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VOLUME 22, NUMBER 10 SOUTHWEST OCTOBER 2011 • Just What the Doctor Ordered • New Technology Benefits Seniors • Tales of the Frugal Couponer • Investing in an Aging World Northern Ireland Treasures Visit our website at: www.seniorconnectionfl.com New RV or Bust... Rails & Tales – Lake Neccudah
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Mature Lifestyles October 2011 Southwest edition

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Page 1: Mature Lifestyles October 2011 Southwest edition

VOLUME 22, NUMBER 10 SOUTHWEST OCTOBER 2011

• Just What the Doctor Ordered• New Technology Benefits Seniors• Tales of the Frugal Couponer• Investing in an Aging World

Northern Ireland

Treasures

Visit our w

ebsite at:

www.seniorconnectionfl.com

New

RV or Bust...

Rails & Tales – Lake Neccudah

Page 2: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 2

Page 3: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 3

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Page 4: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 4

Dear Readers,

Just look at that couple on the cover! Truth be

told, there are many ways to live life in retirement and this one may be the best. Just maybe the ideal retirement is spending a few years driving a comfortable RV around our beautiful United States during the summer and ending up in Florida for the mild winter weather. RVing is pretty awesome with to-day’s RV interiors that rival a luxury home in décor and convenience. As winter approaches, we Florid-ians say let the migration of snow-birds and RVers begin! Although no one knows for sure, estimates range from one million up as to the number of seniors who spend some or all of their winters in Florida.

Why an RV and why Florida? Why RV? Dave Kelly, president of the Florida RV Association, says many people RV because they have memories of camping with parents or grandparents as children. “They’re reliving the past,” Kelly says. “They enjoy the campfires, but they want their conveniences”—conveniences which are found in today’s luxury RVs. In fact, mobile homes, campers and tents have always attracted certain types of people. Opinions vary (usu-ally by how much you yourself enjoy the activity) as to whether camp-ers are the independent type, those interested in the outdoors or people who are loners. Today, they’re just as apt to be socialites who like to have

a ready-made group when the sun sets over the campground—finding neighboring RVers with whom to share a glass of wine or even dinner. I read that Prince Philip, the Duke of Edinburgh, has been a patron of England’s Caravan Club since 1952. I doubt that he hits the open road as a camper much, especially now that he’s turned 90, but that doesn’t mean

he hasn’t wanted to. Remember the classic VW Camp-ervans of the early 70s—filled with American families off to see Yellow-stone or painted in psychedelic colors and full of hippies? According to a recent article in the Financial Times, nostalgic investors are going bon-kers for those classics. Buy an old one and you can have it renovated and retrofitted (to include TV, etc.) at costs of, oh, maybe $20,000. RVer John Laktin says for him there’s all of the above as well as “the lure of the open road and seeing the country at our own speed.” His wife Lois loves “setting up for a night or a week in a campground and stepping out the door into woods and fresh air.” They enjoy the socialization, too, the contentment of inviting the camp-ers next door to sit for an evening enjoying idle conversation and com-paring life stories. (I hear there may be some lies along the way, as well. What was actually said was, “Janice, you can be anything you want to be for one evening around the campfire,

impress the heck out of people and leave before they find out you’re a total jerk or a complete nobody.” Hmmm. Interesting thought.) According to Dave Kelly, Florida offers a great many reasons for making the state a temporary home in the comfort of an RV. Of course, the weather in January is a major factor, but he also says that

Florida offers “so many dealers that provide the prod-ucts and services” for buying and maintaining an RV. Compared to many places up north, competition among dealers here assures owners

of being able to get a good deal. Kelly said Florida boasts 110,000 RV sites in 800 RV parks with an es-timated five million campers visiting each year (not just seniors), making RVing a huge and valuable industry for our state. It doesn’t take much to imagine how much that means to our economy with purchases of gas, groceries, entrance fees, etc. So, if you’re sitting outside your RV reading while enjoying your cup of coffee, we’re glad you’re here. And, hey, invite us over to share an eve-ning—there are a lot of ‘wannabe’ RVers living here in Florida too.

P.S. The couple in the cover picture lives in North Port, Florida. We love them!

RVers and Florida—a Grand Love Affair

Janice Doyle, Editor

This year, I knocked a big one off my bucket list when I took a camp-

ing trip to Yellowstone and the Tetons. I tend to travel alone on trips like these, as most of my friends are at-tached to home and internet access. But one thing I’ve learned over the years is that you’re never alone when you’re camping. There’s a camraderie among campers and RVers.When the whole

country is your backyard, everybody’s your neighbor, and I’ve found this philoso-phy holds true no matter where I travel. I was pitching a tent in the Tetons when two senior RVing couples noticed that I was alone and offered to share their dinner with me. Dave and Karen, Brent and Marilyn were on a road trip from Twin Falls Idaho, spending retirement exploring America. We

talked all evening about grandkids and tall tales, places they’ve seen and where they’re headed next. It may seem like a simple life to some—living on the road, sharing hamburgers with strangers—but for most RVers it’s a chance to make new friends and live life to its fullest, and I’ll never forget their hospitality. Happy Trails! ––Tracie Schmidt, Production

On The Road Again — Living The RV Life!

Lee, Collier & Charlotte Published monthly by

News Connection U.S.A., Inc.

Corporate Advertising Offi ce:P.O. Box 638

Seffner, Florida 33583-0638

Send press releases to [email protected]

News Connection U.S.A. Inc., is also the publisher of

ATTENTION READERS:The articles printed in Senior Connection and Mature Lifestyles do not necessarily reflect the opinion of the Editor or the staff. The Senior Connection/ Mature Lifestyles endeavors to accept reliable advertising; however we cannot be held responsible by the public for advertising claims. Senior Connection/Mature Lifestyles reserves the right to refuse or discontinue any advertisement. Our advertising deadline for the November 2011 issue is October 15, 2011.

Magazines are out by the 7th of each month. All rights reserved.

Hillsborough County:

Hillsborough Edition

Pinellas/Pasco Counties:

Suncoast Edition

Distribution1-888-670-0040

(813) 653-1988888-670-0040

Fax: (813) 651-1989www.seniorconnectionfl .com

888-670-0040

Lake/Marion & Sumter1-888-670-0040

Lee/Collier and Charlotte Counties – Southwest Edition

Sarasota/Manatee EditionDave Tarantul

(941) 375-6260

Associate Publisher:Dave Kelly: (239) 823-3542

Editor: Janice Doyle

Production Supervisor Graphic Design: Kim Burrell

Production Assistant:Tracie Schmidt

Accounting: Vicki Willis

Publisher, President: Kathy J. [email protected]

Customer Service: [email protected]

Page 5: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 5

Casino StyleGames & Internet!

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*All specials subject to change without notice. Limited time offers.

Thursdays 2nd Chance Dance with The Second Act Band and

sounds of the 40s, 50s and 60s. BYOB and snacks. 7 to 9 p.m. $7 per person. Starting Thursday, Oct. 20. Lake Kennedy Senior Center, 400 Santa Barbara Blvd., Cape Coral. Call (239) 574-0575.

9 Chocolate Fair at Cape Coral Yacht Club Ballroom. 11 a.m.

to 3 p.m. Free admission; many chocolate vendors. Phone (239) 574-0807 for more information.

19 Halloween BINGO Extrav-aganza at Cultural Center

of Charlotte County. Dinner at 4:30 p.m.; Bingo at 6:30 p.m. Face Paint or mask for chance for special prizes! Tickets are $35 with dinner ($25 for BINGO only). Tickets at (941) 625-4175 ext. 212.

21– 23 and 28 – 30 Okto-berfest at German American

Social Club. 2101 SW Pine Island Rd., Cape Coral. Music, drinks. 4 p.m. – midnight. Info at gasc-capecoral.com. (239) 283-1400.

20 Preview the new Millen-nium Cognitive Café Brain

Fitness Center, 3525 Bonita Beach Rd., Ste. 107, Bonita Springs. Noon to 3 p.m. 21 from 4 to 7 p.m. (239) 676-8034 or brainfitnesscafe.com.

22 Fall Festival at Fort Myers Christian Church. 10 a.m.

to 2 p.m. Free games, rides, dis-plays and food. Bake sale. 5916 Winkler Rd. Call (239) 433-9696.

22 “Fall for the Arts” event by Alliance for the Arts, 10091

McGregor Blvd. Fort Myers. Free. 10 a.m. to 3 p.m. Live music, theatri-cal performances, demonstrations and much more. $35/Alliancemembers; $50/non-members. Visit Artinlee.org or call (239) 939-2787.

25 Victorian ghost stories with tea and cake in the parlor of Lady

Octavia Ashford at the BurroughsHome & Gardens, 2505 First St. 1 p.m. $25. 28 Spirits on the Gulf wine and delicacies served up with ghostly tales. 7 p.m. Living history tours every Friday morning at 11 a.m. Tours – $10; Lunch – $10. Information at (239) 337-0706or Burroughshome.com.

28 Dinner and Show at Cape Coral Yacht

Club Ballroom. 50s through 80s music and tribute to Doo Wop & Motown. BYOB. Doors open at 6 p.m. 7 to 10 p.m. Admission is $24. Phone (239) 574-0807 for information.

29 Marco IslandBeach Music

Festival. Music, food, activities. Proceeds

benefit American Cancer Society. Marriott Hotel, 400

S. Collier Blvd., Marco Island. Information at 800-438- 4873 or marcoislandbeachmusicfest.com.

29 Cancer Awareness Bicycle Ride. 10, 20, and 30-mile

routes start at Danny’s Downtown Restaurant, Punta Gorda. $25/ lunch, etc. Register at Acme Bike Shop or active.com/INFO or (941) 258-3400.

Nov. 4 and 5 Holiday Craft Bazaar by Shell Point Crafters Group

from 10 a.m. until 3 p.m. Arts, crafts and jewelry by residents. Woodlands Commons at Shell Point Village. Onsite restaurants available for lunch or snack. Door prizes. Free admis-sion. Call (239) 454-2057 for details.

Send Around Town news to Mature Lifestyles Magazine, 1602 S. Parsons Ave., Seffner, FL 33584; fax (813) 651-1989. News must be received by the 10th of the month prior to event (i.e. October 10 for November event.)

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

Page 6: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 6

They say you’re as young as you feel.we agree.

There’s a good chance the SilverSneakers® Fitness Program is offered by your Medicare health plan, Medicare Supplement carrier or retiree group as one of your benefits. A SilverSneakers membership includes access to all basic amenities, group exercise classes, health education and fun social activities at nearly 10,000 fitness locations. Don’t miss out on one of the best ways to be healthy and stay independent! Visit www.silversneakers.com or call 1-888-423-4632 today to find out if you already have this great benefit.

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The formulary list of this program may be subject to get modified or discontinued without prior notice.The brand name of the drugs in the list are for reference purposes only. The dispensed drug will be generic or as permitted by law. All medications referenced in this ad are for up to a 30 day supply. See pharmacist for more details.

Shell Point Concert Tickets Available

Tickets are now available for The Southwest Florida Sym-

phony concerts to be held at Shell Point Retirement Community’s Village Church. Buy tickets for two concert performances for $32 ($20 each for individual concerts). Those two are Schumann and Brahms on November 7 and Bruch and Beethoven on March 23.

The symphony orchestra presents “Timeless Treasure—Holiday Pops” concert on December 19 and includes vocalist Sara Dell’Omo. Tickets for this concert are available now for $25. To purchase tickets or for more information, please call (239) 454-2067 or visit shellpoint.org/concerts.

Conductor Michael Hall and the Southwest Florida Symphony.

Page 7: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 7

LIVE ENTERTAINMENTWith A Great Line-Up of Your Favorite Entertainers

Denise Looney “DJ with a Twist” Singing and spinning your favorite tunes.

TRIVIA FOR PRIZES!!Side By Side: Dan & Rosemarie Smedile

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Rock -N- Ron, Ron Olsen -The One Man Band!

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Page 8: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 8

Presents...

Could Your Grandchild’s Photo be a Winner?

Selected photos will be published in upcoming issues of Mature Lifestyles magazine. Photos will be on display at the

Senior Friendly Extravaganza, November 4, 2011 at the Harborside Event Center,

1375 Monroe St. Ft. Myers 33901. Call 1-888-670-0040 for more information.

Enter Now!

Please enclose this form with your entry. (make sure to sign the bottom) Mail to: News Connection USA,

P.O. Box 638, Seffner, FL 33583-0638

Grandparent Name

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City

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Photo Title

Sender’s Age(s)

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Photo release signature

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Entries must be received by Oct. 12, 2011 to be entered in the Photo Contest. (Send your photos in early so we can share them with our readers). Photos will be returned within 45 days after contest ends, if you include a self-addressed stamped envelope (large enough to fit your photo) and name and address on the back of the photo.

RULES: Photos should be: Maximum size 8 1/2” x 11”, printed on photo paper only. Maximum 5 entries per person. NO professional photos. Please no photos by e-mail.

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Nothing Captures the love of a grandparent for a grandchild more than a great photo!

Education, Awareness and Volunteers Keep Lee County BeautifulBY JANICE DOYLE

Some things are very simple in Rudy Busch’s mind. For example,

he would say that if you educate the public, they will work together to “Keep Lee County Beautiful.” That philosophy has served him well during 22 years as Executive Director of Keep Lee County Beautiful (KLCB). Success is measured in tons of trash that was not on the Gulf beaches and inland rivers of Lee County this year compared to twenty—or even ten—years ago. Some of his plans seem quite simple, like the signs and the 30 shiny litter receptacles placed at handy spots along the beach. But the truth is that as the beaches are cleaner, people are proud of that and help keep them clean. Other plans came from citizens and took coordinating and insight by someone who knew how to get it done, like Busch. Several years ago when foreclosed and abandoned homes became a blight in Cape Coral neigh-

borhoods, 70 residents identified the problem and asked for help. Busch said, “Several private corporations got together and provided a commercial mower, shovels, rakes, yard equipment. Volunteers went out every Saturday to clean up. They cleaned up 1300 abandoned proper-ties last year. The economy has improved this year, but volunteers still do six or seven properties each week.” KLCB serves as “a conduit between the public and private sector.” The KLCB slogan is “Volunteers REALLY DO make it happen.” But, adds Busch, volunteers can’t do it without the support of the corporate and business groups, and so he combines volunteers who have the valuable resources of

time and talent with the community’s business sector. Last month, Busch coordinated the Coastal Cleanup in Lee County (an event held around the world on the third Saturday of every

September). Over 2,000 volunteers, including seven busloads of school kids, participated. An important feature of Coastal Cleanup is the

use of a data card by each group of volunteers to “document every single thing that is put in a trash bag.” Does it matter? Yes, says Busch. “We can tell by the decreasing tonnage year after year that education and awareness have made a difference. There’s no comparison in the illegal dumping 20 years ago compared to today.”

Lee County has made a name for itself with its Waste-to-Energy plant where every pound of solid waste is turned into energy. “We didn’t lobby for it. We educated so people wanted the most efficient and cleanest system.” What can you do? “We have 18 grass roots programs,” said Busch. “We use all kinds of talent and experience and interests.” Find your niche to help Keep Lee County Beautiful!

Some of the programs:• Litter Lookout• Great American Cleanup every spring.• Monofilament Madness (Oct. 30) to

find fishing line and save our birds.• Leave the Scene Clean

Calendar Art Contest• Litter-free event planning for groups• Adopt a Shore The Keep Lee County Beautiful office is at 8211 College Parkway, Ste. 182, Ft. Myers. To volunteer, call (239) 334-3488 or visit their website at klcb.org.

Volunteers clean and sort litter on land and sea.

Page 9: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 9

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Page 10: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 10

Rails and Tales—Meet the Mayor of Lake NeccudahBY TRACIE SCHMIDT

In a quiet mountain valley, about 45 minutes north of Denver, there’s

a town you won’t find on any map. You’ll know it by the rumble of the train tracks and the clear reflec-tion of the Rockies on the town’s namesake: Lake Neccudah. The mayor can trace his roots back to turn-of-the-20th century settlers who reclaimed the city after the mining bust had left it all but a ghost town. An imposing man, he towers over the city—quite literally—as he monitors the comings and goings of the town’s residents and two major rail lines.

Charles (Chuck) Bingham, an actual resident of Valrico, FL, has been build-ing this fi ctional town by hand for about 16 years. Using wood, asphalt tile, sawdust, paint, scale models, panoramic murals and other materials, Bingham has transformed a room in his house into a bustling western town that has taken on a life of its own. “My grandfather in England, Samuel Dunwell, was a railroad engineer, and I have been fascinated by trains since I could remember,” Bingham says about the inspiration behind his town. “My dad would take me down to the station and I loved to watch them coming and going.” His model started small, as a way to relax after a long day’s work. “I’d come home, I’d be all stressed, but then I would put on my magnifi er, take out my fi nest bristle brush and start painting miniatures. It takes all

of your focus, so you have no room to think about your problems,” he laughs. Between 60 and 70 buildings, cars, three trains and over 400 people are all air-brushed or painstakingly hand-painted. If there’s one thing he’s a stickler for, it’s HO scale—a standard among train modelers. “These are not toys, they’re miniatures,” he emphasises, “and I want to make everything as authentic as possible.”The Saga of Lake Neccudah The mayor gave me the grand tour, and as the Lake Neccudah Pacifi c chugged over mountain passes and into

town, past Bingham Lumber, Riverbend Campground, the local soda fountain and elementary school, I couldn’t help but get caught up in the small stories unfolding be-low me. In one part of town, folks were skinny dipping at a pool party while others gathered at a local fairground

to celebrate “Founder’s Day.” “I would bring people in to see the lay-out, and I just started developing stories about the townsfolk,” Bingham shares. He began writing them down to keep everything together and ended up with a 200 page manuscript. He was plan-ning on publishing it when one of his friends suggested that he start a web-site so that others could see his town and share its story. A few months later, the Saga of Lake Neccudah was online.

The Community At Lake Neccudah’s site, you can read the history of the town in full and catch up on the latest news, photos and anecdotes from the residents. Visitors can watch videos of police reports and take an aerial tour of the city, or if they like, rent an apartment in town and become part of the story themselves. Bingham was surprised by how quickly a simple hobby could become an interactive world. “I got going on this, and it just kind of grew! Right now, I have visitors from 173 cities and 22 different countries,” Bingham says. He expects the town to grow even more in the years ahead. To learn more, visit lakeneccudah.com or e-mail [email protected].

M odel trains have been around since the 1890s—from intricate

clockwork models made in Germany to electric-powered, made-to-scale Lionel trains. There are sets for every collector, and their size and detail are limited only by the builder (and his budget). The largest model train in the world is the Miniatur Wunderland in Hamburg, Germany: miniatur-wunderland.com. Bingham spent around $12,000 over the course of several years building Lake Neccudah. Part of it was handmade, but a savvy collector knows how to get parts for less. When he fi rst started out, he would look for models at swap meets, fi nding deals and exchanging stories with fellow enthusiasts. “The internet has killed local hobby

Bingham came up with the name “Lake Neccudah” using an

anagram of his name, his wife’s and his daughter’s. But according to myth, Lake Neccudah takes its name from a loosely translated Indian phrase meaning “where the mountains meet the plains.”

• Lake Neccudah was founded on July 29, 1859 to support min-ers who worked the Colorado gold rush from 1858 – 1861.• In late 1873, five local merchants pooled their resources and founded the Lake Neccudah Rail Road Company to serve the area’s mining and growing agricultural businesses.• In 1947 a British immigrant named Harold Bingham came to Lake Neccudah seeking to rebuild a life for his wife and two small sons. The current mayor (who is famous for his pool parties) is a direct descendant!• Every October, Lake Neccudah res-idents host an annual “Harvest Days” festival to give thanks for blessings.

shop meets,” Bingham admits sadly. However, there are still great deals to be found online, and if you’re willing to make the trip, regional train shows are great places to go model-hunting. Parts Online: internettrains.com;modeltrainstuff.com. Train Shows: The Great Train Expo: trainexpoinc.com; 61st H&R Train Show: hrtrains.com. Can’t get enough trains? Or maybe you’re just starting out and you need a few tips from the pros. Try joining a local model railroad club, and meet some friends. Nearby club: Scale Rails of South-west Florida, Ft. Myers: scalerails.org. Or, check out a local railroad museum: RealRail: realrail.org; Florida Railroad Museum: frrm.org.

Lake Neccudah: History and Fun Facts

start your own model train hobby:

Page 11: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 11

4200 TAMIAMI TRAIL, PORT CHARLOTTECall For Home and Bank Appointments Mon. – Fri. 10 to 6 • Sat. 10:30 – 4:00

Sterling Flatware, Tea Sets, Bronzes, Silver & Gold Boxes, Enameled Objects, Dolls, Mechanical Toys, Military ItemsBUYING

WESTCHESTER GOLD & DIAMONDS 625-0666

JEWELRYModern or Antique

ANTIQUES & Oriental Carpets

PAINTINGS& Furniture

WATCHESPocket & Wrist

COINS & CURRENCY

Silver & Gold

GLASSWAREVases & Lamps

BUYING AUTOGRAPHS: POLITICAL, MILITARY, ENTERTAINERS & SORTS

PREMIUMS PAID FOR:• Big Diamonds• Art Deco• Van Cleefe• Tiffany• Cartier• Webb• Lalique

• Sarouks• Kazaks• Hammadans• Kashans

Any Old Handmade

Carpets

• Clocks• Music Boxes• Anything Old or Unusual

• American or European• Nautical • Children• Scenic • Animals

• Early American• European

Marble Top Inlaid or Carved

• Rolex• Patek Phillippe• Vacheron Constantine• Cartier• Tiffany• Illinois• Hamiliton• Gold or Gold Plated

• Any Unusual

BUYINGGOLD • SILVER • DIAMONDS • COINS • PAINTINGS

ANTIQUES • ORIENTAL CARPETS • ANTIQUE FURNITURE

Tiffany • Loetz • Daum • HandelPairpoint • Cameo • Art Glass

Problem FreeSilver Coins • Pre-1964

Dimes ............90¢ & upQuarters ...... $2.25 & upHalf Dollars . $4.50 & upHalf 1965-70 ..65¢ & upDollars 1935 & Before .......$12.00 & up

Gold Coins

$1.00..............$90 & up$2.50............$150 & up$3.00............$500 & up$4.00.......$15,000 & up$5.00............$215 & up$10.00..........$425 & up$20.00..........$900 & up

Page 12: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 12

OktoberfestSaturday, October 8th, 2011

Fishermen’s Village is located off Marion Avenue in Punta Gorda. From I-75 take exit #164, turn left onto Hwy. 17

and proceed 3 miles to the Village.For more information, call 941 639-8721

or visit Fishville.com. Follow us on

Family friendly FREE festivities include: � 10 am-6 pm East Elementary School PTO Pumpkin Patch � 10:00 am-10:30 am, Center Court, performances by East Elementary and

Sallie Jones School Chorus� 11 am-12 Noon, Center Court

2nd Annual Wiener Dog Derby� 2-4 pm, Center Stage Steinswingers

Oompah Band performing German and Bavarian Polkas, Waltzes and Marches

� 5-9 pm, Center Stage Schuplattler Gruppe Alpenrose dancers and Peter & Edith performing your favorite German tunes

� Village restaurants will feature German food specialties.

A 55 and Over Resident Owned Adult Community on the Caloosahatchee River

in North Ft. Myers, Florida

800-676-3005 • 239-543-3005

14533 Paul Revere Loop, North Fort Myers, FL 33917 • website: www.oldbridgevillage.net • Hours: M – F 9 – 4, Sat. 10 – 3 and Sun. by appt.

50 AVAILABLE LOTS FOR NEW HOMES!Pet SectionAvailable

• Lease or purchase your waterfront or interior lot.• 24 hr. Manned Gated Entry• Two Pools and Spa• Social Activities for All• Marina with Boat Launch and Slips.

Directions:I-75, Exit 143 (Bayshore Road).

West 4 miles to New Post Road.Turn left and follow to security gate.

Driving East on Bayshore, we’re2 miles East of Business 41.

Old Bridge Village Co-op, Inc.Licensed Real Estate Corporation

World Series Baseball ThoughtsA hot dog at the ball

game beats roast beef at the Ritz. —Humphrey Bogart

Baseball is the only field of endeavor where a man can succeeed three times out of 10 and be considered a good performer. —Ted Williams

No game in the world is as tidy and dramatically neat as baseball, with

cause and effect, crime and pun-ishment, motive and result, so cleanly defined. —Paul Gallico

Baseball is almost the only orderly thing in a very

unorderly world. If you get three strikes, even the best lawyer in the world can’t get you off. —Bill Veeck

5th Annual Welcome Back Collector Car Show!

Save the date! On November 12, 2011, check out the 5th

Annual Welcome Back Collector Car Show and Open House presented by the Veteran Motor Car Club of America, S.W. Florida Region. See antique cars from 1910 to 1987 and enjoy live music, office

tours, food and beverages. Free admission and parking to the public. The show will be held at the Sun Newspapers Offices, 23170 Harborview Rd., Port Charlotte, from 9 a.m. to 1 p.m. For more information, please call Don Royston at (941) 575-0202.

Page 13: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 13

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October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011October 2011

Charlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte CountyCharlotte County Fun Events Near Charlotte County

Charlotte County!

7 Singer/Guitarist Ron Harrison performs,

5 – 9 p.m., Center Stage.

12 Country Line Dance Lessons,

$3/person, 7 – 9 p.m., Cen-ter Court. (941) 575-8188.

22 Fine Arts & Crafts Show, 10 a.m. –

6 p.m. Free admission. Call (352) 344-0657.

29 Annual Barktoberfest Pet Costume Contest. 11 a.m. – 1 p.m., Center Court.

Presented by Salty Paws. Pre-registration re-quired. Please call (941) 575-7599 for more info.

Fishermen’s Village is on the waterfront in Punta Gorda. Call (941) 575-3007 for details.

10 “The “Kool Kats,” Francine and Chris,

play a mix of standards and contemporary music every Mon. evening. Doors open at 6:30. Complimentary cake and coffee at 9 p.m. Refresh-ments are available. Cost: $5.

14 Bingo from 11:45 a.m. – 3:30 p.m. in

Centennial Hall. Game packs start at $12.

18 and 19 Pinochle: Tues. from 6 p.m. –

8 p.m. Contract Bridge: Weds. from 12 p.m. to 4 p.m.

All shows at Cultural Center of Charlotte County, 2280 Aaron Street, Port Charlotte. Tickets, times and info: (941) 625-4175.

19 Halloween Bingo at the Charlotte

Cultural Center.Tricks and Treats for everyone! Halloween Dinner at 4:30 p.m., Bingo at 6:30 p.m. Come face-painted or masked and receive a chance for special prizes, including free Bingo packages! Tickets are $35 with dinner ($25 for Bingo only). First 50 to buy a Bingo ticket will receive a free 6 on Bingo cards. To order tickets, please call (941) 625-4175 ext. 212 or visit the Cultural Center Finance Office: 2280 Aaron Street, Port Charlotte.

Join Us For Our Nov. 2011 Edition!

239-823-3542

Call Dave Kelly for Special Rates and

Marketing Packages for the Best of

Charlotte County!!

FEATURED EVENTS

• Oktoberfest: Oct. 8. Pumpkin Patch from10 a.m. – 6 p.m. Student chorus, Wiener dog derby, German Oompah band and Schuplattler

Gruppe Alpenrose dancers throughout the day. German food specialties. Vote for your favorite scarecrow in “Scarecrows on

Parade” for a chance to win a prize! Free admission. Fishermen’s Village, 1200 W. Retta Esplanade, Punta Gorda. (941) 575-3007.

• Hook Kids on Fishing: Oct 15. Bring your grandkids for clinics on fishing, conservation, fishing safety and knot tying. 10 a.m. to 1 p.m. First 100 kids to register (ages 6 –16) receive free rod, reel

and tackle box. Fishermen’s Village, 1200 W. Retta Esplanade, Punta Gorda. Pre-registration required. Call (941) 639-0969.

• Fall For the Arts Festival: Oct. 22. A free family event. Watch area performing groups dance, sing, play instruments and act in mini-performance on the open air amphitheater. Visual art-

ists demonstrate their talents in painting, drawing, sculpting and mixed media demonstrations. 10 a.m. to 3 p.m. Alliance for the

Arts,10091 McGregor Blvd. , Fort Myers. (239) 939-2787.

Helping Hands• R.S.V.P. (Retired & Senior Volunteer Program): (941) 613-2299.

• Meals on Wheels/Friendship Cafe Dining Sites: (941) 255-0723.• Elder Helpline of Southwest Florida: 1-800-398-4233.

Senior Centers and Resources• Senior Friendship Centers: (941) 255-0723 or friendshipcenters.org.

• Area Agency on Aging for Southwest Florida: (239) 652-6901 or aaaswfl.org.• O.C.E.A.N. (Our Charlotte Elder Affairs Network): (941) 235-4500 or ocean-fl.org.

• Charlotte County Council On Aging: (941) 627-2177 or charlottecoa.org.

Happy Halloween!

for

GiveThanks!

Page 14: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 14

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Veterans CornerNews and Observations for VeteransVeterans Promotion – AARP Driving Course is Free during November

All military personnel over 55—active duty, retired, guard, or

reserve—are eligible to receive a free DSP (Driver Safety Program) classroom course during November. Spouses (in-cluding widows and widowers) are also eligible to take the class as space permits. All participating veterans must complete a Veteran Participant Form, to be provided by the instructor during the course. All registrations will be accept-ed on a first-come, first-served basis. The offer does not apply to online cours-es. There are no exceptions to this rule. To locate a course, call the national toll free number 1-888-227-7669 or online at aarp.org/findacourse.

Hang up and Log on! 24/7 Access to VA Prescriptions is now possible with My HealtheVet. With two clicks of your computer mouse VA Prescriptions can be filled by registering for My HealtheVet! Online programs include View Appoint-ments, Health Calendar, Secure Mes-saging and Online Prescription Refill. To start, first, visit MyHealth.va.gov and register for a basic account. Check “VA Patient” when register-ing. Once registered as a “VA Patient” on My HealtheVet, go to “Prescrip-tion Refill” to start. VA Prescrip-tions can be refilled any time from any computer with internet access. My HealtheVet has other features to help take charge of your health. By upgrading with a one-time In Person Authentication (IPA) you can use up-graded features. This includes Secure Messaging, Wellness Reminders and Appointments. To upgrade, watch the IPA Video, print the form and bring it in to a local VA facility. Once upgraded, you have access to current and future My HealtheVet features. Learn more about My HealtheVet by visiting MyHealth.va.gov or contact-ing Todd Wright, My HealtheVet Coordinator, at (618) 997-5311

VHA Services Report VHA (Veterans Health Administra-tion) services were found to be either similar or better than the private sector for several chronic disease treatments, including cancer, researchers reported in the medical journal Annals of Internal Medicine.

Hero Miles for Wounded Warriors Having family around helps wounded war-riors find a new “nor-mal” in their life. The Hero Miles program provides family mem-bers commercial airline flights to the injured service member in the hospital or to rehabilitation programs through donated frequent flyer airline miles. The 2005 Defense Authorization Act created Operation Hero Miles. Currently, Air Tran, Alaska, American, Delta, Frontier, United-Continental and U.S. Airways participate in the pro-gram. Participants in the frequent flyer miles programs may donate their miles to Hero Miles through the airline’s frequent flyer program. Fisher House has information on their Hero Miles website with details about the process (fisherhouse.org/programs/hero-miles). The process for a family member to use Hero Miles usually begins when a caseworker in military or Veterans Administration medical facilities refers a family member to apply for a flight to join their injured or wounded Airman. The Hero Miles administrator coordi-nates the request from a servicemember or their families with the caseworker and makes the airline reservations. To date, Hero Miles has providedmore than 25,000 airline tickets donated by American people to servicemembers and their families. There is at least one Fisher House at every major military medical center to assist families in need and to ensure that they are provided with the comforts of home in a supportive environment.

Page 15: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 15

BlueMedicareSM Regional PPO includes:

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Page 16: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 16

OUR LOVING, COMPASSIONATE CARING SENIORS ARE THERE TO HELP. There’s a huge difference in the kind of home care you can receive from someone who really understands what your life is like as a senior. The concerns you have. The need for indepen-dence. At Seniors Helping Seniors® services our in-home providers are carefully matched with you to provide the best comfort, companionship and safety so you can maintain your independence and stay in your own home.

Call us today! It’s like getting a little help from your friends®

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©2011 Each office is independently owned and operated. All trademarks are registered trademarks of Corporate Mutual Resources Inc. Not all services available in all areas.

Home Care for Seniors by Seniors

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Make A Difference DayFor more than 20 years, USA

WEEKEND Magazine and Hand-sOn Network have joined together to sponsor Make A Difference Day, the largest national day of community service. Make A Difference Day is a celebration of neighbors helping neighbors. Millions of Americans will unite in a common mission to improve the lives of others on Make A Differ-ence Day, Saturday, October 22, 2011. Thousands of projects are planned each year from coast to coast involving corporations, communi-ties, nonprofit organizations, entire states and individual Americans. Make A Difference Day is supported by Newman’s Own, which provides $10,000 donations to charities selected by each of 10 national honorees. On October 22, HandsOn Network together with USA WEEKEND and Newman’s Own will not only seize the moment to inspire, equip and mobilize corporations, nonprofit organizations, families and individuals of all ages to improve their communities, but also engage them to Get HandsOn! throughout the year. Make A Difference Day is the most encompassing national day of helping others. Everyone can participate. Find a need in your com-munity and use the

power of Make A Difference Day to mobilize your family, your neighbors, even your entire town into a day of action. Last year, on its 20th Anniversary, more than 3 million Americans volunteered to help an estimated 20 million people in need of food, clothing, shelter, care and love. RSVP of Lee County, locally spon-sored by Senior Friendship Centers, will be involved in this day of service as part of the Corporation for National and Community Service. There will be several events occurring within Lee County. Past projects have included cleanup projects in neighborhoods, yard work and house cleaning for frail seniors, and collecting toiletries for those in need. Please join us in helping our neighbors and community members. If you are interested in becoming involved in your com-munity, contact Margaret Baugher at 275-1881 ext. 203 or visit daytabank.handsonnetwork.org/ to find all the opportunities in your county.

Live Longer—Make FriendsWhy are friends

so great for our health? It turns out that friends may help us make healthier choices in food. And many psy-chologists now think that without a strong base of social support, people are much more vulnerable to the damag-ing effects of stressful living.

Better with Age In a recent study, seniors over 70 who kept in touch with friends were less likely to die over a 10-year period—phone contact counted too.

Life Support Is your crew undermanned? It’s never too late to make friends. Reach out! Others will do the same for you.

Page 17: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 17

John Kagan, M.D. Michael Jugan, D.O. Pedro Monserrate, M.D. Peter Curcione, D.O.

Athletic Orthopedic and Reconstructive Center offers a full spectrumof sports medicine and reconstructive orthopaedic care including thesurgical and non-surgical treatment of sports and work-related injuriesand orthopaedic conditions caused by age, heredity and disease.

Team physicians for the Everblades, Miracle baseballand several local high school football teams.

Our team of board certified orthopaedic surgeonsspecialize in the following:• Arthroscopy• Sports Injuries• Fracture Care• Arthritis Surgery

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Page 18: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 18

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Mom Was Right—Good Posture Makes You TougherMothers have been

telling their children to stop slouching for ages. It turns out that mom was onto something and that poor pos-ture not only makes a bad impression but can actually make you physically weaker. According to a recent study, adopting dominant poses makes people feel more powerful, in control and able to tolerate more distress.

What it means Fake it until you make it. Rather than curling up into a ball when in pain, this research suggests that a person should do the opposite. Curling up in a ball may make the experience more painful because it will make you feel like you have no control over your circumstances, which may in turn intensify your anticipation of the pain. Standing or sitting up straight

creates a sense of power and control over a situation. Keeping your chin up and assuming a dominant posture might really work to manage emotional pain. It may be that it makes remembering a distressing emotional event less painful.

Caregivers Need to Let Go Caregivers often try to baby those for whom they are caring to help make things easier and alleviate stress. In do-ing this, they force those they are car-ing for into a more submissive position. This possibly renders their patients more susceptible to experiencing pain. Rather, this research suggests that caregivers take a more submissive position and surrender control to those who are about to undergo a painful procedure to lessen the intensity of the pain experienced. (Newswise)

Remain on Your FeetBY YVONNE CURLEY

TV made everyone familiar with the phrase “Help, I’ve fallen

and I can’t get up,” the trademark of Life Alert Emergency Response. Most everyone over 50 is aware of the potential for bad falls and the subsequent need for medical assistance. But it’s true that falls and frailty can make independent living impossible. In the book The Science of Staying Young, authors John Morley and Sheri Colberg say that the best course is knowing how to prevent falls in the first place.

Falling down occasionally is inevitable at any age, they state, and the more active you are the more apt you will be to fall at some point. They encourage readers to learn to mini-mize the impact of falls rather than stop being active in the hopes of not falling. One in three people over age sixty falls each year and 95 percent of all hip fractures are the result of falls. The major risk factors for falls are muscular weakness, poor vision, medication effects, unsteady balance and getting up to go to the bathroom in the night. What to learn from this? Keep healthy, strong, stable and physically active with special empha-sis on balance and strength exercises.

Two other things to know about falls is that dementia doubles the risk and that any new disease impacts your health even if it is only temporary. The authors put the risk factors into an easy-to-remember form with SAFE AND SOUND:

Tips to prevent falls: Do your strength and flexibility exercises, re-move floor clutter and throw rugs, cor-rect your vision and improve lighting.

Simply said, the more active you remain, the less likely you are to lose that capacity. One study showed that for every 287 calories per day those aged 70 to 82 expended doing anything active, they increased their chances of living longer by 68 percent. The study included volunteering, walking, providing care to others and doing household chores. Amazingly, the book notes that watching TV uses almost less energy than sleeping. So, no matter your circumstances, move, move, move.

SAFE AND SOUND• Strength problems (particularly in

quadriceps muscles)• Alcohol in excess• Food-associated low blood pressure• Environmental factors (uneven sur-

faces, poor lighting for example)• Artherosclerotic disease (fainting)• No freedom (restraints that keep

you from being physically active)• Drugs (medication effects)• Sight problems (poor vision from

cataracts, glaucoma or macular degeneration)

• Orthostasis (dizziness or disorien-tation with standing)

• Unsteady balance• Nocturia (frequent need to urinate

during the night• Delirium

One study showed that for every 287 calories per day those aged

70 to 82 expended doing anything active, they increased their chances

of living longer by 68 percent.

Page 19: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 19

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Just What the Doctor Ordered: Your Favorite PastimeBY DR. JOSEPH MARKENSON

The social aspects of your golf game, spending time with

your friends and family, may do wonders for your well-being, but chronic knee pain can make you feel like never lifting a club again. Many of my patients with knee osteoarthritis (OA) have bought into the myth that physical activity will make knees feel worse. However, nothing could be further from the truth, with the right treatment plan. Regular physical activ-ity has actually been shown to improve some arthritis symptoms and promote general health. So a round of golf with friends and family may be a good way to keep your knees working well. Maintaining an active life-style can strengthen muscles, improve functionality and ease pain for people with knee OA.

The American College of Rheumatol-ogy recommends physical activity for managing the condition. While it may seem counterintuitive to do something that hurts in order to ease the pain, walking, aerobics and strength training have all been shown to do just that. In fact, a study in the Annals of Internal Medicine showed that exercise and physical therapy improved function in people with knee OA and may have helped delay or prevent the need for surgery.

Researchers at the Northwestern University Feinberg School of Medicine recently concurred with ear-lier studies, saying that even a small increase in physical activity helped people with knee OA walk faster. They also found that staying active reduced pain, depression and fatigue. There is no “one-size-fits-all” way to treat knee OA. The unique nature of each individual’s condition usually re-quires the need for personal evaluation by a healthcare professional. That is

why finding the right pain manage-ment regimen is an important part of helping patients get and stay active. Treatments are tailored to each patient based on your individual needs. Options include over-the-counter nonsteroidal anti-inflamma-tory drugs (NSAIDs), or, if pain is persistent, speak with your doctor about prescription treatments. Some of the latest advances in topical pain treatments include newer diclofenac applications, which can potentially

offer significant gastrointestinal safety benefits for certain patients. Begin-ning in 2000, a doctor-prescribed diclofenac patch, gel, and topical solution were approved separately for use in the United States. Early action is key, and exercise is an important tool in treating OA. Walking 18 holes is the equivalent of walking 10,000 steps, making golf just one sport that may prove beneficial for people with knee OA. As with returning from any injury, it is important to stay motivated. Whatever activity you choose, I recommend my patients record their progress and encourage their own movement. One way to do this is through the Arthritis Foundation’s Movement Tracker. To find out more information, visit www.arthritis.org. Dr. Joseph Markenson is an at-tending physician at the Hospital for Special Surgery in New York City and professor of clinical medicine at Weill Cornell Medical College.

Page 20: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 20

Free Long-Term Care Planning Guide For Women

Long-term care affects more women than men, yet few women have done

anything to learn about their risks or planning options. Women generally live longer lives than men and, as a result, are significantly more likely to need long-term care. Women are far more likely to suffer from Alzheimer’s disease and almost one million women over age 65 currently reside in nursing home settings versus 335,000 men.“Long-term care is clearly a woman’s issue”, explains Joseph Ferrara, President of Joseph Ferrara Insurance Services located in Ft. Myers. “Women provide the majority of care for their spouses or other aging family members, and because they live longer than men are far more likely to eventually need long-term care themselves”. Planning for long-term care is important for women who are married, living with partners or residing alone. According to a study by the American Association for Long-Term Care Insurance (AALTCI),

the majority of women over 50 under- estimate the risk of needing long-term care and have no plan in place. The organization reports that roughly two-thirds of the $6 billion in yearly long-term care insurance claims benefits are paid to women. Every woman over 50 needs to have a plan in place, Ferrara explains. The best time to start is prior to retirement when you have the greatest number of available options to choose from. A free copy of A Woman’s Guide To Long-Term Care Insurance Protection published by AALTCI can be obtained by contacting:

Joseph Ferrara at 239-931-9555 or by email at [email protected].

Booklet Explains Issues And Options For Women With Spouses and Women Living Alone

Joseph Ferrara

Global Graying: Investing in an Aging WorldBY JEFFREY SEWARD, JD, PH.D, Senior Vice President, Trust Services M&I Wealth Management

In the majority of the world’s countries, people are having fewer

children and they are living longer. Even in the least-developed parts of the world, for the past 20 years fertility rates have been steadily declining while life expectancies have been on the rise. Although the financial mar-kets are influenced by many forces, especially over short time periods, de-mographic forces can have a powerful pull on long-term market performance. Understanding how the three trends below may influence the performance of various investments may help you maximize your portfolio.

Trend 1: More people around the world are in their prime earning years. Right now, the world median age is about 29, though it’s close to 40 in de-veloped countries. Middle-aged people in their prime earning years are more inclined to save than the young or old. Result: A large and growing number of people are socking away money for retirement. As populations age, the supply of capital is likely to continue to grow, helping tamp down interest rates and support prices of financial assets.What you can do: You may find it challenging to earn acceptable returns in a low interest rate environment. Step up your savings while you can in the highest-yielding investments with which you’re comfortable.Trend 2: People are living longer. The average life expectancy world-wide now stands at almost 68 years. In developed regions, it’s about 77 years. Result: Many people are postponing retirement and working longer. That, along with shaky public pension and healthcare programs, may motivate people to seek investments that retain the

buying power of their money over time, even if it means taking on greater risk. What you can do: Despite the poor performance of the past decade, equities have historically outpaced inflation more consistently than other investments. There’s a strong case for maintaining a portion of your assets in equities, even after retirement. Trend 3: The retiree segmentis growing. Not only is the world getting older, but the population of older persons is itself aging. Among those 60 years or over, the fastest-growing segment is age 80 and over.Result: Most people have an innate desire to minimize risk, and that tends to grow more acute in retire-ment, when they start utilizing their savings and investments to maintain their lifestyles. A secular shift toward greater risk aversion would likely favor bonds over stocks. What you can do: Diversification and innovation are likely to become more important in coming years. Consider balancing your stock/bond portfolio with investment products that provide guaranteed income. While it’s good to be aware of the demographic trends that may affect the markets, don’t let them dictate your plan. Stay focused on your objectives and work with a financial professional to identify strategies most likely to help you achieve your personal financial goals. Statistics cited in this article are from the United Nations World Population Database. This article provides insights from M&I Wealth Management that may be useful to you in assessing risks and opportunities in the current environment related to your financial and wealth planning needs. The information contained herein should not be construed as tax, legal, or investment advice, and readers are encouraged to consult their tax, legal, and investment professionals with specific questions applicable to their own financial situations. Past performance is not necessarily a guide to future performance.

Finance

Page 21: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 21

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BY ROSEMARIE HURLEY, CSALong-Term Care Insurance Specialist

In these economic “belt-tightening” days we live in, doing the right thing

with future planning isn’t always easy. But as we all know, the ebb and flow of the economy will eventually right itself and we cannot afford to wait for that to happen. When protecting your assets against the expensive out-of-pocket costs of a Long-Term Care need, it is of utmost importance to take care of this to take advantage of your youth and relative good health. Sometimes things like this cannot wait. Here are a few ideas I’ve come up with: When purchasing a plan, think about self-insuring part of the cost. Clearly, having something in place rather than not acting will be better in the long run than nothing at all. Instead of insuring the entire estimated cost—i.e. $200 per day—think outside the box; reducing the daily benefi t by $50 per day and deciding to self insure the rest is still better than no plan. It will save a good bit of premium too. Instead of purchasing a 5 percent automatic compound infl ation rider, consider CPI or maybe a 3 percent compound infl ation rider. Your benefi t will still grow, but not as aggressively, but again, it’s better than trying to self-insure the whole expense. If you are a single person, consider talking to a relative about purchasing LTC when you do. Some companies offer a “family” discount that will

save you both money. Depending on the company, you can save 10 – 15 percent each by doing that. Check with an association with which you or your employer may belong. There are many association groups that offer discounts to not only the members, but also their employees and relatives. A few examples would be: the Florida Bar, The Florida Medical Association, the FICPA, the Florida Chiropractic Association, etc. to name only a few. I happen to be the Appoint-ed Representatives for these groups, and that will save you money as well. Even losing weight and improving your overall health is not only good for you personally, but it can also change your rate class and save you 15 – 20 percent in Long-Term Care premiums. There are really too many ways to save to mention. The bottom line is, when you talk with someone who is a Specialist, and sells only Long-Term Care insurance plans, you will always save. You’ll save time, confusion and premiums by being able to understand and compare. Be prepared. Plan ahead. Feel free to call me anytime with concerns or questions.

Rosemarie Hurley, Owner of Senior Insurance Solutions, has worked in the senior healthcare market for 21 years. She is a Cer-tifi ed Senior Advisor and has been a Long-Term Care Insurance Specialist for over 18 years. She represents only the fi nest insurance companies in the industry. Can be reached at (239) 274-6678 in Estero, or website: www.longtermcareinsurance-online.com.

Lake Kennedy Senior Center Activities

14 Harvest Homecoming Friday night dinner show

at Lake Kennedy Center. Music, food, entertainment. BYOB. $18/Members; $23/ Non-members. 6:30 p.m. Pre-registration required.

20 Tampa Day Trip with the Kennedy Kruisers

to Yuengling Brewery & The

Florida Aquarium. $50/member cost. Pre-registration required.

Every Friday Dance Jam with The Kennedy Band (formerly the Shell

Factory Band) in the main ballroom. 9:30 to 11:30 a.m. $3 per person. Lake Kennedy Senior Center is at 400 Santa Barbara Blvd., Cape Coral. For more info, call (239) 574-0575.

Page 22: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 22

Northern Ireland’s Treasures

BY KATHY BECK

My visit to Northern Ireland was such a wonderful way to

learn about my Irish heritage. Here is the rest of the story of my visit. After learning about all things Titanic in Belfast it was time to head further north. Our fi rst stop was in Carrickfergus at the Andrew Jackson Cottage—a traditional thatched Ulster –Scots farmhouse built in the 1750s. Andrew Jackson (1767 – 1845)was the 7th President of the United States of America, and his parents emigrated from Ireland in 1765. The centre displays a collection of Ulster patch-work quilts and farm machinery. Next, we traveled back up along the Causeway Coastal Route to Ballintoy, through the stunning villages of Glenarm, Carnlough and Cushendall. We made a short stop in Torr Head for a fantastic view of Scotland and panoramic cliffs. Further up the Coastal Route, we arrived at the Carrick-a-Rede rope bridge in Ballintoy. The hike up to the bridge was exhilarating with stunning views and fauna and bird life. Take the dare to cross this Indiana Jones-style bridge! For more than 350 years, fi sherman have

strung the rope bridge 30 meters above the sea to allow them to access the best places to catch migrating salmon. Now the bridge presents a challenge to visitors to enjoy the same view and high thrills crossing the bridge.

After getting back on the Causeway we headed to Bushmills. Bushmills Irish Whiskey is made at Ireland’s oldest working distillery in County Antrim, Northern Ireland. The distillery celebrated their 400th anniversary of the original license to distill whiskey granted to the Bushmills area in 1608. You can tour the “Grain to Glass” distillery to learn some trade secrets, watch whiskey making take place and enjoy a wee taster, too!

Explore the Giant’s Causeway Amazing! The Giant’s Causeway is recognized as one of the natural won-ders of the world and a UNESCO World Heritage Site. It consists of thousands of hexagonally-shaped basalt columns, some up to 160 meters high, formed 60 million years ago from volcanic lava. You have to see it to believe it. The sense of geological violence is palpable in the place, and standing

among the towering tubes of stone makes the ancient myths of Finn Mc-Cool and Benandonner on giant’s path-way to Scotland seem highly probable. Both the Carrick-a-Rede rope bridge and the Giants Causeway are part of the NationalTrust.org.uk.

Only about an hour away is Galgorm Manor, Ballymena—a wonderful spa and resort. It was just what I needed after such an exciting day. (galgorm.com.) On our next day we had the op-portunity to stop at Ballaghy Bawn. This 17th-century stronghold contains a guide to archaeology, history and na-ture around Bellaghy Bawn. It features Seamus Heaney’s poetry fi lms and broadcasts. As luck would have it, it was a beautiful day to visit the country side and take a step back in time. Last, we had the opportunity to visit the Ulster American Folk Park, which tells the story of emigration during the eighteenth and nineteenth centuries. The Old and New World layout of the Park illustrates the various aspects of emigrant life on both sides of the Atlantic. Traditional thatched build-

ings and costumed demonstrators depict life in Ireland in the 1800s. A full scale replica emigrant ship and the dockside galley give you a real impression of the way it was for our ancestors to make the trip to the New World. When stepping off the ship on the other side, you are in America where log homes, farms with crops and animals depict the new life for the Irish in America. The museum also includes an indoor Emigrants’ exhibition and Centre for Migration Studies library which is accessible to all visitors. (folkpark.com.)

My last night I spent in a Castle at Belle Isle, Fermanagh. The castle is situated in the heart of the Bell Isle Estate, which dates back to the 17th century. I had the Red Room and dinner was served by their Bell Isle Cookery School, which offers cooking classes throughout the year. To learn more about all that Bell Isle has to offer, visit belleisle-estate.com. Thanks to the The Northern Ireland Tourist Board for making this such a delightful trip. To learn more, visit their website at discovernorthernireland.com.

Carrick-a-Rede Rope Bridge

Kathy Beck on the Giant’s Causeway

Ulster American Folk Park

Whiskey sampling at Bushmill’s Distillery

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Page 23: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 23

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Buying a Used RV? Get a Deal, Not a HeadacheBY TERESA AMBORD

Are you in the market for a good used RV? There are

plenty of them out there. But how can the average buyer tell the difference between a good deal and a headache waiting to happen? Before you buy, do your homework. There are lots of resources available to help you make the right decision. Chuck Woodbury, the editor of RVtravel.com says “If I had to boil down my advice, it would be that buyers should take their time with their purchase and do their homework.” With gas prices high, many RV owners are looking to sell, but whatever you do, don’t get in a hurry. Here are some tips I learned from Woodbury and from other seasoned RV dwellers.

• Check the condition of the upholstery, carpet, kitchen, and bathrooms. If they haven’t been well cared for, there is good reason to believe that the working parts underneath have also been neglected.

• Check for strong odors that might indicate the unit had been generally neglected.

• Don’t forget to check the tires, battery, air conditioner and the refrigerator to make sure they are all in good shape.

• Will your family fit comfortably inthe RV?

How to Check for Water Damage The source of water damage may not be obvious. You need to check the RV from top to bottom. Check for the smell of mold or mildew, any discoloration in the ceiling, around all openings to the outside, the insides of all cabinets, open areas where there is equipment and spongy areas in the floor. If you do find water damage but the RV is otherwise sound, take it to a qualified RV technician to find out how bad the damage is and what the cost to repair it is. If the damage compromises the integrity of the vehicle, it may not be worth the fix. On the other hand, you might find the damage is mostly cosmetic and well worth the repair.

It Pays to Sound Like You Know What You’re Doing Know ahead of time what you are looking for so you don’t end up buy-ing a unit just because the price fits your budget. Check out enough models so that you know what floor plans are

comfortable for you. A good pre-buying tip might be to take a weekend trip in a rental RV to see if the floor plan is a good fit for your family. Woodbury advises not buying from a private party unless you first have it checked out by an RV technician and (if motorized) a mechanic. Take the rig for a good test drive on the open road to see if you feel comfortable driving it. Never buy an RV from a campground or a parking lot, said Woodbury. No deal is good enough to take that chance. Finally, Woodbury cautions shoppers about buying prior rental units which may not have been properly cared for. That’s why, he said, you must check every detail or you could get stuck with a “bum rig.” That doesn’t mean that every detail has to be perfect. High mileage, for example, is not all that important if you are mainly driving it to a campground 30 miles away, a few times each year.

Page 24: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 24

BY KATE FORGACH

The older I get, the more I appreciate the body

of my youth. As a Baby Boomer dealing with hear-ing loss (too much rock music), memory loss (not enough Gingko), and un-bending knees (too much biking), I appreciate every bit of senior assistance. That gratitude extends to manufacturers developing products tai-lored for those with reduced capacity or not familiar with our rapidly changing tech world. While some of the following examples weren’t originally designed with America’s elders in mind, they still offer great benefits to those who don’t want to get totally left behind. Here are seven changes age hath wrought in today’s technological world.

1. Dumb Phones I was bereft when my ancient Razr phone disappeared as it was so easy to use and is no longer available. In looking for a replacement, I found most

phones have tiny black buttons and keyboards designed more for texting and playing online than for making calls. Some manufac-turers are listening to these concerns, however, and creating phones specifically

for my brethren. Think Jitterbug and the Doro PhoneEasy series. 2. Intelligent Phones Intel is working on a phone for those who have memory problems. Using caller ID tech, it’ll display a photo of the person calling, the user’s relationship to the caller and information about their last conversation. It would be even more helpful if Intel would create a human-implant screen that would jog my memory upon meeting people I “know.”

3. Nana Technology Companies like Accenture and Intel have teamed up with universities and other researchers in the development of gadgets that make life easier. These include smart walkers users can retrieve by remote control, pillboxes that remind you to take your pills and mailboxes that let you know when mail has arrived. 4. Tablet Computers I’d give my AARP membership for an iPad. The screen is a joy, the touchpad keyboard is nice and big, and, most importantly, it’s entirely intuitive. Apple’s security technology also nearly eliminates spyware and viruses, which are a nightmare to eradicate. In general, touchscreens are easier for seniors to use. It took me just 30 minutes to get an elderly friend up and running on her new Motorola Xoom tablet. Unable to type anymore due to arthritis, the light touch required for these screens opened a whole new world. We loaded a few useful apps, made Google her home page, set up a Gmail account and she was off.

5. E-readers Few books are printed in large type any-more, but e-readers can make every book easy to read. The Kindle, for example, allows users to boost the font size with a touch of a button and the resolution improves with every release. The Barnes & Noble NOOK boasts a full-color display that makes reading even easier.

6. Durable Tech Cases Otterbox has cornered the market on hard-core cases for phones, e-readers, laptops and just about everything else that can be dropped, smashed or end up in water.

7. Online Shopping Shopping the e-commerce way is so much faster and easier for those facing diminished capacities. Plus, the selections are much larger, it’s often also possible to find better prices, and free shipping codes bring your purchase directly to the door without a delivery fee. Isn’t technology wonderful?

The author is a senior-consumer expert for Kinoli Inc.

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Page 25: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 25

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NameAddressCity State ZipAge Phone SC/Hills

This month’s

winner is

Myron L. Guisewite

Congratulations !!!

Last Month’sAnswers

FILL IN ANSWERS & WIN MONEY!ML/SW

Last Month’s Winner Is

Elaine SomozaCongratulations!

SINGER® Sewing Brand Celebrates 160 Years

Remember that sewing machine

you learned to sew on? Was it a SINGER® brand sewing machine? To celebrate 160 years, the com-pany is offering to help you learn historic information about your vintage or antique sewing machine and share your own story about SINGER® and sewing. Go online to mysingerstory.com to help celebrate the brand’s heritage. In January 2012, SINGER® will unveil a limited edition SINGER® 160th anniversary commemorative sewing machine that mirrors machine designs of the past, while offering current, easy-to-use features.

“Since the introduc-tion of the world’s first practical sewing machine 160 years ago, the SINGER® brand has brought the craft of sewing to millions of people across the globe,” said Katrina Helmkamp, CEO of SVP World-wide, producer of the SINGER® products. The mysingerstory.com website is a place to share individual sewing stories and learn more about

personal SINGER® household sewing machines, including the year it was issued and interesting historical facts about sewing from that era. You can learn more online at mysingerstory.com.

Page 26: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 26

Coming November 16

The beloved characters from such films as Shrek,

Kung Fu Panda, and Madagascar join the fun,

just in time for Christmas at

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Give your Holiday Getaway some Character

with two-night Packages starting at $199* per person

for a limited time. For Best Rates Book Today!

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*Per person based on double occupancy and availability, plus taxes, Osceola County assessment fee, resort fee and parking. Extra adult and child rates available. See website for restrictions.

Shrek, Madagascar, Kung Fu Panda and all related characters and properties © 2011 DreamWorks Animination L.L.C.

Tales of the Frugal: Couponing Gone AwryThanks in part to the

popularity of TLCs Extreme Couponing, some shoppers are getting more than they bargained for in pursuit of savings. Coupon Sherpa reflects on the most extreme couponing mishaps to date.

1. “I Didn’t Know it Was a Crime.” That’s what she said. Seriously. Earlier this month, compulsive-coupon-clipper Jamie VanSickler was charged with larceny theft, a misdemeanor carrying a potential jail sentence and hefty fine. Caught in the act by a newspaper-carrier-turned-sting-agent, VanSickler took 185 leftover Sunday newspapers, indicating to police she didn’t realize it was a crime.

2. “No [Coupon] for You!” When a mother of ten tried to redeem coupons at her local Kroger store in Georgia, the store manager allegedly refused to take her clippings and called her a “habitual coupon user.” This southern momma is not only the only victim of “coupon discrimina-tion,” as other shoppers around the country hit roadblocks at the register.

3. Just Another Day at Walmart April Cuevas was temporarily banned from all Walmarts after an altercation involving competitor coupons. When the cashier refused to take the coupons, management was called and a series of unfortunate events ensued. Cuevas misinterpreted the intentions of four male shoppers headed her way during the argument and attempted to film them. A supervi-sor alledgedly scolded her and tried to knock the iPhone from her trembling

hands. Upon exiting the store, Cuevas was pursued by a Walmart employee who demanded she return to “the scene of the crime” and even chased her vehicle as Cuevas left the parking lot.

4. Coupon Capers Lock your doors, close your drapes and hold tight to your...er...newspapers; there’s a new kind of criminal in town. As arrests of self-proclaimed “discount-

seeking thieves” escalate around the country, police warn concerned citi-zens of an increase in newspaper theft.

5. Discount Diva Dishonored On the cusp of a new season of Extreme Couponing, coupon enthusiasts cried foul when one of the featured shoppers was recognized as Jaime Kirlew, aka “Diva for Cou-pons.” Kirlew made a name for herself on YouTube, unwittingly filming her unscrupulous strategy of barcode matching during a shopping trip to Target. After receiving numerous nastigrams, Kirlew quickly threw her enabler (BeCentsAble) under the bus and later admitted to coupon fraud.

From CouponSherpa.com, one of four websites operating under the brand name TheFrugals.com and dedicated to helping consumers save money and live more frugally.

Humor

TLC’s “Extreme Couponing.”

Page 27: Mature Lifestyles October 2011 Southwest edition

Mature Lifestyles • October 2011 • page 27

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Seniors Getting TogetherTO RESPOND TO AN AD

Write a letter to the person you want to contact. Place that letter in a stamped en-

velope and write the ad number on the bot-tom 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:News Connection USA, Inc.

Seniors Getting Together1602 S. Parsons Ave.,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 above. 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.

4046 4-STAR 24 CARAT SERIOUS ROMANTIC desires that one special lady to adore, pamper and spoil. Total, complete and utter devotion and commitment from both parties a must. Age not important—seriousness is.4050 NEEDED SLIM ROMANTIC HEALTHY female, nonsmoker, able to relocate to my new home, share new life, love, companionship, each other. I’m SWM, 66, 5’8”, 155 lbs. Your photo description gets mine – thanks.

Attention SGTers!Screen respondents carefully. Always

meet in public places and have your own transportation. Don’t divulge your home

address. Be sure to provide a way for your correspondent to respond to you – phone number, e-mail address or Post Office Box address. Contact the authorities if you feel

threatened or harassed by an individual. Be patient and careful – a good relationship and

your personal safety are worth the wait!

WOMEN SEEKING MEN

4036 PETITE SENIOR LADY seeking honest, active male companion. I love cooking, travel, dancing and intelligent conversation. FF. NS, ND, SOH. Ft. Myers, Cape Coral area.

MEN SEEKING WOMEN4033 GENTLEMAN SEEKING LOV-ABLE WOMAN in good health, clean, honest, attractive, NDrg, NS, SD, HWP, to enjoy fun/romance. Age/race/religion not important. Please call or write letter, with phone number.

RUN YOUR AD FOR ONLY $6 A MONTH

SENIORS GETTING TOGETHERPersonal Ad Placement

Deadline for ads is the 15th of the month prior to placement.

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

Southwest/Charlotte (Fort Myers/Port Charlotte)

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 confidential.

Name:

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MAIL TO: SENIORS GETTING TOGETHER, C/O NEWS CONNECTION, USA, INC. 1602 S. PARSONS AVE., SEFFNER, FL 33584

Only $6 to place an ad!

Title (First 4 Words):

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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.

Senior GamesThe Florida Senior Games State

Championships and Florida International Senior Games will be held December 3 – 11, 2011 in Polk County, Florida. The 2011 Games will introduce the Florida International Senior Games, where all out-of-state domestic and international competitors are only permitted to compete in the Inter-national Games, and qualifying at a local event is not required. Listing of sports offered: Archery, Badminton, 3-on-3 Basketball, Billiards, Bowling, Cycling, Golf, Horseshoes, Pickleball, Power-lifting, Race Walk, Racquetball, Shuffleboard, Softball, Swimmng, Table Tennis, Tennis, Track and Field, Volleyball and more. For more information, contact the Florida Sports Foundation at (866) 354-2637 or e-mail them at [email protected], or visit www.flasports.com.

Page 28: Mature Lifestyles October 2011 Southwest edition

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*You must continue to pay the Medicare Part B premium, unless paid by Medicaid or another third party.** Excludes Tier 4 Generics.A Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor.These contracts are renewed annually, and the availability of coverage beyond the end of the current contract year is not guaranteed. Exclusions, limitations, copayments, coinsurance and deductibles may apply.The benefit information provided herein is a brief summary, not a comprehensive description of benefits.Blue Cross and Blue Shield of Florida is an Independent Licensee of the Blue Cross and Blue Shield Association.For more information contact the plan.Y0011_71872RA 0911 File & Use 09192011BMRPP0

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hearing coverage included> $0 copayments for home delivery

pharmacy (90-day supply of generics)**> Exclusive Member Discount Programs and

online coupons for popular products

*You must continue to pay the Medicare Part B premium, unless paid by Medicaid or another third party.** Excludes Tier 4 Generics.A Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor.These contracts are renewed annually, and the availability of coverage beyond the end of the current contract year is not guaranteed. Exclusions, limitations, copayments, coinsurance and deductibles may apply.The benefit information provided herein is a brief summary, not a comprehensive description of benefits.Blue Cross and Blue Shield of Florida is an Independent Licensee of the Blue Cross and Blue Shield Association.For more information contact the plan.Y0011_71872RA 0911 File & Use 09192011BMRPP0

Get your FREE Information Kit now!Choose one of these convenient ways to find out more...

Call toll-free 1-800-617-7294 24 hours a day, everyday.(TTY users dial 1-800-955-8771.) Visit us online at www.flbluemedicare.com/value.Stop by your local Florida Blue center or contact your local agent.

BlueMedicareSM Regional PPO includes:

MonthlyPlan Premium*

Get a Medicare Advantage plan that’s right for you.

Attention Florida Residents with Medicare…Annual Election Period ends December 7, 2011.

> No monthly plan premium*> No referrals> Freedom to choose your doctors and

hospitals nationwide > Prescription drug, dental, vision and

hearing coverage included> $0 copayments for home delivery

pharmacy (90-day supply of generics)**> Exclusive Member Discount Programs and

online coupons for popular products

*You must continue to pay the Medicare Part B premium, unless paid by Medicaid or another third party.** Excludes Tier 4 Generics.A Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor.These contracts are renewed annually, and the availability of coverage beyond the end of the current contract year is not guaranteed. Exclusions, limitations, copayments, coinsurance and deductibles may apply.The benefit information provided herein is a brief summary, not a comprehensive description of benefits.Blue Cross and Blue Shield of Florida is an Independent Licensee of the Blue Cross and Blue Shield Association.For more information contact the plan.Y0011_71872RA 0911 File & Use 09192011BMRPP0

Get your FREE Information Kit now!Choose one of these convenient ways to find out more...

Call toll-free 1-800-617-7294 24 hours a day, everyday.(TTY users dial 1-800-955-8771.) Visit us online at www.flbluemedicare.com/value.Stop by your local Florida Blue center or contact your local agent.

BlueMedicareSM Regional PPO includes:

MonthlyPlan Premium*

Get a Medicare Advantage plan that’s right for you.

Attention Florida Residents with Medicare…Annual Election Period ends December 7, 2011.

> No monthly plan premium*> No referrals> Freedom to choose your doctors and

hospitals nationwide > Prescription drug, dental, vision and

hearing coverage included> $0 copayments for home delivery

pharmacy (90-day supply of generics)**> Exclusive Member Discount Programs and

online coupons for popular products

*You must continue to pay the Medicare Part B premium, unless paid by Medicaid or another third party.** Excludes Tier 4 Generics.A Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor.These contracts are renewed annually, and the availability of coverage beyond the end of the current contract year is not guaranteed. Exclusions, limitations, copayments, coinsurance and deductibles may apply.The benefit information provided herein is a brief summary, not a comprehensive description of benefits.Blue Cross and Blue Shield of Florida is an Independent Licensee of the Blue Cross and Blue Shield Association.For more information contact the plan.Y0011_71872RA 0911 File & Use 09192011BMRPP0

Get your FREE Information Kit now!Choose one of these convenient ways to find out more...

Call toll-free 1-800-617-7294 24 hours a day, everyday.(TTY users dial 1-800-955-8771.) Visit us online at www.flbluemedicare.com/value.Stop by your local Florida Blue center or contact your local agent.

BlueMedicareSM Regional PPO includes:

MonthlyPlan Premium*

Get a Medicare Advantage plan that’s right for you.

Attention Florida Residents with Medicare…Annual Election Period ends December 7, 2011.