (SENIOR WIRE)

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Don’t despair. Even if Disney World and the greater Orlando

area isn’t high on your radar screen for places to spend a holiday, that doesn’t mean well-meaning friends and relatives (think grandchildren here) won’t pick the time to head for Florida. Take a deep breath and enjoy it! Thanksgiving? Head on over to the Magic Kingdom with the family and find your turkey there. Think of it this way—you’ll have plenty of time to walk off a turkey dinner. And you can be sure you’ll find turkey at all the theme parks. Here are some tips to help plan a Thanksgiving Weekend Disney-Style: 1. All Disney World restaurants will

be open on Thanksgiving Day. Most of the restaurants serve turkey dinner in one way or another, Disney staff told me. Book dining reservations in advance as soon as possible. You can find details and book dining online on Disney’s website or by calling 407-WDW-DINE (407) 939-3463.

Want to go authentic Colonial style? Make reservations at the Liberty Tree Tavern in Liberty Square in Epcot. It’s a true Colonial-themed setting and meal. Make it a history

tour by catching “The American Adventure” next door, a 45-minute program of animatronics and visual effects which takes you through the history of our country. Arrive early and hear the Voices of Liberty sing in the lobby. They are some of Disney World’s top vocal talent. If all else fails for Thanksgiving turkey, grab a smoked turkey leg. You’ll find them near the Lunching Pad in Magic Kingdom near Space

Mountain. Even the German Biergarten adds turkey to their menu. Everyone can dance and sing and enjoy a non-traditional holiday. Reservations? Maybe try reserving

for lunch instead of dinner, and remember that all the Disney resorts also have dining places.

2. If you can say “I Love a Parade” in the band sense of the words, consider that you can see the Parade of Bands on Thanksgiving Day at the Disney World Resort. Bands from around the U.S prepare and join a mass band per-formance for thousands of park guests at the iconic Walt Disney World® performance venue at 10 a.m. Nov. 22.

A Disney World Don’t-Miss: Epcot’s Candle-light Processional begins Nov. 23, the day after Thanks-giving—the same time the Christmas lights are up in the resorts—through Dec. 30. A mass

choir, joined by a 50-piece live orchestra and a celebrity narrator, tell the story of Christmas in words and music in a very moving performance. Performances are held at Epcot’s open-air America Gardens Theatre at 5, 6:45 and 8:15 p.m. each evening. Look for special pricing packages that include dinner reservations. Around Orlando…locals and their visitors can enjoy these holiday events:

Universal Orlando Resort will host Mannheim Steamroller in live performances on select Saturday and Sunday nights in December. Throughout the season there’s Grinchmas! live, musical stage

Celebrate the Holidays Orlando Style

show and a daily Macy’s Holiday Parade (with floats direct from Macy’s Thanksgiving Day Parade). ICE! At the Gaylord Palms Resort: Nov. 10 – Jan. 1 has ice slides and hand-carved sculptures in a 100-acre walk-through ice park. Prices begin at $22/adults. Christmas Celebration at SeaWorld Orlando includes an ice skating show, a special night-time Shamu show, live theatrical performances and fireworks. LEGOLAND Florida hosts Christmas Bricktacular that includes a 30-foot tall Christmas tree made of LEGO bricks. And enjoy the botanical gardens (which were once Cypress Gardens). “Festival of Trees” at Orlando Museum of Art: Nov. 12 – 20 shows off trees, wreaths and gingerbread houses to ignite the holiday spirit. Admission: $10. Orlando Bowl Week: Dec. 26 – Jan. 1. Florida Citrus Sports presents the Russell Athletic Bowl and the Capital One Bowl plus the Fresh From Florida Parade and a concert in Lake Eola Park. Learn more at visitorlando.com.

Travel

Thanksgiving dinner is a festive affair at Liberty Tree Tavern or the Biergarten.

Epcot’s Candlelight Processional

“Grinchmas” at Universal Orlando

Gaylord Palms brings a winter wonderland to Florida with ICE!


Ready or Not, Shopping Season Starts on Black Friday and Cyber Monday

BY ANDREA WOROCH

Both Black Friday and Cyber Monday are great money-saving

opportunities for early-bird holiday shoppers, but what about all the procrastinators out there? I’ve created a quick list of last-minute gift ideas for all those procrastinating shoppers.

1. Think Digital E-books are a classic gift for the readers in your family. Both Amazon and Barnes & Noble offer digital gift purchases of popular titles—all you need to do is peruse, select and send! You can give gift cards and even save money off their face value by purchasing discount online gift cards from GiftCardGranny.com. Magazine or product subscriptions make easy gifts, and with daily deals like Groupon, you can gift a voucher for a night out or a day at the spa.

2. Be Charitable There’s no better time to donate to a charity than during the season of giving. Determine your gift recipient’s favorite cause or organization and donate an amount on their behalf. Not only will your friend or family member be pleased about the gift, but the receiving organization will benefit from your kindness as well.7. Try Ship-to-Store Retailers like Walmart, Target and Home Depot offer free ship-to-store services for shoppers who can’t wait the standard 5 – 7 business days for their gift. By ordering online and having your gifts ready for pickup, you avoid the crowds and save on shipping charges. Andrea Woroch is a nationally-rec-ognized consumer and money-saving expert. You can follow her on Twitter for daily savings advice and tips.

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See website for restrictions. Shrek, Madagascar, Kung Fu Panda and all related characters and properties © 2012 DreamWorks Animation L.L.C. Merry Madagascar © 2012 DreamWorks Animation L.L.C.© 2012 The Coca-Cola Company. “Coca-Cola” is a registered trademark of The Coca-Cola Company. All rights reserved.

It’s the most wonderful time of the year in sunny Florida! November 10 – January 1

Make memories your grandkids will always cherish at Gaylord Palms, where two million twinkling lights, spectacular décor and an amazing 54-foot Christmas tree create a holiday experience like no other! The entire family will enjoy delicious dining and festive entertainment, including the 10th anniversary of ICE! — two million pounds of colorful, hand-carved ice sculptures and slides featuring DreamWorks Animation’s Merry Madagascar. It’s a holiday celebration they’ll never forget!

Christmas at Gaylord Palms® ResortThe Generations Agree. It’s Awesome!

Manners are a common source of differ-

ences among genera-tions. Priscilla Murtha is a Protocol Consultant who offers this advice in those muddy waters about thank you notes for gifts.

Q: I send beautiful gifts to my grandchildren; however, I do not receive a thank you note or even a call that the gift has been received. What should I do?

A: This is a common problem and is not only occurring between generations. Thank you notes are quickly being forgotten, unfortunately. This is what I would recommend—after a week, phone the grandchild (or parent if the child is young) and ask if the gift was even received. Then, to discourage this from happening again, request that a note be sent.

I’m old school and prefer a written

note, but you may have to accept ane-mail thank you. Once you have thathabit established you can move intoquestions like “Was the gift usedand appreciated?” I totally understand—one of my nieces did not receive many gifts in the mail due to her lack of appreciation (lack of communication). It’s frustrating, but a little behavior modification, via courtesy training, goes a long way! Priscilla can be reached by email at [email protected] or online at protocolbypriscilla.com.


BY BILL LOSEY, CFP®, CSA

Classic financial missteps that plague retirees may come as a

result of many factors. Boomers can be aware of their potential difficul-ties as they plan for retirement.1. Leaving work too early. The full retirement age for many baby boomers is 66. As Social Security benefits rise about 8 percent for every year you delay receiving them, waiting a few years to apply for benefits can position you for greater retirement income. Any way you can postpone applying for benefits will leave you with more SSI.2. Underestimating medical expenses. Fidelity Investments says that the typical couple retiring at 65 today will need $240,000 to pay

for their future health care costs (assuming one spouse lives to 82 and the other to 85). Prudent retirees explore ways to cover these costs.

3. Taking the potential for longevity too lightly. At age 65, a man has a 40 percent chance of living to age 85; a woman has a 53 percent chance, according to the Social Security Administration. About half of those aged 45 – 60 underestimated their projected life expectancy. We still have a lingering cultural assumption that our retirements might duplicate the relatively brief ones of our parents.

4. Withdrawing too much each year. You may have heard of the “4 percent rule,” a popular guideline stating that you should withdraw only about 4 percent of your retirement savings annually. The “4 percent rule” isn’t a rule, but many cautious retirees do try to abide by it. So why do some retirees withdraw 7 or 8 percent a year? In the first phase

of retirement, people tend to live it up; more free time naturally promotes new ventures and adventures, and an inclination to live a bit more lavishly.5. Ignoring tax efficiency and fees. It can be a good idea to have both taxable and tax-advantaged accounts in retirement. Get good advice. Account fees must also be watched. The Department of Labor notes that a 401(k) plan with a 1.5 percent annual account fee would leave a plan participant with 28 percent less money than a 401(k) with a 0.5 percent annual fee.6. Avoiding market risk. The return on many fixed-rate investments might seem pitiful in comparison to other options these days. Equity investment does invite risk, but the reward may be worth it.7. Retiring with big debts. It is pretty hard to preserve (or accumu-late) wealth when you are handing chunks of it to assorted creditors.

8. Putting college costs before retirement costs. There is no “financial aid” program for retirement and no “retirement loans.” Try to refrain from touching your home equity or your IRA to pay for your children’s education expenses.9. Retiring with no plan or invest-ment strategy. Many people do this—too many. An unplanned retirement may bring terrible financial surprises; retiring without an investment strat-egy leaves some people prone to market timing and day trading. Plan now to avoid these classic mistakes. Take a little time to review and refine your retirement strat-egy in the company of the financial professional you know and trust. Bill Losey, CFP® is author of “Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional” and he also publishes a free newsletter. Learn more at MyRetirementSuccess.com.

9 Major Retirement Planning Mistakes To Avoid

Make a gift and receive guaranteed, fixed income for life.Fund a Charitable Gift Annuity with a gift of $10,000 (cash or appreciated securities) and enjoy the following benefits:

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Marketing For Sale—The “Smart Alternative” For Selling Your Property

There is a new business in central Florida!

Marketing For Sale LLC. This company has devel-oped a new concept to help owners of real estate sell their properties. They call it “The Smart Alternative”: ½ Cost + 2X Service = Quicker Sale. They are not real estate brokers or realtors… they are real estate market-ing consultants. How it works: The property owner hires the company to provide market-ing consulting services. The company assigns a marketing specialist to work with the client throughout their entire proprietary process, and the result is significant bottom line cost and time savings over a traditional realtor. Their advertising includes their syndicated website, collaborating websites, so-cial, TV, print media and open houses. When a buyer approaches their

client, they send them to a real estate attorney for the sale negotiation, contract and closing. Go to their website at www.marketingforsale.com and play with their “Savings Calculator.”

You will be amazed by the cost savings. They can achieve it by using information technology, social media, globalization and a very low cost company structure. The company has over 40 years of real estate marketing experience. They have an office in central Florida and support 55 and up Adult, Equestrian and Aviation Communities. Look for the upcoming seminars in all three counties: Marion, Lake and Sumter. You will enjoy their information and hospitality. They will save you significant money and time in the selling of your property. Call (352) 633-5039 for details.

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FREE INFORMATION SERVICELifestyles After 50

for information please return completed form to:News Connection USA, Inc. • P.O. Box 278 • Laurel FL 34272-0278

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Win a $25 Gift Certificate to Home Depot!When you complete this form and mail it back, your name will be entered to win a $25 gift certficate to Home Depot.

(Drawing held the 20th of each month.)

Entries will be collected by News Connection U.S.A. for future promotions, special offers, and marketing.

P Last Month’s Winner Was: PP Mary E. Dodge — Congratulations! P

ThanksgivingBY ANN THOMAS

Where I live in Cali-fornia we have wild

turkeys walking around. They are lean, aggressive and unattractive birds and I wonder who first got the idea to eat them. I know the story about the Indians and Pilgrims coming together for this great fall feast and since the In-dians were apparently experts on corn and fish, I’m assuming one of the Pil-grims was responsible for the turkey. I’m trying to imagine the reaction of his wife or mother when he walked in with this dead bird and presented it to her with instruction to be sure and remove the pin feathers before cooking. I’m also having a bit of trouble imagining the reactions of those at that first Thanksgiving when everyone sat down and viewed this mixed assortment of food. Surely this tough, sinewy bird, even minus pinfeathers, couldn’t have commanded center stage. But cod fish, prepared in any way they might have tried, just seems wrong. On the other hand, I know cranberries grow in Massachusetts so there might have been cranberry sauce, which al-ways helps turkey. I’m pretty sure there wasn’t a relish tray, but perhaps gravy? Our elementary school books pre-sented that first gathering as a relaxed, happy party, bringing together good friends to celebrate a good harvest. It appears this idea is what most of today’s families are trying to recreate. I don’t want to be a spoil sport, but there is some misunderstanding here. Even though the Indians brought most of the food because generosity was part of their tradition, it seems the purpose of the gathering was business. In fact, the Pilgrims were attempting to negotiate a treaty of some sort. So, besides being a model for future

Thanksgivings, this get together was also, apparently, the first example of how to conduct a business luncheon. What I don’t know is the role of sports in the day’s activities. Of course

there was no television, but one of our former Presidents demonstrated that it was possible to have everyone run into the yard and begin a game involving some ball. My impression of the Pilgrims is that they were a serious lot and probably didn’t own a ball, much less have an amateur team for that year’s sporting event. The Wamanoags, on

the other hand, having lived in the neighborhood for at least several generations, may have had a history of sports, although probably not football. In our family, Thanksgiving dinner generally ends with pie. It seems likely that both the Pilgrims and Indians would have known about pumpkin, al-though I doubt, under those living con-ditions, the pie crust would have been very flaky. On the other hand, when I was in Massachusetts, I was served something called Indian pudding, a dessert made from corn. I wasn’t fond of it, although the people I was travel-ing with thought it grand. They ordered it with vanilla ice cream and the ice cream certainly improved the dish. Maybe my friends’ fondness for that dessert indicates they’re descended from some of the originals who attended that first dinner party. Still, I’m not at all sure where any of those early diners would have found vanilla ice cream. Ann Thomas can be contacted through her website dr-annthomas.comand on her blog theparentingclinic.comwhich has a section for grandparents.

My Thoughts On...


8 Tips for Gutter CleaningRobert Lenney, inven-

tor of the Gutter-glove gutter guard says, “Cleaning out gutters is pretty easy as long as you know what you are doing. Every time I hear of someone getting hurt from cleaning their gut-ters it makes me cringe, because it could most likely have been avoided had they followed proper cleaning procedures.”Here are his eight tips forthis job:• Let someone know you are

cleaning your gutters.• Use a safe and secure ladder.

Avoid rickety wooden ladders. • Rake leaves off roof first. • Wear rubber-soled shoes when

walking on the roof.

• Use plastic gutter scoop. • Wear gloves and proper eyewear.• Unclog downspouts.• Watch out for hazardous power lines. Lenney says he can’t turn the job into Disney-like fun, but following his tips can at least make it asafe experience.

Shake Up the Holiday Table with More SaladsMaybe it’s time to shake things

up a bit at the holiday table by adding make-ahead cold vegetable salads instead of hot veggie casseroles to the turkey dinner. These could mean the start of new traditions.

Sweet Potato Salad4 small sweet potatoes (Peel, cook

to fork tender and cut up.)4 stalks celery, cut up1 small red pepper, chopped1 cup fresh pineapple chunks

(or canned, drained)2 scallions, chopped

Recipe

Corn salad can be made a day ahead and stored in the fridge. Remove from fridge 30 minutes before serving.

Broccoli and Peanut Salad

1 large or 2 small bunches fresh broc-coli, cleaned and chopped, head only

1 cup mayonnaise3 Tbsp. vinegar3 Tbsp. sugar3 Tbsp. minced onion1/2 cup raisins3/4 cup dry roasted peanuts

Chop broccoli. Mix all other ingre-dients except peanuts and mix with broccoli. Marinate overnight in fridge. Just before serving, stir in peanuts.

Dressing: 1/4 cup mayonnaise1 Tbsp. mustard Mix and chill. Add 1/2 cup toasted pecans just before serving.

Martha Stewart’s Corn Salad6 ears corn or 3 cups frozen corn2 medium tomatoes, chopped3 scallions, thinly sliced crosswise2 sprigs fresh basil1 lime, juiced1/4 cup extra-virgin olive oilSalt & pepper Remove corn kernels from cobs and place in a large bowl. Scrape corn milk from cobs into the bowl. Add remain-ing ingredients and stir to combine.

Gifts From The KitchenLearn to make Gifts from Your

Kitchen at the lake County Extension Office, 1951 Woodlea Road, Tavares. Two classes offered: Nov. 27 5:30 to 7:30 p.m. Nov. 30 10 a.m. to noon Cost per class is $12. Registration required. Call (352) 343-4101.

STATE CERTIFIED LICENSE #CCC1327406 • CBC 1259006

Happy Thanksgiving!


“In Flanders Fields”“In Flanders Fields”

was written by World War I Colonel John McCrae, a surgeon with Canada’s First Brigade Artillery. It ex-pressed McCrae’s grief over the “row on row” of graves of soldiers who had died on Flan-ders’ battlefields, located in a region of western Belgium and northern France. The poem presented a striking image of the bright red flow-ers blooming among the rows of white crosses and became a rallying cry to all who fought in the First World War. The VFW celebrated the 75th anniversary of the Buddy Poppy as its official flower in 1997. While profits from its sales have helped countless veterans and their widows, widowers and orphans over the years, the poppy itself survives as a perpetual tribute to those who have given their lives for the nation’s freedom.

In Flanders FieldsIn Flanders fields the poppies blow

Between the crosses, row on row

That mark our place; and in the skyThe larks, still

bravely singing, flyScarce heard amid the guns below.

We are the dead. Short days agoWe lived, felt dawn, saw sunset glow,Loved and were loved, and now we lie

In Flanders fields.Take up our quarrel with the foe:

To you from failing hands we throwThe torch; be yours to hold it high.If ye break faith with us who die

We shall not sleep, though poppies growIn Flanders fields.

~Lt. Col. John McCrae

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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,

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Senior Connection • June 2005 • page 36

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your stamped, numbered envelope(s), along with $2 for each letter enclosed, into

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Seniors Getting Together1602 S. Parsons Ave.,Seffner, FL. 33584

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Lifestyles After 50 Lake/Marion Nov. 2012 edition

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