Senior Voice America - November 2012 - Tampa Bay Edition

TM

NOVEMBER 2012

SINCE 1980 — VolUME 32 • NUMBER 11

By Robert Harwood

Roth IRAs started getting a lot of “press” back in 2010 when tax codes were changed to allow anyone to fund a Roth using their IRA accounts in what is called a Roth Conversion.

Roths are potentially an important tool because the funds in a Roth will grow, tax-deferred, and when you take money out of a Roth it is tax free after the required holding period. Roths also do not have a requirement for minimum distribu-tions when you turn 70½. Unfortunately, I have seen all too many cases where people are not taking advantage of these important accounts.

There are primarily two ways to fund a Roth, either through an annual contribution or by way of a conversion from an IRA. To make a Roth contribution you must have earned income (be working), and contributions are limited to

a maximum of $6,000 per year, depending on your age. The earned income requirement takes the ability to make a Roth contribution away from retirees, although anyone that has an IRA, retired or not, can choose to convert funds from their IRA to a Roth.

You are not required to have earned income to do a Roth conversion. This means that a conversion may be a good op-tion for retirees who want to avoid future tax liabilities that their IRAs may cause. I believe a Roth conversion can be a home run, especially if we believe taxes will be higher in the future.

The problem arises when you take money from your IRA to convert it into a Roth and you have to pay taxes on that money. A person who wants a $300,000 Roth, for example, will have to move $300,000 from a traditional IRA or an em-ployer plan. The tax bill for

By Bonnie L. Quick

There is something magi-cal about driving around Babcock Ranch

Preserve looking out the win-dow of a converted school bus, affectionately called a “swamp buggy.” The 90-min-ute Babcock Wilderness Ad-ventures Eco-Tour puts you right in the middle of natural Florida, passing from the lush undergrowth of palmetto bushes, wild flowers and grasses to the cypress swamp-lands. The swampy area is filled with amazing wading birds and alligators sunning themselves along with many other animals indigenous to Southwest Florida, including herds of “Cracker Cattle.” Babcock’s Crescent B Ranch encompasses a 90,000+ acre area. The ranch is considered an inland, upland, fresh water eco-system. It includes a variety of habitats such as: oak hammocks, pine woods, pastures, wetlands and the 10,000 acre Telegraph Cypress Swamp, so named because telegraph communication lines had to be routed around the swamp. Ranch land extends into Charlotte and Lee counties in a 153 square mile contiguous block — six times

the size of the island of Manhattan. The Crescent B ranch is “old” Florida at its natural best. “Cracker Country” is raw and harsh, yet at the same time gentle. Exotic birds and animals live together with humans in a carefully orchestrated dance of mutual respect. Real life, modern-day cowboys on registered quarter horses work the cattle herds much the same as they have for the past 100 years. Horses and dogs are still used today be-cause cattle often roam into areas inaccessible to jeeps and trucks. Originally E. V. Babcock

See RETIREMENT, Page 25

PAGE 6

PAGE 22

WHO SAID FLORIDA WAS A SWING STATE?

RESULTS OF OURELECTION SURVEY

See BaBcock, Page 13.

Senior Voice America…in print, on the web and on the air withHealth, Wealth & Wisdom. Tune in to AM 1250 WHNZ Monday thru Friday,

from 4 to 5 p.m. as Publisher Evan Gold brings you the information to live an active mature lifestyle.

Visit our new website, Tampa Bay’s leading news source for seniors, www.seniorvoiceamerica.com.

REFRACTIVE CATARACT SURGERY

Creating a Potentially Tax-Free Retirement

A Piece of Florida History

PAGE 12CALLING ALL SENIOR

VOICE READERS

Page 2 Senior Voice america noVemBer 2012

noVemBer 2012 Senior Voice america Page 3

HEAltH RounduP

Venous thromboembolism (thrahm-bö-EM-bö-lizm), or VTE, describes two related condi-tions: deep vein thrombosis (DVT) and a more serious complication called pulmonary embolism (PE), which is an emergency. Both are blood clots in the veins and highly preventable. There are ways to prevent and treat VTE, but you can help identify the warning signs of VTE to save lives. DVT is a blood clot that usually forms in the veins of the lower leg or calf, and can extend to involve the large deep veins of the upper legs or thighs. Only rarely does DVT occur in an arm and usually occurs because of intravenous (IV) access lines, or in athletic individuals due to re-petitive injury. Your legs and arms have two major types of veins: superficial and deep. The superficial veins are near the surface of the skin where they are sometimes visible, whereas the deep veins are located near the bones and are surrounded by muscle. Contraction or squeezing of the muscles around the deep veins sends blood back to the heart. A blood clot that develops in a deep vein can block this flow of blood and may or may not cause symptoms. DVT is not usually life threat-ening, but it can be if the blood clots break loose and go into the lungs. This condition is known as pulmonary embo-lism (PE) which can be fatal if the traveling clot, called an “embolus,” clogs the main lung arter-ies. Many people die in the first hour from a PE, 100,000 in the United States each year, making it the third most common cause of vascular death.

SymptomS of DVt Half of all DVT cases cause no symptoms. If you do have any of the DVT symptoms below -- especially if they occur suddenly -- call your

doctor right away: • Swelling in one or both legs • Pain or tenderness in one or both legs, which may occur only while standing or walking • Warmth in the skin of the affected leg • Red or discolored skin in the affected leg • Visible surface veins • Leg fatigue

SymptomS of pE • Sudden shortness of breath • Chest pain, which may become worse with deep breaths, coughing, bending , or stooping. • Cough — often bloody or blood- streaked

What’S my riSk? Many factors can put you at risk for VTE. Some of these factors seem obvious—lengthy sur-gery (especially orthopedic), pregnancy, being over age 40 and not exercising, cancer, obesity, use of birth control pills, hormone replacement therapy, family history of DVT, long distance

travel (especially on airplanes) and spinal cord injuries. Others may not be as obvious such as heart failure, some types of lung disease, kid-ney disease, infections and other inflammatory diseases increase your risk. Smoking increases clotting risk as do obesity and inherited clotting conditions. These risk factors are additive: The more you have, the greater your risk. If you have several risk factors, such as a planned or a recent sur-gery, a fracture, been on bedrest, or will be im-mobilized for any length of time, you may want to discuss VTE with your health care provider and develop a plan for preventing blood clots.

hoW GrEat iS thE riSk for DVt anD air traVEl?

A number of recent reports have linked blood clots with air travel, especially long flights of over four hours, but the overall risk appears to be very low. In one research study, only one in 200,000 persons had any signs and symptoms of serious PE diagnosed within one hour of arrival. In addition to the primary risk factors for DVT, there is an increased risk for developing blood clots in persons with heart and lung disease. Conditions increasing the risk for DVT include prolonged immobility, possible concentration or “thickening” of the blood due to dehydration, and increased clot-ting due to reduced oxygen levels in the cabin.

prEVEntiVE mEaSurES For most people, the risk for clots appears to be low, so reasonable preventive steps in-clude drinking plenty of non-alcoholic drinks to avoid dehydration. Stretching and flexing the leg muscles, moving the feet and walking in the aisles during a long flight is encouraged. Compression stockings are helpful to decrease leg swelling and help the venous circulation to return blood to the heart and may prevent DVT. For those with risk factors for known DVT, es-pecially with flights of more than about 3,000 miles, it would be wise to consult with a physi-cian.

faSt factS • More people suffer from DVT annually than from heart attack or stroke. • Each year up to one million Ameri cans are affected by DVT and up to 600,000 are hospitalized. • Approximately one-half of those with a DVT never have recognized symptoms. • DVT affects men and women, all ethnic groups and all social levels. • It is seen most often in adults over the age of 40, and more frequently in elderly patients, but can occur at any age.

You can find out more by visiting www.brandonregionalhospital.com.

Are you one of the 1 Million People Affected by VTE every year?

Submitted by Brandon Regional Hospital


Senior Voice America, Inc. 8406 Benjamin Rd., Ste. G

Tampa, FL 33634Phone (813) 444-1011 • Fax (813) 422-7966

www.seniorvoiceamerica.com

Staff

Publisher: Evan [email protected]

Associate Publisher: Timm [email protected]

Managing Editor/Broadcast Producer:

Deb [email protected]

Editor: Julie [email protected]

Creative Director: Lourdes Sá[email protected]

Circulation Manager: Sharon [email protected]

ADVERTISING REPRESENTATIVES • (813) 444-1011

Timm [email protected]

Glenn [email protected]

Ricardo Rincon [email protected]

Join our sales team. For information about oppor-tunities throughout Florida and North America, email [email protected].

ContributorS

Henry Adams • Abne M. Eisenberg

Ruth Fanovich • Judith Sabghir Gannon

James Salvatore Giardina • Robert B. Harwood

Audrey Hawley • Diane Houser • Ro Martinez

Dr. John Michaelos • Eric Pfeiffer • Joe Pippen

Maria Posani • Bonnie Quick • Kathleen Stasia

Bohdan O. Szuprowicz • June Hurley Young

Would you like to write for Senior Voice America? Please email [email protected]

Senior VoiCe iS a Proud MeMber of

Better Living for Seniors The Guardian Association of Pinellas County

The Florida Assisted Living Association

Senior Voice America is published monthly and is distributed free of charge, courtesy of its advertisers. Distribution area includes Pinellas, Hillsborough, Pasco, Sarasota and Manatee counties. Articles and advertising contained in this issue do not necessarily reflect the opinion or endorsement of the publisher, who does not verify advertiser claims and reserves the right to refuse or discontinue any advertising.

Evan: Great article that you wrote for the September issue of Senior Voice America!! I couldn’t agree with you more! It’s funny, but before I ever saw your article, several of us were sitting around discussing the very issue you wrote about. I, too, miss the old school news reporting that included Tom Brokaw and Walter Cronkite and Dan Rather. I too “am so disgusted with the lack of balanced information.” You hit the “nail on the head.” Great article! Also, the letter from Frank Krantz of Tampa could not be more accurate as well! I get so sick of hearing all the mudslinging going on, that I can’t wait for the elections to be over. The state of our political process only causes me to ask “why would ANYONE want to run for any public office?”

Sincerely, David Cox, Clearwater, FL

Thank you for your article in Senior Voice. This is the first time it has been available in our building of seniors. I have been caring for my husband for about 5-6 years and have gotten to the point that I realized I could not carry on. He is on the waiting list at a VA nursing home in Port Charlotte. I expect it won’t be until the first of the year before we get the call that a bed is ready. I only get one days notice. I am looking for a place to live down there so that I will be near. I don’t know anyone there and have only been there once to make the arrangements. Can’t tell very much on computer. I had thought all along that I could keep him home until the end. This is a second marriage for both of us and we have been together for 20 years. I attend a caregivers group once a month and it has been very helpful. He attends the county day care and that is the only way I have been able to hang on. He has 6 children and only one calls and comes to see him. I guess it bothers me more than him. Again, thanks for the article. It is nice to know someone knows what we are going through.

“ Karlyne”

lEttERS to tHE EdItoR

FRoM tHE PuBlISHER

“I can’t believe my parents. They are traveling all the time and just blowing through their money. When they pass, there will be nothing left for us.” “Hide all of mom’s money so that when she needs care, the state will have to take care of her.” Do you know how many times I have heard these sentences uttered from grown children des-perately seeking access to their parents’ wealth, or keeping their parents from enjoying their lives or receiving the care they need or should be entitled to? While it is important to protect one’s assets and not spend our money foolishly, there seems to be a greater and greater expectation from adult children that they are just supposed to get every-thing we have and we are supposed to make sure we have as much as we can to give them. And, no doubt, in today’s economy there is a greater need from our children for access to money. Banks are not lending, credit card companies have become stricter and credit lines have been re-duced. News stories of grown children murdering their parents for access to their parents’ money has increased. So what are our responsibilities to our children? First and foremost is to have a quality finan-cial advisor or estate attorney who can guide you through certain steps. You should take the time to interview different professionals to find the right one. Second, I believe, is to have open and frank discussions with your grown children. They need to understand what your plans are and they need to realize, with your help, that they too will be seniors one day. Third (and this might not be needed for every parent/child relationship), is for them to understand that it is YOUR money. You worked for it and you earned it. You may even want them to remind their children of this. I believe that as Americans we have lost a little bit of the plot. Children are harboring anger towards parents who have done nothing more than try to enjoy their retirement and the fruits of their labor. But more importantly, parents are not receiving the care they deserve when children get access or control of their parents’ finances. And the latter can be devastating when the elderly do not get the care they need to sustain a level of healthy living. Our job as parents should be to raise children to be productive members of society who can depend on themselves, not us or the government, to take care of themselves and their family. And don’t be surprised when even the ones who have done well are looking forward to their inheritance. Taking time to have these conversations with our children may offer them a unique perspective and prepare their own children’s expectations a little bit better for the future.

Evan Gold

Whose Money is it Anyway?

TM

TM

Tune in to 1250am WHNZ.

Monday – FridayFrom 4-5pm


Don’t Ignore the Silent Threat of OsteoporosisHEAltH RounduP

By Suhail A. Khoury, Phd., M.D., F.A.C.P.

Osteoporosis is a disease of low bone density affecting millions of people around the world. In the United States, 10 million people have osteoporosis and 34 million have low bone density, just not severe enough to be diagnosed with osteoporosis. It is a silent disease. Patients are not aware of their bone deterioration until a fracture occurs. Women are more af-fected than men with a ratio of four to one. More than 1.5 million osteoporotic bone fractures occur in our country an-nually, but with our current knowledge, we have the ability to diagnose, prevent and treat osteoporosis. Consequences of osteoporosis may be devastating physically, emotionally, and socially. These include pain, physical limitations, loss of independence, changes in physical appearance, depres-sion and increased mortality. The finan-cial impact is also significant. The annual estimated cost in the United States is around $15 billion. risk factors for osteoporosis are many, including :• Genetics (such as baseline bone mass)

• Race (Caucasian and Asian)• Gender (female)• Age (over 50)• Life Style (sedentary)• Smoking• Excessive Alcohol• Excessive Caffeine Osteoporosis may also occur as a re-sult of other illnesses (thyroid disease, rheumatoid arthritis, diabetes, kidney disease, some cancers, celiac disease and others), or it may occur due to med-ications (cortisone, thyroid supple-ments, anti-seizure drugs, immune-suppressants). Bone is an active tissue being con-stantly repaired from continuous wear and tear. Two types of cells are involved in this process: one cell dissolves the in-jured tissues, while the other makes new bone to replace the dissolved bone. These two cells do not work at the same rate. At a young age, the building cells work faster and lead to increases in bone mass. Later in life, the dissolving cells work faster and lead to net bone loss. Many factors contribute to the num-bers and metabolism of these cells. Sex hormones (estrogen and testosterone),

among other factors, decrease the population of dissolving cells and increase the number and activity of the rebuilding cells. Hence with low estrogen levels, which occur at menopause, dissolving bone is ac-celerated and leads to net bone loss and eventual development of osteo-porosis. Women lose about three to five percent of bone mass annually in the first five years after meno-pause. This adds up to 25 percent of a lady’s skeleton lost during this pe-riod. This is in addition to the slow-er loss that occurred previously as well as future bone loss. Conventionally, the best test for diagnosing osteoporosis is through measurements of bone density at the lumbar vertebrae (lower back) and at the hip. This is a simple test that takes a few minutes, is inex-pensive, has very low radiation expo-sure, and does not require disrobing. The good news is that we have the tools to diagnose, prevent, and treat os-teoporosis. Numerous drugs are now available. These drugs either slow down the rate of dissolving bone or increase the rate of building bone; hence inter-fering with the disease process. Calcium supplements of about 1200 to 1500 mg

daily are essential for rebuilding bone, and vitamin D supplements of 800 units daily are necessary for calcium absorption and for calcium loss preven-tion. Approximately 70 percent of people with low bone density are not aware of their condition and have not been diag-nosed by the medical community. Re-mind your physician to evaluate your skeletal health on a regular basis.

©bi

gst

oc

kph

oto

.co

m


pho

to c

ou

rte

sy o

f ey

e in

stit

ute

of

wes

t fl

HealtH Roundup

Traditional cataract surgery, once considered advanced, is being replaced by a generation of precision technology. In today’s world of hi-tech innovations, cataract surgery gives rise to a new era called Refractive Cataract Surgery. About the time baby boomers approach retirement, they will be able to acquire quality vision results from a variety of technologies developed in their genera-tion. A pathway of precision innovations have lead to the development of new tools, processes and procedures, help-ing ophthalmologists refine vision with highly reproducible accuracy.

Having the ability to choose ones vi-sion has been revolutionized by devel-opments in intraocular lens implants (IOLs). Surgeons are now able to ac-complish with vision outcomes what was seemingly impossible just a few years ago; rendering a patient even less dependent on glasses or contacts after surgery. Various IOL designs offer good vision for distance, intermediate, and/or up close. Depending on your life-style, the lens you choose should accom-modate the things you enjoy doing most.

A new surgical technique for remov-ing the eye’s natural lens and replacing it with an IOL using smaller instrumen-tation is called micro-incisional cataract surgery, or MIC. It is the result of the development of phacoemulsification, a process that breaks up the hardened lens using ultra sound technology and gently evacuates it from the capsular bag that supports the lens. This process has benefits for both the surgeon and patient alike. Before, incisions in the

cornea needed to remove a cataract were 12 to 14mm wide. With the advent of phacoemulsification, incisions are now as small as 1.5mm, hence the evolu-tion of the MIC procedure. IOL manu-facturers have designed lens injection systems to accommodate the smaller in-cision, which make the process of get-ting in and out of the eye even quicker and smoother for the surgeon. Benefits of MIC - no stitches, reduced healing time, and a lower risk for infection - as-sure patient a speedy recovery. Oph-thalmologists across the U.S. are just beginning to adopt the advanced MIC procedure.

By traditional methods, surgery is performed using either a metal or dia-mond blade to make entry incisions into the cornea. However, newly FDA ap-proved femtosecond lasers replace some of the key manual steps typically per-formed by hand. Also known as blade-less laser cataract surgery, femtosecond lasers offer precision and accuracy not attainable by other surgical methods; and each eye is custom treated to more exacting, individualized specifications. In addition to providing precise inci-sions, the laser is able to reshape the cornea to correct astigmatism, create a more perfect opening in the capsular bag, and soften the cataract so less ul-trasound is required to remove it. By adding computer controls to key steps of cataract surgery, the femtosecond la-ser ensures the highest precision of sur-gical incisions and astigmatism correction while maintaining a safe and comfortable patient experience.

Another rele-vant development helping surgeons achieve optimal outcomes is the wavefront aberrom-eter - a refraction de-vice that measures visual acuity. By tradi-tional methods, a refrac-tion is done manually in an office setting prior to surgery. For the first time, developers have created an operating room version called a wavefront aberometer, placing better quality measures in the hands of the physician during surgery. Wave-front aberrometry delivers crucial infor-mation surgeons use to compare pre-operative data with a real-time re-fraction during surgery to strengthen their decisions about lens power, place-ment and astigmatism correction. For IOLs such as the toric implant, place-ment of the lens is vital to reduce the ef-fects of double vision and ghosting caused by astigmatism. For previous LASIK or PRK patients, wavefront aber-rometry is nearly essential for deter-mining the precise implant power needed for optimal vision results.

With over three million cataract sur-geries performed each year in America, laser refractive cataract surgery will soon become the standard of care in the U.S. Matching the right surgical plan with each patient is a matter of using the right technology pre- and intra-op-eratively to ensure the goal is met. With newer technologies for cataract surgery,

patients are closer to regaining the vi-sion of their youth.

How much value do you place on your vision? What is the economic ben-efit of refractive cataract surgery over your lifetime? Learn this and more in next month’s editorial in Senior Voice.

“At the Eye Institute of West Florida our practice philosophy has always been that our patients come first. As we look towards the future, we will provide any innovation, technique, or technology that provides a better out-come for our patients.” – Dr. Stephen M. Weinstock, CEO and President

REFRACTIVE CATARACT SURGERY

By David Jeffery, Marketing Director, Eye Institute of West Florida

Ophthalmic innovations helping you see more clearly.

Free Emergency Cell Phones for Senior CitizensdId You KnoW

Every day, we hear reports of senior citizens who are victims of crime. Senior citizens appear to be easy victims. Robbery, abuse, random violence and even peer confrontations are as much a part of the urban landscape as graffiti. Imagine if every senior citizen owned an emergency cell phone and knew how to use it.

Senior Citizen’s Services, a local non-profit organization, strives to keep senior citizens safe each & every day, and will pro-vide an emergency cell phone for free.

In this modern world of imminent danger, it is imperative that se-nior citizens have access to immediate communication and help when in need. The Senior Victim Advocate Program provides free cell phones for use in emergency situations, which can be obtained at Senior Citizens Servic-es of Clearwater.

Examples of 911 emergency calls include fire or smoke in a building, car acci-dents, trespassers, imminent medical need, downed power lines as well as other

situations that require immediate call to action. All details will be explained to assure that seniors understand how the program works and how to use

the free emergency phone.Senior Citizens Services of Clearwater is located at 1204 Rogers Street, Clearwater, Florida 33756 (off of South Missouri Avenue &

next to McDonald‘s). We are open from 9:00 am to 4:00 pm, Monday through Friday. For more details, call us at

727.442.8104.Senior Citizens Services of Clearwater is a not for profit organization, long recognized for its tireless ad-

vocacy and action for the senior community. We are dedicated to providing exceptional quality of life fo-rums, classes, activities and alternatives for all se-

nior citizens, and striving, always, to make each day just a little nicer for seniors.


HEAltH RounduP

From bug bites and dry skin to poi-son ivy and chronic skin conditions, itching makes life very uncomfortable. And it’s an annoyance that gets under just about everyone’s skin. Sixty-five percent of U.S. adults have suffered from some kind of itch in the past 12 months; and for 26 percent of those polled, the itch was bad enough to see a healthcare professional, according to a recent poll conducted online by Har-ris Interactive for TriCalm, a new anti-itch gel. The natural response to an itch is to remove the irritant — so the scratching begins. The scratching sensation inter-rupts the itching sensation because it tells your brain that the irritant is gone. While this may give some initial, imme-diate relief, scratching ends up irritating the nerve endings in that spot even more — and can open up the skin, exposing it to more irritants. And more itching.

itch treatments It’s important to make sure you know the cause of the itching so you can take appropriate measures to stop it. There are some things you can do to help re-duce itching and soothe irritated skin:

• Avoid scratching — Cover the area with bandages or dressings if you can’t stop scratching. If needed, trim your finger nails and wear gloves to bed. • Apply cool, wet compresses. • Apply a topical anti-itch cream or lotion to the affected area. • Moisturize your skin with a high- quality cream at least twice a day.

“Some anti-itch creams work by reducing inflammation, but that’s not always enough,” says Dr. Vishakha Gigler, a San Diego based dermatolo-gist. “TriCalm, a steroid-free anti-itch gel, binds to a subset of nerves called Type C fibers. These are the nerve cells that send the signals of itching, sting-ing or burning to the brain. By bind-ing to these nerve cells, TriCalm works to inhibit the transmission of those signals. This results in a rapid reduc-tion in itching, stinging and burning.” Learn more, and request a free sample, at www.tricalm.com.

When iS an itCh More than juSt an itCh?

It’s obvious when an itch is caused by a bug bite or poison ivy. But what if you’re not sure what’s causing the itch?

• Dry Skin — Itching that doesn’t come with obvious skin changes, like a rash, is most often due to dry skin, also known as xerosis. Dry skin usually results from environ- mental factors like hot or cold weather with low humidity, and washing or bathing too much. • Skin Conditions — Eczema, psoriasis, scabies, hives, and chickenpox can cause itchy skin. The itching is usually accompanied by other symptoms such as bumps, blis- ters, and red, irritated skin. • Internal Diseases — These include liver disease, kidney failure, thyroid problems, celiac disease and some cancers. Typically the itching affects the whole body, not just one area. • Allergic Reactions and Irritations — An irritation can come from wearing wool, or coming in contact with soaps, chemicals or other substances. Sometimes the substance can cause an allergic reaction, such as poison ivy or some food allergens. • Nerve Disorders — Multiple sclerosis, diabetes mel- litus, pinched nerves and shingles are conditions that a- ffect the nervous system, and thus can cause itching. • Drugs — Some antibiotics, antifungal drugs or narcotic pain medications can cause rashes and itching.

It’s important to understand and treat the cause of itchy skin, so always seek medical advice before choosing a treatment.

©g

etty

imag

es

tI c h Relief Basics


IN THE FOREFRONT OF ROBOTIC-ASSISTED SURGERY:

Moffitt Team Of Experts Expand Use Of Minimally-Invasive Technology

CANCER ANSWERS

While minimally invasive surger-ies have become standard in today’s hospitals, the adoption of laparoscop-ic techniques has been restricted to a few routine procedures. This is mostly due to the limited capabilities of tradi-tional laparoscopic technology, in-cluding standard video and rigid instruments, which surgeons must rely on to operate through small inci-sions. More recently, robotic-assisted technology is extending even the most skilled surgeon’s capabilities, offering better visibility and increased preci-sion.

Use of the da Vinci® Surgical Sys-tem is allowing Moffitt surgeons to perform even more complex and deli-cate procedures through very small incisions with unmatched precision.

With this robotic-assisted technol-ogy surgeons use a computer that re-motely controls very small instruments attached to a robot. Ev-ery surgical maneuver is performed with direct input from the surgeon. The system translates the surgeon’s hand, wrist and finger movements into precise, real-time movements of special instruments during the surgi-cal procedure.

advantages for the patient“Our extensive experience with

laparoscopy and the addition of ro-botic-assisted technology provides our patients with state-of-the-art minimally invasive surgery,” says Ju-lio Pow-Sang, M.D., who directs the Moffitt Institute for Robotic Cancer Surgery. Dr. Pow-Sang also serves as chairman, Genitourinary Oncology, and chief, Surgery at Moffitt Cancer Center.

Patients benefit from robotic-as-sisted surgery because they experi-ence smaller incisions and less noticeable scars. They experience faster healing and recovery time as well as shorter hospital stays. Pain is decreased. Additionally, less blood loss during surgery reduces the need for blood transfusions, Dr. Pow-Sang notes.

institute team is largest in Southeast

Located at Moffitt’s main campus in Tampa, Fla., the Moffitt Institute for Robotic Cancer Surgery is one of a select few multispecialty robotic pro-grams in the United States and the largest in the Southeast. Moffitt’s team of cancer surgery specialists is dedicated to providing innovative treatments, educating tomorrow’s surgeons, initiating and publishing ground-breaking research and devel-oping new technologies and surgical techniques.

This team of Moffitt surgeons is among an exclusive group of highly skilled specialists across the country performing robotic-assisted and min-imally invasive cancer surgery. The team includes four gynecologic cancer surgeons, two thoracic cancer sur-geons, four genitourinary cancer sur-

geons, two head and neck surgeons and three gastrointestinal cancer sur-geons. These 15 cancer surgeons are nationally recognized in their specific fields, and they are experts in the use of robotic-assisted and minimally in-vasive surgery. Together, they have successfully performed more than 2,000 robotic-assisted surgeries.

Dr. Pow-Sang says the Institute is developing educational programs to train the future generations of sur-geons in robotic procedures, and sur-geons from around the world are coming to Moffitt to train on robotic-assisted surgeries.

Surgeries available at the moffitt institute for robotic

cancer SurgeryMoffitt offers more robotic and

minimally invasive cancer surgeries than most other programs in the country. The team has completed sev-eral first-ever robotic-assisted cancer surgeries; for example, the Whipple procedure for cancers on or near the pancreas. Moffitt also performs the highest volume of robotic esophagec-tomies in the Southeast.

Moffitt surgeons are using robotic-assisted surgery to perform the fol-lowing types of surgeries:

• Gastrointestinal Cancer (esophageal, colon, rectal, pan- creatic, stomach) • Genitourinary Cancer (prostate, bladder, kidney, retroperitoneal lymph node dissection for testis cancer) • Gynecologic Cancer (cervical, uterine, ovarian) • Head and Neck Cancer (base of the mouth) • Thoracic Cancer (lung, mediastinum)

“Not all patients are optimal candi-dates for robotic-assisted surgery,” says Dr. Pow-Sang. “Moffitt’s physi-cians can help patients to weigh the risks and benefits and to help select the best cancer treatment for each pa-tient’s situation.”

FOR MORE INFORMATION if you or someone you know would like to learn more about our robotic and

minimally invasive surgeries, please call 1-888-MOFFITT.

Julio Pow-Sang, M.D., directs the Moffitt Institute for Robotic Cancer Surgery.

co

ur

tesy

of

mo

ffit

t c

anc

er c

ente

r

Canadian Medsof ST. PETE

30-70% DiscountON U.S. PRESCRIPTION PRICES

CALL TODAY (727) 498-6432

Paying too much for your PrescriPtions?are your insurance co-Pays too high?Want to stay out of “the Donut hole”?

have no insurance?We are here to heLP!

Lower Prices on •Abilify •Cialis •Levitra •Lipitor •Nexium •Viagra and More!

Receive an extra $30 Off first order,and Free Shipping

on any order over $150

5545 Park St. N., St. Petersburg, FL 33709In the EAGLES PARK SHOPPING CENTER next to Publix


PoEtRY CoRnERGriefGrief, when it comes,will be unlike any other consoler.It will put its arm around your shoulder,and sit with you for seven days,or, if need be,indefinitely--until the terrible sadness subsides,or the heart mends itselfwith cathartic memories,or until tears have allowed the soulample lamentation.Grief is wordless comfortthat somehow conveys,“I know. I know.”So lay your head in its lap,and let it stroke your hair,and give ear to your muffled cries.Let Grief drinkthe cup of suffering with you,for it surely knows how losscan overwhelm and wound--how confused emotionsflood both reason and understanding.And that’s why Grief will walkthrough troubled waters with you,squeezing your handso you sense a presence therein your deepest and most intimate sorrow.

GriefBy Jean Mlincek

©bigst

ockph

oto

.com


WHO WILL TAKE My Call?

By Nurse Ruth

Do you ever stop to think about the what-ifs? For example, this weekend, I received and answered multiple calls from my friend and client who has memory impairment and medical is-sues. I answered with as much com-passion and understanding as one could (considering the calls started at 6am and it was my day off) but it made me think....Who will take my call or calls? Will they understand I don’t re-member that I just called, or will they get annoyed? You may already be receiving “the call” and not realize it. You may think a friend or loved one is just pesky or per-haps lonely. Think about it; does your caller repeat conversations? Not re-member conversations? Are they wor-ried about something that should not be worrisome or perhaps something that is not true at all? You may be deal-ing with someone who has memory impairment. Stop and listen, REALLY listen. Talk to the person’s family and loved ones. Do they suspect there’s a problem? Memory impairment creates anxi-ety in the person with the impairment

because they don’t remember -- in some cases from moment to moment. So the person on the other end who is receiving the call has to have patience, empathy and recognize the individual isn’t absorbing what they are being told. It’s tough and can be frustrating.

What can you do? Be kind, for one thing. Each life af-fects another. Is healthcare involved? Can you assist in getting the caller to the doctor? Which brings me back to who is go-ing to take my call? I am scared be-cause I don’t think my family will REALLY get it. Sure they love me BUT will they have the time and patience to take my call? Think about it....make a decision to have this conversation with your loved ones and health care surro-gate because you will need someone to take your call. If you have a concern, viewpoint or comment with regard to this subject matter, Let’s Talk!

Provided by Ruth Fanovich, RN, LHRM, Owner, Care Placement Home Health Agency, Inc. and RMF Care Management, Inc. www.CarePlace-mentHH.com.

HEAltH RounduP


By Louis M. Guzzi, M.D.

For people who bleed easily, such as those on blood thinners or people with thin skin, it can take hours or days to stop even small cuts from bleeding. While doctors, nurses and medical professionals have the technology to stop bleeding in-stantly in the hospital, there hasn’t been an over the counter solution to do the same in the home… until now. After many successful clinical studies and years of use in leading hospi-tals, WoundSeal is now available at Walgreens and CVS for use in the home or wherever life takes you. Unlike bandages or gauze that don’t work effectively for people on blood thinners, WoundSeal is proven — and guaranteed — to stop bleeding through the creation of an instant scab. In a popular retirement community in Southwest Florida, Jim Simpson, 65, knows the frustration of being an easy bleeder all too well. “When I get a small cut, it’s really disruptive for me and my wife because nothing works. Bandages don’t stop the bleeding and it’s messy to constantly change them.” “We can’t go anywhere when I’m bleeding and it’s frustrating to miss our grandchildren’s birthday parties, dinner with friends and golf outings.” In just a few steps, WoundSeal does what nature and traditional first aid products can’t do: stop bleeding instantly. The topical powder works by creating an instant scab once it is poured and pressed onto a bleeding wound. The scab — which is waterproof — seals the wound and helps prevent infection. WoundSeal doesn’t interact with existing medications and works for all ages. I trust it so much that I gave it to my mom and grandmother to use at home when I can’t be there to help. For active adults and seniors like Simpson, my mom and grandmother, WoundSeal has been life changing as it helps them regain control and confi-dence in their lives. “WoundSeal works! We have multiple packs to carry it everyplace: in my pocket, in my car, in my wife’s purse, in my golf bag,” says Simpson. “I’ll never be without it again.” WoundSeal is nationally available at Walgreens, CVS and other retailers near you.

For more information, please visit www.woundseal.com for medical facts, store locations, clinical studies, and testimonials.

Proven Powder Stops Bleeding Instantly For People On Blood

Thinners Or With Thin Skin

HEAltH RounduP

I was listening to an interview on Health, Wealth & Wisdom and I heard Dr. Izzo describing symptoms that I was experiencing. My legs were aching and would sometimes swell if I was on my feet for a long time. I would get uncomfortable at night when I tried to sleep. I kept trying to stretch out my legs or adjust the posi-tion. I continued to feel restless and uncomfortable at night. The interview said that venus vein disease was sometimes brought on by multi-ple pregnancies. I just kept thinking they couldn’t be talking about me. I don’t have any visible veins just under the skin in my legs. I wear a size 4 and my legs look great. I teach 6-8 Jazzercise classes a week and have for 28 years and through all four pregnancies. I never gained more than 28 lbs. in a full term delivery and I taught class up until the day I delivered. I don’t even have cellulite. How could I have vein problems? Finally, this summer, I set an appointment with Dr. Izzo & Alkire’s office. The staff members were so welcoming and addressed all my concerns. It was deter-mined that I should have a sonogram of my veins to see how they were working. The sonogram looked at both legs, front and back, and the doctor measured the di-ameter of the vein and studied the flow from the body back to the heart. The right leg had noticeable factors. She continued to examine my left leg, when I thought to say that it was just my right leg that bothered me. She laughed and said, “That’s good because your left leg is very healthy.” You don’t even have to have symptoms in both legs. They filed my insurance and now my appointment for treatment is set for Mon-day, Nov. 5. I’ll have the procedure done during a live remote broadcast of Health, Wealth & Wisdom on 1250 WHNZ at 4:00 p.m. Listen in on Nov. 5 and you’ll hear the rest of my story.

HEAltH RounduP

What’s Going On With My Legs?

Deb Goldman, Co-Host — “Health, Wealth & Wisdom”


A SPECIAl notE...

By Timm Harmon, President, Senior Voice America

For all of you that have en-joyed this paper for the past 32 years, we hope we have helped by educating, enter-taining and enlightening you. Today, we’re asking you to consider helping us do the same for boomers and se-niors across the country. As you well know, today’s economy and government policies have not been friendly to small businesses. In recent years, many com-panies have struggled to stay in business and find it hard to grow. The red tape in-volved with expansion is challenging, especially considering the pullback instituted by banks for commercial loans. These are tough circumstances, but because of your loyalty and interaction throughout the Tampa Bay region, we know the information we provide to you would be just as valuable to a senior in Seattle, Detroit or Des Moines. So we intend to share our information with other seniors with the help of our friends and families. The numbers don’t lie, there are many markets across the U.S. that have double and triple the population of boomers and seniors we have in Tampa Bay. We feel we can serve those markets with meaningful, helpful information just like we do in Tampa Bay, not to mention that we will create employment opportunities and stim-ulate local economies, helping other small businesses grow everywhere we go. So, we’re not holding back. We’ve found a path to reach other U.S. markets, and we’re going for it. But we need your help. Frankly, we are facing huge expenses in le-gal costs, fees to the Federal Trade Commission and registration fees for every state we enter. So, we have enlisted in a capital raising program called KickStarter. It’s a website where supporters like you can pledge your financial support for our project. You can find it online at www.kickstarter.com. At the top of the page there is a box that says, “Search projects.” Simply type in the words The Franchise Project and hit enter. There, we have posted a short video explaining our project and how you can help! Please watch it and share it with your friends and families through email, Face-book, You Tube, Twitter and any other communication means you have. We only have 45 days to meet our goal, and if we do not succeed, our project will not be funded. We need as many helpers as we can generate to make this a success. In exchange for your backing, we have assembled a variety of trades that we sus-pect will be attractive to you. We only need a small amount of support from a large number of people to make this work, so please do not consider this an expensive proposition for you, personally. We have set our goal to help us move from serving Tampa Bay to serving many cities across the country, and if your support and receptivity to our work is any indi-cation at all, then we know our newspaper will be welcomed and successful in other markets as well. Your letters, phone calls, emails and Facebook posts have convinced us that we can make this work. Please help fund our project with a trade as small as even $15 because it will make a very large impact on our goal to pass on intelligent, insightful information to people just like you across the U.S. Many thanks for your ongoing support, and we appreciate your help! Visit www.kickstarter.com to view our trade offers. We hope you will give us your vote of confi-dence and demonstrate your belief in our vision to become the “Voice” of Senior America.

Sincerely,Timm HarmonPresident, Senior Voice America

To All Senior Voice America Readers

vEtERAn’S dAYLocal Art Studio Celebrates the

Art of Military Personnel and Supporters

Just in time for Veteran’s Day, Tampa Bay Veterans Alliance (TBVA) is teaming up with local fine art printer and studio, Canvas Zoo, to celebrate the Art of Military Person-nel and Supporters.

Open to the public between Nov. 9 - 12, this show will feature the per-sonal art created and collected by lo-cal veterans to raise awareness of The Florida Veterans Memorial, a project of the TBVA to celebrate vet-erans of WWII, Korea, Vietnam, Desert Storm, Iraq and Afghanistan, and The Cold War era.

The memorial, designed by archi-tect and deputy mayor of Belleair,

Steven Fowler, will be located within Clearwater’s Crest Lake Park and visible from Gulf-to-Bay/Route 60.

The exhibit will be held at Canvas Zoo, located at 1750 N. Hercules Ave., Clearwater, Fla., 33765. Exhibit times are Sat. and Sun., Nov. 10 & 11, 10 a.m. – 6 p.m., and Mon., Nov. 12, 10 a.m. – 7 p.m.

For more information please con-tact Jerri Menaul at Canvas Zoo (727) 797-1199, [email protected]. Or visit, www.can-vaszoo.com/tampabay-veteran-art-exhibit or www.facebook.com/canvaszoo.


bought the land for its stand of longleaf pine and cypress,

as a logging operation. What is now ranch headquarters was at one

time the logging town of Rouxville — population of approximately 200. The

railroad ran through the ranch to provide shipping for the logging trade. Rail-

way boxcars, with the wheels removed, provided homes for many of the resi-

dents.

Today Babcock Ranch serves as an important base for agricultural compa-

nies. Tenant farmers harvest a variety of vegetables including tomatoes,

squash, zucchini, beans, lettuce and watermelons. Bahia and Floratam sod

farming is a large part of the agricultural operation.

In the tour area is a small museum featuring Florida history, Babcock opera-

tions, and natural history artifacts. The museum is actually a part of a movie

set that was used by Warner Brothers in the 1995 film “Just Cause” (starring

Sean Connery), portions of which were filmed on Babcock Ranch. The “Coun-

try Store” Gift Shop features items of special interest to Babcock Ranch, the

Wilderness Tour and Florida wildlife.

continued From Page 1

Reservations are REQUIRED for all tours. All Tours Are Subject to Availability. 1-800-500-5583 (leave a message after 2:00 pm) • www.babcockwilderness.com

Come face to face with amazing wildlife; listen to the thunderous roar of calving glaciers.

JOIN Senior Voice AMERICA7 Days • 2013 Senior Cruise on Holland America’s Westerdam August 17 • Seattle, Juneau, Sitka, Ketchikan & Victoria, BC

EXCLUSIVESVA SALE! Reduced Deposit & Onboard

Value with Nov. Booking

Enjoy these special amenities:* Enjoy reduced deposit of $100 per person and an Onboard Value Booklet when you book in Nov.* Senior Voice America welcome cocktail party with radio host Evan Gold – you won’t want to miss!* Exclusive Senior Voice America Senior Prom* Special speakers, fitness and educational classes designed specifically for SVA guests

Inside staterooms starting at $1,099.00 per person

Reserve your stateroom by contacting Nancy Clark your Cruise, Land & Tour Consultant

at Cruise Planners at (813) 527-6574, Toll Free (855) 222-SAIL.

[email protected] www.ACruiseForMe.comPrices per person, double occupancy; port charges included; gov’t fees, taxes and fuel surcharges additional; service fee of $19.95 may apply; limited availability. Prices shown are min. fares for departure date. Price subject to change. Cancellation fee may apply. Not responsible for last minute changes of price or itinerary by cruise line, or any errors or omissions in the content of this ad. Some restrictions and cancellation penalties may apply. Ships Registry: The Netherlands and SOT to T154785


SElF HElP

Are We a TOUCH-STARVED

Culture?

By Professor Abne M. Eisenberg

Are we a touch-starved culture? Is direct physical contact on the decline? Today, millions of peo-

ple use email, texting, smartphones, cell phones, Skype, and a collection of other space-age gadgets to communi-cate with one another. Touch brings certain people com-fort, reassurance, pleasure and self-gratification. Not only do they hug themselves when they feel joy, they also wrap their arms around them-selves when they are afflicted with feelings of desperation and despair. Touch has a healing quality. When we accidentally hit an elbow or stub a toe, we instinctively reach for the injured part, rub it, and press on it to relieve the pain. There are two types of people in the touching world, touchophiliacs and untouchables. Touchophiliacs love be-ing immersed in crowds and seem to derive a sense of belonging. In ordi-nary conversation, they can’t keep their hands to themselves. A familiar example can be seen on the television show, “Family Feud.” The hosts, while contestants are answering questions, routinely put their arm around their shoulder. Former host, Richard Daw-son, used to kiss most of the female contestants.

Untouchables abhor crowds. They routinely resist getting on an over-crowded elevator or bus. They become unnerved by having their “personal bubble” invaded. The importance of the human touch cannot be overemphasized. All branches of medicine, with the excep-tion of psychoanalysis, involve touch-ing patients. Without the therapeutic touch, the medical profession would be seriously hampered. Touching goes well beyond the realm of massage and the relief of physical woes. It has been proven that a hug in-stead of a handshake--and a kiss on the forehead in place of a smile--can psychologically enhance a person’s mood and produce a sense of inner tranquility. Every culture has unspoken rules about touching. In Thailand, and some Asian cultures, patting a child’s head is considered offensive because the head is viewed as the seat of the soul. In Saudi Arabia, India, and Egypt, two men holding hands is a sign of friendly affection. In America, they would be perceived differently. If there is someone in your life about whom you care a great deal, if it is at all possible, reach out and touch them. Follow the healing practice described in the bible of “laying on hands.” It has been revered as a very deep form of devotion and love.

©bi

gst

oc

kph

oto

.co

m




Matthew V. MuratoriLicensed Agent

David M. DemusLicensed Agent

Call us today for a FREE consultation and let us explain all of your options…

not just one company’s!

1-877-864-0263

Hilary Zaragoza Licensed Agent

You Live an Active Life.Is your Health Plan Keeping Up with You?

name _________________________________________________

address ______________________________________________

city _______________________________________ zip ________

phone ____________________ Best time to caLL ___________

e-maiL ________________________________________________

for more information fill out and mail to: 8406-G, Benjamin rd.,tampa fl 33634

or fax to: 813-422-7966

Tired of molding yourself into a health insurance plan that doesn’t fit your life? It doesn’t have to be that way. Medicare is not a “one size fits all” program. Our consultants represent a variety of health insurance providers and will work directly with you to design a Medicare benefits package that molds to you – instead of the other way around.

Medicare Open Enrollment is Oct. 15 – Dec. 7. If you’re new to Medicare (turning 65) or need to make changes to your coverage, now is the time to make informed decisions. Free yourself from the overwhelming burden of random choices and murky information. With one phone call, we’ll make sure your choices are the right ones for you. After all, it’s your life.

The high cost of prescription drug prices are a concern to everyone. And as you know, Medicare and private insurances only cover a portion of those costs. Plus, it doesn’t help when every dollar Medicare spends on your medication goes towards the so-called “Donut Hole.” You will enter the Donut Hole when the retail value of your prescription drugs reaches $2,930. Keep in mind, this sum is reached based on what the drugstore charges if you are not a member of Medi-care Part D. It is not based on your co-pay. You will exit the Donut Hole at $4,700. There-fore, you will be responsible for $1,770 worth of pre-scription drugs while you are in the Donut Hole. Obviously, what you really want to do is avoid the Donut Hole all together. And fortunately, there are a few ways to do that. As a discount drug supplier, we recommend that you buy your expensive medication on your own, outside of your Medicare plan, at a discount pharmacy such as Canadian Meds of St. Petersburg, and save your Medicare Part-D/Pri-vate insurance money for less expensive generics and the medication that you cannot wait 30 days to get (such as antibiotics). If this seems counterproductive at first, let’s look at some examples.

their Strategy – you lose money Let’s say you are taking Plavix. With a typical Medicare Part-D plan, you will pay about $40 per month for your plan and then a co-pay of $105 for a 90-day supply of Plavix. For Plavix, you will pay $105/90 days X four quarters = $420 a year. Plus, add in the annual total of your $40 premi-um X 12, and your yearly out of pocket cost for Plavix would be $900. But here’s the unfortunate trick. At this point, instead of reflecting a $900 expense, your Medicare account will show you have used $2,372 towards your total allotment of $2,930. Why? Because the retail price of Plavix is being reported to Medicare and applied towards your total plan value. Do not be misled into thinking they are only ap-plying your deductible to the Medicare allotment. If you fill even a few more prescriptions during the year, you will reach the maximum value of your plan ($2,930) and you will be responsible for the next $1,770 for any other prescriptions you may need filled. Now, let’s look at our strategy and see how it plays out.

our Strategy – you Save money Our recommended strategy is to purchase your

ex-pensive drugs at discount

pharmacies such as Canadian Meds of St. Pete. Here’s how you’ll win. If you purchase generic Plavix at Canadian Meds of St. Pete, your cost will be roughly $105 for a 100 day supply. Multiply that by four quarters, and you’ve spent $420 for the entire year and you have not used any dollars of your Medicare insur-ance plan maximum ($2,930), thereby leaving you the ability to order other meds through the plan. There will be no charges applied against your $2930 plan limit. You can purchase all your other, less expensive medicines using your Medicare Part-D plan and never reach the Donut Hole. If you take more than one med-

HEAltH RounduP

How to Stay out of the Gaping DoNuT HolEBy Joey Romanik, Owner, Canadian Meds of St. Pete

See caNaDIaN, Page 29


SEnIoR HAPPEnInGS

NOVEMBER 9-12

florida Veterans memorialCanvas Zoo

The Florida Veterans Memorial is a project of the TBVA to celebrate veterans of WWII, Korea, Vietnam, Desert Storm, Iraq and Afghanistan, and The Cold War era. Art is submitted by Veterans, family mem-bers and those with remembrances and are both tra-ditional and nontraditional pieces of art and memorabilia inspired by the military experience. There will also be a chance to meet the artists and hear their stories, as well as become a part of this in-spirational showcase.

For information call (727) 797-1199. The Canvas Zoo is located at 1750 N. Hercules Ave., Clearwater 33765.

NOVEMBER 9-JULY 31

Dunedin’s Green marketPioneer Park

The Green Market offers a nice change from your average grocer. Each market day is a different market experience with different vendors. A wide variety of vendors will be selling items including: organic pro-duce, cheeses, artisan bread, plants and herbs, local honey, all natural pet treats, pickles, Alaskan Salmon, Florida seafood, olive salad, pastries & orchids. Free entertainment and parking is available. Friday’s & Sat-urday’s 9am-2pm.

For information call Richard Kendler at (727) 692-5353. Pioneer Park is located at 420 Main St. Dunedin 34698.

NOVEMBER 10-MAY 25Th

open-air marketLargo Community Center

The Open-Air Market returns to the Community Center every Saturday through May 25th from 9am-2pm. Browse through a variety of fresh local produce and food vendors, crafters, and jewelry artists. There will be entertainment and plenty of family fun.

For information call (727) 518-3131 or go to our website at LargoCommunityCenter.com. The Open-Air Market is located at 400 Alt. Keene Rd. 33771.

NOVEMBER 10

new Volunteer orientationHeritage Village

Time is the most valuable thing a person can spend, and Heritage Village is offering the perfect op-portunity for you to share yours. Learn about volun-teering at a new volunteer orientation planned for adults interested in becoming docents/tour Guides, historic house caretakers and museum greeters. Oth-

er positions are also available. Visitors will discover what it’s like to spend time in the peaceful enclave of Old Florida surrounded by native pine woods and more than two dozen historical structures that tell the tale of bygone days. 10am.

For information about volunteering or the orien-tation call (727) 582-2125 or email [email protected]. Heritage Village is located at 11909 125th St., Largo 33774.

NOVEMBER 10

Sandhill crane conservation Booker Creek Preserve

A member of Clearwater Audobon will describe the breeding population of Florida’s Sandhill Cranes, in-cluding their habitat and life cycle. Also to be dis-cussed will be Sandhill Cranes in urban areas and what we can do to protect them. 10:30- 11:30am, FREE advance registration required.

For information call (727) 453-6800. Brooker Creek Preserve is located at 3940 Keystone Rd., Tar-pon Springs 33468.

NOVEMBER 10 17 24

Swing Dance SaturdaysLargo Community Center

Come enjoy an evening of dancing and socializing every Saturday night. Free lessons from 7- 8PM and a DJ dance from 8 -11PM. Our resident DJ is Savoy Swing. Don’t miss out on our 5,600 square foot sprung hardwood floor.

For information visit LargoCommunityCenter.com or call (727) 518-3131. The Largo Community Center is located at 400 Alt Keene Rd. Largo 33771.

NOVEMBER 10

community health & Wellness Expo & 5k runOur Lady of Lourdes Community Center

We will have Walgreens Pharmacy from Patricia Ave. Dunedin giving flu shots, mini-classes for Al-zheimers support, Fall Prevention, Medication Man-agement, Yoga for all ages and Diabetes Education. Our Health Professionals will perform BP screenings and diabetic accue checks. FREE, class are 10:30am & 11:00am. 5K Run from 8am-12pm. FREE vendor samples and fabulous raffles!

For information call Tricia Colin (727) 238-2382 or Lynn Fegadel (727) 744-7021. Our Lady of Lourdes Community Center is located at 750 San Salvador Dr.

Dunedin 34698.

NOVEMBER 11

city of largo to honor Veterans Largo Central Park

The City of Largo will honor all veterans and active duty personnel in a Veterans Day Ceremony on Sun-day, November 11 at 7pm. This event will be held at the Military Court of Honor in Largo Central Park and will feature special music and a color guard pre-sentation.

For information, visit LargoEvents.com or call (727)587-6775. Largo Central Park is located at 101 Central Park Dr, Largo 33771.

NOVEMBER 12

Gobble Gobble Games GaloreSouthwest Recreation Complex

Tom the Turkey invites you to his party. Play

games, create a craft, enjoy a snack and listen to a tra-ditional holiday classic. Don’t forget to bring your camera! Registration required no later than Nov 5. 6-7pm.

For more information visit PlayLargo.com or call (727) 518-3125. The Southwest Recreation Complex is

located at 13120 Vonn Rd. Largo 33774.

NOVEMBER 13

not just a Senior momentMemorial Hospital

“Is your memory loss normal aging or something more” is presented by Dr. Susan Steen, board certified psychiatrist and neurologist and on staff at Memorial. Come to the Memorial auditorium for a light lunch and this important seminar. FREE, 12-1pm.

For information call (813) 342-1313. Memorial Hospital is located at 2901 Swann Ave. Tampa 33609.

NOVEMBER 17

farm city Day Heritage Village

This is the kickoff event for Farm City Week, cele-brated nationally each year during the week leading up to Thanksgiving. It was created to educate citizens about agriculture and to enhance links between rural and urban dwellers. Hands-on activities include mak-ing butter and ice cream from milk, squeezing fresh or-ange juice, playing old-time games and making agriculturally themed arts and crafts. 10am-2pm, FREE.

For information call (727) 582-2123 or visit www.pinellascounty.org/heritage. Heritage Village is locat-ed at 11909 125th St., Largo 33774.

NOVEMBER 17

Bachelors & Bells friday night Dances “thanksgiving Dinner”

Zenda GrottoJoin us on the largest wooden floor in Tampa!

Come with friends or meet someone new! For information call Bud Collins (813) 971-0817.

The Zenda Grotto is located at 4450 W. Ohio Ave., Tampa 33614.

NOVEMBER 20

Grief Support GroupSt. Joseph’s John Knox Tampa Bay

Join us the 3rd Tuesday of each month from 2 – 3pm for a time to come together and share experienc-es regarding loss, gain support and learn about the grief process.

For information call Briana (813) 632-2443 or Linda (813) 632-2396. St. Joseph’s John Knox is locat-ed at 4100 E. Fletcher Ave., Tampa 33613.

NOVEMBER 21

Genealogy Show and tell Faith Lutheran Church

The monthly meeting of the West Pasco County Ge-nealogical Society will be held at the Faith Lutheran Church at 2pm and will be “Show and Tell”. Some top-ics a few of the members will be discussing are: Saxon Germans in Transylvania, clan gathering, Wales and Wisteria Vine. Prior to the regular meeting, a mini sem-inar will be held at noon on “Source of Reference for Genealogy” presented by Debbe Hagner. There is a $5 member and $7 non-member charge for the mini-semi-nar and reservations are suggested.


Email Your Senior happenings to:

[email protected]

The Deadline for the December Issue

is November 14th

SEnIoR HAPPEnInGS For information call (727) 271-0770. The Faith

Lutheran Church is located at 5443 Sunset Rd., New Port Richey 34652.

NOVEMBER 27

medication checksMemorial Hospital

The last Tuesday of each month; bring your medi-cations in and speak with our pharmacy staff about the medications you are taking, possible side effects or interactions and other drug-related questions; blood pressure and glucose screenings. Meet the team in Classroom 109-B. FREE, 9-10am.


NOVEMBER 28

caregiver Support GroupSt. Joseph’s John Knox Tampa Bay

If you are caring for a spouse, close friend or sib-ling, please join us each last Wednesday of the month from 6 – 7pm for a support group to help cope with the stress and receive support from other caregivers.

For information call Michele (813) 632-2306. St. Joseph’s John Knox is located at 4100 E. Fletcher Ave., Tampa 33613.

NOVEMBER 30

“christmas in the americas” concertSt. Stephen Catholic Church

The Christmas Holiday is an ecclesiastical holiday revered in the hearts of every Hispanic –American. It is steeped with traditions dating back hundreds of years, and is greeted every year with such anticipa-tion, careful planning, and mystical symbolism that it’s become a celebration like no other. Set aside some time this holiday season to reflect on what this time of the year really means. Come and celebrate this holi-day and join us in concert and travel thru eight Latin American countries (Argentina, Peru, Columbia, Honduras, Panama, Mexico, Cuba, and Puerto Rico). Celebrate the ever beautiful Hispanic Christmas Cus-toms and traditions, and singing of Traditional Christ-mas songs in Spanish and English. 7:30pm, tickets $12 or $15 at the door.

For information call George Miecyjak (813) 541-1690. St Stephen Catholic Church is located at 5049 Bell Shoals Rd., Valrico 33596.

NOVEMBER 30

“cosmetic Eyelid Surgery & Eyelid cancers”Memorial Hospital

Presented by Dr. Geoffrey Kwitko, board certified ophthalmologist and on staff at Memorial Hospital. Join us for a light lunch and this informative presen-tation. FREE, 12-1pm.


DECEMBER 3

“live” cataract Surgery SeminarEye Institute of West Florida

At our “Live” cataract seminar guests will learn about the decisions they may have to make when faced with having cataract surgery. These “Live” events are quite unique. A live signal, in 3-D, is fed from our OR to a viewing audience wearing 3-D glass-es. The surgery is over in minutes. Afterwards, the

patient comes down to answer questions from the au-dience about the surgery. If it sounds spectacular it is!

For information and to RSVP call (727) 581-8706. The Eye Institute of West Florida is located at 148 13th St. SW, Largo 33770.

DECEMBER 2

concert with Eleonora lvov, “pianist”St. Andrews Presbyterian Church

St. Andrews Fine Arts Concert Series presents Ele-onora Lvov. Tickets $10 at the door and can be pre-purchased at the church reception desk Monday through Friday.

For information call (813) 634-1252 or Judy Voothees (813) 642-8125. St. Andrews Presbyterian Church is located at 1239 Del Webb Blvd. W., Sun City

Center 33573.

DECEMBER 5

parkinson’s Support GroupSt. Joseph’s John Knox Tampa Bay

Join us on the 1st Wednesday of each month from 1– 2 pm for educational, emotional and social support for those living with Parkinson’s. Family, friends & caregivers are welcome.

For information call Briana (813) 632-2443 or Linda (813) 632-2396. St. Joseph’s John Knox is locat-ed at 4100 E. Fletcher Ave., Tampa 33613.

DECEMBER 8

a Big Band christmas “ the 10 o’clock Swing Band”

Largo Cultural CenterCome see the best 18-piece big band in the area

perform a special holiday show in swinging style. Your toes will tap and hands will clap as this band plays swinging holiday music for dancing your listen-ing enjoyment. Cabaret seating with dance floor. 2pm, tickets $24.50 or $29.50 at the door.

The Largo Cultural Center is at 105 Central Park Dr., Largo 3377. For information call (727) 587-6793 and online at LargoArts.com.

DECEMBER 8

Santa-comes-to-the-South holiday antique Show

Catherine Hickman Theater Winter weather elsewhere may be frightful, but in

Florida it can be SO delightful, especially when enjoy-ing an antiques and collectibles show highlighting vintage Christmas décor and memorabilia! Exhibi-tors will be selling old Christmas décor (everything from old ornaments to vintage aluminum Christmas trees) and other vintage fun holiday stuff, there will be screenings of oldie holiday flicks, and even a presentation on Collect-ing Vintage Christmas to get you started on your own collection! 10am-5pm, $5.

For information call (727) 421-0441. The Cath-erine Hickman Theater is located at 5501 27th Ave.

S. Gulfport 33707.

Happy Thanksgivingfrom

Senior Voice America,

From Our Family to Yours!

deCeMber 9

the hot club of San francisco “cool yule holiday Show”

Largo Cultural CenterFire up your holidays with a swinging gypsy wagon

trip to the North Pole featuring many of your favorites and some rarer seasonal gems. This dazzling holiday offering has something for everyone. Make this sea-son bright with flames of gypsy jazz! Cabaret seating. 7pm, Tickets $26.50 or $29.50 at the door.

The Largo Cultural Center is at 105 Central Park Dr., Largo 3377. For information call (727) 587-6793 and online at LargoArts.com.


Monday-Friday From

4 to 5 pmon 1250am

WHNZ Ask the Experts:

Attorneys, Physicians,

Financial Planners and

more! with Your Host Evan Gold


ARound tHE HoME

SeRviCe DogSBy Ro Martinez

An accident or serious illness may leave you partially or completely dis-abled, taking away your independence. Simple activities such as opening a door or picking up something off the floor may become an impossible task. Lack of independence can take away your dignity and leave you feeling over-whelmed, lonely, or even depressed. Service dogs, such as therapy dogs, sugar dogs or guide dogs, can provide the assistance needed to live indepen-dently and can enrich your life.

Service dogs are truly “man’s best friend.” They provide security and companionship. Health benefits in-clude:

• Controlling blood pressure

• Extending your life

• Relieving stress

• Giving unconditional love

• Improving your mood

• Encouraging walking

• Providing opportunities to

meet others on walks

My own 6-pound Yorkie does the above and more as part of our family.

Elizabeth Scott, M.S. wrote for About.com Guide, “It’s important to re-alize that owning a pet isn’t for every-one. Pets do come with additional work and responsibility, which can bring its own stress. However, for most people, the benefits of having a pet outweigh the drawbacks. Having a furry best friend can reduce stress in your life and bring you support when times get tough.”

Special offerPaula, owner of Sugar Dogs Interna-

tional, Inc., offers wellness coaching for diabetics and disabled persons. To-gether with Florida Poodle Rescue, Inc., Paula offers a Seniors Helping Se-niors program placing older poodles with seniors. “If Senior Voice readers apply for a poodle via their website, please list Sugar Dogs International, Inc. as the source of information. Sugar Dogs International, Inc., will offer readers an opportunity to win Sugar Dog training, their internationally trademarked training course valued at $7,500.00. For more information, send

email to [email protected] and reference Se-nior Voice in the subject line. We’ll respond with an appli-cation. A “frequently asked questions” page is available on our website at www.Sugar-Dogs.org.” Check out available poodles at www.Flori-daPoodleRescue.org.

Diane Houser, Wyatt’s owner (dog photographed), shared, “Wyatt is a volunteer therapy dog for Project PUP (Pets Uplifting People), a nonprofit organization which promotes the use of thera-peutic dogs and cats in hospi-tals, rehabilitation centers, nursing homes and assisted living facilities. Wyatt had to undergo a comprehensive screening to make sure he displayed a good tempera-ment in order to receive his certification. Wyatt makes the rounds to residents who use wheelchairs, walkers, canes & crutches and enjoys providing affec-tion and comfort to those who are ail-

ing.” For information about volunteering with your pet, please go to www.projectpup.net.

©an

gel

a m

ann

ph

oto

gr

aph

y


Why suffer any longer? Come see us,

• DIABETIC FOOTCARE & SHOES• UGLY/PAINFUL TOENAILS• PLANTAR FASCITIS• TENDON STRAIN• HAMMERTOES• NEUROPATHY• HEEL SPURS• BUNIONS• ORTHOTICS

your gentle touch Doctor of Podiatry.

NEUROPATHY &OTHER FOOT PROBLEMS?YES, YOU CAN FEEL

GREAT ABOUT YOUR

FEET AGAIN! WE HAVE

YOUR TREATMENT PLAN

Call to see the Doctor

(727) 824-5100or

(813) 645-1993

Accepting Private Pay and

Insurance Patients

DR. BONNIE SANCHEZ

EXPANDED HOURSFOR 2012NEW

Who Said Florida Was a Swing State? Not Senior Voice America Readers

By Timm Harmon

First, let us thank all of you for the number of survey responses we received, and for the pas-sion many of you have for this very important election. I think we all will agree this has been one of the most contentious campaigns we can remember.

Another thing I would hope we could all agree upon is that it would be nice to see a change in the political scene where politicians would cam-paign on their own merits as opposed to tearing down their opponent. It would be refreshing to see both sides share their vision for the future.

What our survey shows us is surprising, given what we see on TV. It would appear our readers are not being counted by the major pollsters, as Governor Romney received a landslide victory in this poll.

What we found interesting was the change from the way our readers voted in the 2008 elec-tion versus their plans for this year. While the percentages for Mr. Romney are higher in 2012 than they were for Senator McCain in 2008, the surprise was the lost ground for President Obama.

20% of Obama supporters from 2008 will in-stead cast their votes for Romney in this elec-tion.

5% of the 2008 Obama supporters will in-stead vote for “Someone Else” this election.

Also interesting, was the trend amongst non-voters in the 2008 election. While President Obama did pick up supporters who were unable to vote in 2008, it was not enough to make up for Mr. Romney receiving two and a half times as many votes from voters that did not vote in 2008.

The fact that Mr. Romney picked up 20% of voters who reported they voted for President Obama in 2008 is consistent in the answers to some of our other questions. Here are some spe-cific examples.

On Foreign Policy, President Obama’s highest

mark, only 31% of the respondents approve of the President’s handling of U.S. affairs abroad, while 62% disapproved a great deal.

The view on the overall economy is where we saw our biggest surprise. In our poll, 25% stated they thought the economy in the country today was actually better than in 2008. Needless to say, that went along party lines, but we were sur-prised none the less.

President Obama’s handling of the economy in general seems to be his biggest stumbling block amongst voters, with 65% of the respon-dents showing they “Disapprove a great deal” and only 30% saying they approved at all.

So, based on our reader survey, President Obama, while receiving 30% of the votes, could not garner that high of a percentage in approval of the Obama economy or his handling of For-eign Policy, which was viewed slightly better than he handled the money. Clearly, in this poll readers responded with their pocket books.

Whether you agree or disagree with the poll results, the readers of Senior Voice America let their voices be heard. If our readers are any indi-cation of how the election turns out, it will be a much different election night for President and Mrs. Obama. With the senior population grow-ing faster than any other group in the U.S., poli-ticians are going to have to start paying closer attention to what you want and deserve.

Again, we want to thank all of you for partici-pating and we encourage you all to get out and vote, because it is what makes the United States

of America the greatest nation on earth.714-0600

need a ride to the polls? Call today… democrat republicanhillsborough (813) 837-1600 (813) 657-6499Manatee (941) 761-8385 (941) 756-0577Pasco (727) 844-3367 (727) 863-5400Pinellas (727) 327-2796 (727) 539-6009Polk (863) 450-2175 (863) 940-2833Sarasota (941) 330-9400 (941) 677-8633


By Kathleen Stasia

As the holiday season approaches with the sounds of shoppers bustling through the stores, do you find yourself still waiting in line for LOVE?

hoping??? Wishing???

Waiting???

Step Out Of Line For The Love Of Your Life. Step out, stand up, and make your love life fit your wildest dreams.

There are many places to meet senior singles – through relatives and friends, lo-cal bars, clubs, on-line dating, work, place of worship, and professional dating ser-vices.

Kathleen, a professional and personal matchmaker with Tampa/Sarasota/Na-ples Singles asks, “Are you endlessly searching and constantly being disappointed?”

She suggests you give yourself a gift for the holidays. Take action, activate your imagination, call Tampa/Sarasota/Naples Singles, and experience the difference in dating eligible, screened and qualified senior singles who like to have fun – no games, no one-night stands and no drama. The company does all the work for you, screening for drug and/or alcohol problems and conducting criminal background checks for felonies and anti-social behavior

Here are Kathleen’s helpful hints on how to build your love list, but don’t forget to check it twice.

1. Vision – choose carefully; know what you like and what you do not like. 2. Defineyourrealisticdesiresanddreams.3. Start writing your list. cut out words and pictures from

magazines and newspapers and paste them on your list.4. contact & Share your list with kathleen5. celebrate – let your heart be open to the warmth and

compassion for that special someone.

Your meaningful, committed, long-lasting relationship and the love of your life all begin with one phone call at 813-753-8230. The company offers complimentary interviews with a professional and personal matchmaker and a stocking filled with holiday cheer.

Don’t forget your love list, and you can share the beauty, peace and joy of this holiday season with the love of your life!

SEnIoR dAtInG FoR tHE HolIdAYS

How to Build YourLove List


Even though student loans are rarely discharged by bankruptcy, Debt Coun-sel for Seniors and the Disabled has been successful in helping many se-niors, veterans and disabled individuals with their own student loans or with student loans they co-signed.

Generally speaking, there are two categories of student loans: government backed student loans (federal loans) and private student loans. Prior to 2005, private student loans could be dis-charged in bankruptcy, but since the 2005 changes to the bankruptcy code, bankruptcy does not automatically dis-charge either type of loan. However, in some limited circumstances, private and federal student loans can be elimi-nated or forgiven due to hardship or permanent and total disability.

Private student loans are very profit-able for lenders. Due to current bank-ruptcy laws, they are virtually guaranteed to be repaid, even if it takes

the student (or co-signer) his or her whole life to repay the debt. The interest rates and fees on private student loans can be as financially burdensome as credit card debt.

Since there is little government regu-lation of these loans, there is no limit to the amount a student can borrow. Imagine charging a college education on a credit card with no spending limit! Private loans are similar to just that, ex-cept that consumer credit card debt can be discharged when a debtor files for bankruptcy.

If you’re wondering if there is debt relief for private student loans that does not involve bankruptcy, the answer is yes, especially for DCSD clients. You can learn more about addressing both private and government loans by calling DCSD at 800-992-3275 or visiting www.debtcounsel.net.

©bi

gst

oc

kph

oto

.co

m

Debt Relief for Seniors, veterans and Disabled Who Have Student Loans

FInAnCES

By James Salvatore Giardina, Supervising Attorney, DCSD


ASK ouR AttoRnEY

Discuss These instructions with Successor Trustees

By Joe Pippen

So, you’ve taken all the necessary steps to develop a living trust. What a great idea! But, your work is not yet finished. It’s important to provide instructions to your successor trustee to make sure they understand what should happen upon your death. There is no exact list of the duties of the trustee upon the death of the grantor. The basic duties of the successor trustee are to collect the assets, to pay the bills, and to distribute the as-sets. The following is a brief checklist of some items to consider:

1. Assist as needed in funeral arrangements, etc. 2. Inform family and other beneficiaries of your position and send them copies of the trust. 3. Order enough certified copies of the death certificate to transfer assets and advise financial institutions that you are now the trustee. 4. Consult with an attorney to insure all procedures are being carried out correctly. 5. Visit the bank of the deceased and provide a death certificate so that you may begin writing checks on the trust account. 6. Apply for tax ID number for the estate. 7. Notify Social Security, retirement plans, and insurance companies of the death and make arrangements to collect death benefits. 8. Make a complete inventory of the estate. 9. Collect all bills and start a ledger of accounts payable. 10. Start ledger of accounts receivable. 11. Make arrangements for the final income tax and estate taxes, if any, to be paid. 12. Transfer or make arrangements for the sale of any real estate in the trust. 13. Coordinate the transfer of any assets from the will to the trust. 14. Make a final accounting record of all assets, receipts and disbursements. All beneficiaries should receive a copy. 15. Pay remaining bills and taxes. 16. Distribute the assets in the trust.

Once all the assets have been collected, all the bills and taxes have been paid, all the assets have been distributed, and all the beneficiaries have signed a final release, the trust is dissolved and the successor trustee’s job is complete. Although this is something you might not want to think about now, assisting with this pro-cess before your death will serve as a final gift to the one you’ve selected to serve in your stead one day in the future.

For more information on trusts and other estate planning matters, call Joseph F. Pippin, Jr. & Associates at 727-586-3306 x216

ask our attorney!This is a Regular Feature in Senior Voice America.

Do you have a legal question or concern? We are here to help.

Attorney Joe Pippen will answer your questions right here every month.You can send your questions to us two different ways.

Email: [email protected] or mail to Senior Voice, 8406 Benjamin Rd.,

Suite G, Tampa, FL 33634

such a conversion could be well over $100,000. The good news is that there is a program that you can use to help

minimize any tax liabilities over your lifetime. It is called a Roth Roll-Out and it can be very helpful if you are concerned about fu-ture tax rates or if you want to create what could be an Income Tax-Free retirement. Unfortunately, not many people have heard about this valuable tool.

A Roth Roll-Out is a program that can potentially minimize the amount of taxes you will pay over your lifetime. It does so by con-verting funds from an IRA to a Roth at a specific amount each year. The program is key to formulating the amount of money that should be converted and how much to convert. In my opinion it is seldom prudent to convert your entire IRA to a Roth, but there is a “right” amount based on several factors such as your age, income and amount of money in your retirement accounts.

For example, let’s say you have $650,000 in a 401(k) or an IRA and you are 68 years old. You have a pension of $2,000 a month and you and your spouse have a combined Social Security of $30,000 per year. You are retired and living on $75,000 per year.

In this situation you would be receiving $54,000 a year from So-cial Security and your pension. Let’s say you are taking the addi-tional $21,000 from your IRAs or from non-IRA accounts (recognizing you will have to take minimum distributions from your IRA accounts when you turn 70½). The income from the IRA, combined with the other income, could put you in a 25 percent to 28 percent tax bracket, causing a significant tax each year.

If you chose to do a Roth Roll-Out by converting funds from the IRA to a Roth, any funds taken from the Roth in the future would be income tax free (there is a 5-year waiting period for Roths). In this case, your taxable income would be simply your pension, $24,000 per year.

Since a couple that makes less than $32,000 per year in report-able income does not have to pay taxes on their Social Security, your only taxable income in this case is $24,000 a year. Your actual income is $75,000 but your reportable income for income tax pur-poses is only $24,000 and you and your spouse will pay little or no income tax.

You have gone from a potentially high tax bracket of 25 percent to 28 percent down to an essentially income tax free retirement! And the other good news is that your children will not have to pay taxes on your Roth as beneficiaries of that account, which is not the case with an IRA or 401(k).

The key here is converting your IRA’s to a Roth in a manner that will help minimize your lifetime taxes, and this is where the Roth Roll-Out comes in.

If you have questions on the Roth Roll-Out program or the ad-vantages of a Roth IRA, just give us a call and we can help you ana-lyze your situation. A Roth Roll-Out is not for everyone, but it certainly is worth considering!

If you would like to receive future articles from Robert Harwood or schedule a free second opinion to review your retirement portfo-lio, please call our office at (727) 524-1427 and ask for Celine, or email us at [email protected] and we will sched-ule you at one of our four convenient locations in the Tampa Bay area. To learn more about Robert and his company, please visit our web site at www.HarwoodFinancialGroup.com. You can also listen live to Robert weekly on Wednesdays at 4:30 p.m. on Senior Voice America’s “Health, Wealth & Wisdom” radio program on 1250 AM radio, WHNZ.

Harwood Financial Group is an independent firmwith securities offered through Trustmont Financial Group, Inc. Member FINRa/SIPc. advisory services of-fered through Trustmont advisory Group, Inc., 200 Brush Run Road, Suite a, Greensburg, Pa 15601 Phone: 724-468-5665

Harwood Financial Group is not affiliated with Trustmont Fi-nancial or Trustmont Advisory Group, Inc.

continued From Page 1


Active Senior Living CommunityIn the Heart of Downtown St. Petersburg

411 First Ave. N • St. Petersburg, FL 33701(727) 894-6788 • www.theprincessmartha.com

EQUAL HOUSINGOPPORTUNITY

All Inclusive...Three Chef Prepared Meals Daily • Housekeeping Services Life Enrichment Programs • Bring Your Pet: New Dog Park Wellness Center On-

Site Non-Evacuation Community • Heated Pool and Sun Deck • On-Site Art Studio Community Garden & Garden Club • Transportation Available

Walk to Museums and Cafes • State of the Art Media Center/Game Room

Bayfront Physicians Associates

Health Fair & LuncheonNovember 16th at noon

RSVP727-894-6788

By Jon Lynn

In America today, only five out of ev-ery 100 people beginning their employ-ment will be able to retire at normal retirement age without suffering a drop in lifestyle.

Why is this so in the world’s wealthi-est nation? The sad truth is that we are not proactive in our retirement plan-ning; we are generally passive and rely on others. This is not surprising. When, in our academic careers, are we taught to understand and manage the money we will earn over our working careers? Generally, the answer is never.

Over the years that my daughters were in school, I taught at parent teach-in day from elementary school through high school. Invariably, at the end of the session the teacher would let me know how much they had learned from the discussion.

There are several factors that dra-matically effect successful retirement planning and implementation.

timETIME is the most critical factor. To

retire securely, you must begin taking action early in your career when time is working for us rather than waiting until time is working against us.

The problem is that, when we are young, retirement is decades away and we have plenty of time. Since people tend to live monthly, I explain time in months rather than years. This makes saving for retirement less daunting.

hoW muchHOW MUCH you put aside when

you are younger for the older retiree you wish to become is crucial.

As we know, life tends to get in the way of all our plans. We start families, encounter setbacks and tend to be re-active rather than proactive. We are prone to spending money on what we want rather than what we actually need. Adhering to a budget becomes more like going on a diet or a New Year’s resolution.

rESultSINVESTMENT RESULTS, whether

positive or negative, have dramatically effected a successful retirement, as we have seen over the past “lost decade” in the stock and real estate markets. When we retire, it is imperative that we get more defensive with our invest-ment strategy.

The Rule of 72, as understood by America’s first millionaire, Ben Frank-lin, called compound interest plus time “the eighth wonder of the world.” Sim-ply divide the number 72 by the inter-est your investments learn to determine how long it will take for your money to double. For example, if you earn eight percent, 72 divided by 8 equals 9 years to double. Today, money in a bank earning one percent takes 72 years to double!

taXESTAXES also impact a successful re-

tirement plan. Income taxes on most qualified retirement plans, like IRAs and 401(k)s, must be accounted for. Al-though contributions are tax deduct-ible over time, taxes are due at retirement after the accounts have grown to substantially larger amounts.

With children grown and homes paid off, deductions are limited at re-tirement. Usually, the government re-covers the total taxes saved over 40 years in only four to six years and you continue to pay until the accounts are expended.

If you are financially successful, es-tate taxes can significantly reduce what you pass on to your heirs, many times reducing what you have accumu-lated by 50 percent, truly a “success tax!”

Just as one has to be proactive med-ically to ensure good health; you must be financially proactive to provide good wealth.

Jon Lynn is a resident of the Florida since 1950 and a veteran of the US Navy. He worked in social services for 10 years and then in financial services since 1983. He has conducted numer-ous seminars for retiree organizations.

Be PRoACTive FoR A SUCCeSSFUL

ReTiReMeNT

FInAnCES


©bi

gst

oc

kph

oto

.co

m

WILL YOU ACT NOW OR ACCEPT YOUR FATE?

It sounds dramatic, but consider this: If you don’t review your Medicare coverage during open enrollment this year – at a time when the program is at its most critical turning point yet – you are setting yourself up for 12 months of passive accep-tance to changes and surprises you’ll never see coming. Working your way through Medicare choices is never something you should attempt alone, but it’s even more critical that you consult with an indus-try insurance expert as the changes from the Af-fordable Health Care Act come into effect on Jan. 1, 2013. These changes are already locked down, and are coming no matter who is sitting in the White House, so you really need to understand what is happening to your coverage, your formu-laries and your wallet. We cannot express the urgency enough. You have until Dec. 7 to get help, make your choices and secure your coverage for 2013. If you do not heed these deadlines and avoid reviewing your policy, we can almost guarantee you will pay more for coverage and get less for it. As informed Insurance agents, we spend hours each week reviewing and studying the changes to the plans as well as how the changes will affect you, our clients. The com-plexities of Medicare options can be confusing and to receive

the coverage that works best for you contact us today! Make your call today. Do not wait.

Hilary Zaragoza, David Demus and their team of licensed insurance agents at American Senior Benefits, Palm Harbor can be reached at 1-877-864-0263.

MEdICARE EnRollMEnt

By Hilary Zaragoza & David Demus, Insurance Advisors, American Senior Benefits, Palm Harbor



Tune in to 1250 am WHnZ monday-Friday from 4 to 5pm.

as Publisher evan gold

brings you information to live an

active mature lifestyle.

ication on a daily basis, you can see how quickly those costs can add up. So, in the end, with our strategy, your out of pocket expenditures for Plavix (generic) for the entire year -- $105 every 3 months times 4 quarters -- will equal $420. This yearly out of pocket cost is the same that you will pay using a Medicare Part-D plan since your co-pay to purchase Plavix equals a co-pay of $105 times four quarters, or a to-tal yearly expenditure of $420, but if you purchase prescriptions outside of Medicare, you will prevent applying any money towards the Medicare Part D donut hole, therefore saving that money for other needed medications. If you keep your out-of pocket expenses under $1,770, you’ve beaten the donut hole, and even if you get there eventually, you’ve still dramatically increased your buying power and the quantity of prescriptions you can fill without allowing Medicare to bill against your policy at the full re-tail price for the most expensive drugs.

how We keep our prices low Canadian Meds of St. Pete is a fa-cilitator for people to order drugs safe-ly and legally, directly from the manufacturer, at a 30 to 70 percent discount off the U.S. price. Our medi-cations are shipped directly to the cus-tomer from the place of manufacture, usually England, Pakistan, Singapore, India, or Turkey. While some of our medications are made in Canada and here in America as well, people may be surprised to know that the vast majori-ty of meds they take are made over-seas. Because of that, there’s no differ-ence between our medications and what you would purchase locally. Ev-erything we sell is safe, legal, and FDA approved. We can order name brand as well as generic medications, and your purchase is dictated by what your doc-

tor has written on your prescription. We do not and cannot order anything with-out a prescription. The average delivery time for our orders is 2-5 weeks, depending on cus-toms, so we ask that patients have their doctor write their script for a 90-day supply plus refills. That keeps patients from constantly having to re-order their medications and ensures that they don’t risk running out before their next order arrives. Our company has been in business for over 10 years with multiple locations

throughout Florida. Our goal now is the same as when we started, which is to help people save money on the high cost of medication. That includes Medi-care patients, private insurance patients, and those with no in-surance at all.

Canadian Meds of St. Pete is lo-cated at 5545 Park St. North, St. Petersburg, in the Eagles Park Shopping Center next to Publix. 727-498-6432.

From Pg. 17


EntERtAInMEnt

LEGALLY BLOND ThE MUSICAL

Eight o’ clock theatreNovember 2-18

College sweetheart and sorority star Elle Woods doesn’t take no for answer. So when her boyfriend dumps her for someone serious, Elle sets out where no Delta Nu has gone before: Harvard Law School. Based on the hit movie, Legally Blonde The Musical was nominated for 7 Tony Awards and 10 Drama Desk Awards and winner of Best New Musi-cal at the 2011 Laurence Olivier Awards in London. This all singing, all dancing feel good musical is about knowing who you are and showing what you’ve got! It’s one Elle of a show! Thur-Sat 8pm, Sun 2pm, $25.50.

The Eight O’ Clock Theatre is located at the Largo Cultural Center at 105 Central Park Dr., Largo 3377. For in-formation call (727) 587-6793 and on-line at LargoArts.com.

FLORIDA ORChESTRA

Dvorak’s Symphony no. 7November 9 10 11

Immerse yourself in Vaughan Wil-liams’ touching prayer and plea for peace, Dona Nobis Pacem (Grant Us Peace), with its angelic and gossamer hymn-like moments contrasting with the surging and percussive passages reflecting the threats of the world around us...on a program with Dvor-ak’s Symphony No. 7. Featuring The Master Chorale of Tampa Bay, Gerard Schwarz conducts.

For locations and ticket information call (727)892-3337 or (800) 662-7286.

GLEN FRY

ruth Eckerd hallNovember 10

Rock and Roll Hall of Famer Glenn Frey delivers an enticing mix of Eagles hits, solo hits and selections from his sixth and most recent solo album, Af-ter Hours, a collection of classic love songs. 8pm, tickets $59.50-$125.

Ruth Eckerd Hall is located at 1111 McMullen Booth Rd., Clearwater 33759. For information call (727) 791-7400.

CLEARWATER ChORUS: GOD BLESS AMERICA

ruth Eckerd hall November 11

Join us as we remember and cele-brate Irving Berlin the American giant, the gifted composer who wrote the pa-triotic song for WWII that set America singing for more than 80 years and

whose lyrics and melodies still seem fresh and right. 2pm, tickets $12-$15.

Ruth Eckerd Hall is located at 1111 McMullen Booth Rd., Clearwater 33759.

For information call (727) 791-7400.

aGatha ChriStie’S “the bbC MurderS”

capital theatreNovember 12

Lost during the London Blitz and post-war reconstruction, four rediscov-ered Agatha Christie gems from the BBC Mystery Series come to life for the first time on a Florida stage. 8pm, tick-ets $40-$55.

The Capitol Theatre is located at 405 Cleveland St. Clearwater 33755. For in-

formation call (727) 441-2863.

reGina SPeKtor


Regina Spektor is on tour in support of her latest release “What We Saw From The Cheap Seats.” Since emerging on the NYC café circuit in 2001, this Russian-born, Bronx-bred artist has been hailed as a truly special talent. With an uninhibited imagination and acute sense of detail both in music and words, Regina Spektor has gone from practicing on an out of tune piano in the basement of her local synagogue to hyp-notizing small crowds in NYC’s lower East Side to selling out venues like New York’s Radio City Music Hall worldwide. 8pm, tickets $39.50-$49.50.


ThE ODD COUPLE

loca lee Buckner theatreNovember 15-December 2

“The Odd Couple: Female Version” is a tongue-in-cheek tale of two utterly mismatched roommates – Florence Un-gar and Olive Madison. This estrogen-filled spinoff of Simon’s original, comic masterpiece elaborates the inevitably riotous drama that arises when a slob and neat-freak embrace. 7:30pm

The Loca Lee Buckner Theatre is located at Florida Southern College 111 Lake Hollingsworth Dr., Lakeland 33801. For information call (800) 274-

4131.

MANNhEIM STEAMROLLER ChRISTMAS Wezel hall

November 16Mannheim Steamroller Christmas

by Chip Davis has been America’s favor-

ite holiday celebration for over 25 years. Grammy Award winner Chip Davis has created a show that features the beloved Christmas music of Mannheim Steam-roller along with dazzling multimedia effects performed in an intimate set-ting. The spirit of the season comes alive with the signature sound of Mannheim Steamroller. Don’t miss this ultimate holiday tradition from the #1 Christmas music artist in history! 8PM, tickets $60-$85.

Van Wezel Hall is located at 777 N. Tamiami Trail, Sarasota 34236. For in-formation call (941) 955-7676.

LOU GRAMM

the lakeland centerNovember 17

Powerhouse vocalist and songwriter Lou Gramm can be heard each and ev-ery day, all over the world, on Radio, iPods, CD players, television commer-cials, music videos, and of course… jukeboxes. He has become the voice of a generation. Among the most distinc-tive and powerful voices to emerge from Rock and Top 40 radio, Gramm – the lead vocalist and co-writer of the multi-platinum band Foreigner – as well as a successful solo artist in his own right – remains one of the most recognizable performers in music to-day. 8pm, tickets #31-$43.

The Lakeland Center is located at 701 West Lime St., Lakeland 33815. For information call (863) 834-8111.

AARON LEWIS


Aaron Lewis received rave reviews for his inaugural country music project, Town Line, a solo EP that debuted at #1 on the Billboard Country Albums chart last year. In addition, his debut single, Country Boy, was certified gold and had multiple award nominations. Now, Lewis hits the road in support of his upcoming album release, The Road, due next month. 7:30pm, tickets $27.50-$135.50.

Ruth Eckerd Hall is located at 1111 McMullen Booth Rd., Clearwater 33759. For information call (727) 791-

7400.

A MUSICAL COMPASS

Branscomb auditorium

November 19Explore the far reaches of the globe

with the Florida Southern College Chamber Singers as they present music from Iceland, Southeast Asia, Latin America, and Africa. Directed by Beth

Gibbs, this concert will take you in many directions as it introduces the varied musical heritage and perfor-mance traditions of our world. Come enjoy the ultimate in “armchair travel.” 7:30pm, tickets $18.

Branscomb Auditorium is located at Florida Southern College 111 Lake Hol-lingsworth Dr., Lakeland 33801. For in-formation call (800) 274-4131.

aSia

capitol theatreNovember 20

After more than 30 years in the re-cording industry, the original lineup of progressive rock supergroup Asia brings their latest tour to the Capitol Theatre in the Cleveland Street District in Downtown Clearwater. The band will perform their debut album Asia, in it’s entirety. Asia’s self titled debut re-lease became the biggest selling album of 1982 spawning several Top 10 sin-gles and sales exceeding 7 million cop-ies. 7:30pm, tickets $69-$85.

The Capitol Theatre is located at 405 Cleveland St. Clearwater 33755. For in-formation call (727) 441-2863.

daVe KoZ and friendS ChriStMaS tour

Van Wezel hall November 23

A cherished holiday tradition mark-ing its 15th anniversary, is an uplifting, high-energy show the whole family will love. Get into the holiday spirit as some of music’s biggest and brightest names jam on fresh, lively arrangements of seasonal favorites, led by multi-GRAMMY® nominee and saxophonist extraordinaire Dave Koz. 8pm, tickets $30-$65.


FLORIDA ORChESTRA “POP SERIES”

magical movie musicNovember 23 24 25

Experience the drama, excitement and thrill of fabulous film favorites performed live from both silver screen classics and more recent blockbusters...Casablanca, Star Wars, Raiders of the Lost Ark, E.T., Harry Potter and more. Jeff Tyzik conducts.

For locations and ticket information

call (727)892-3337 or (800) 662-7286.


EntERtAInMEnt

When it Comes to entertaining

get out from behind your mask and list your event for Free

right here on the Senior voice

eNTeRTAiNMeNT PAgeS!

email your event

information no later than

the 15th of the month for

the following month listings

to:

entertainment@

seniorvoiceamerica.com

daVe KoZ and friendS ChriStMaS


An uplifting, high-energy show for the whole family. Saxophonist extraor-dinaire Dave Koz, pianist-composer David Benoit, winner of The Voice Javi-er Colon, and drummer/percussionist/vocalist Sheila E. jam on fresh, lively arrangements of seasonal favorites. In-troducing Margo Rey. 8pm, tickets $48-$85.


CLAY AIKEN’S “JOYFULL NOISE TOUR 2012”

Van Wezel hallNovember 24

This concert is full of holiday clas-sics and backed by a 20 piece orches-tra. Clay first made waves in 2003 as the first runner up on American Idol, winning over the hearts of millions of viewers worldwide. Since then, Clay has become a top-selling recording art-ist, starred on Broadway in Monty Py-thon’s Spamalot, released numerous hit CDs, and was the runner the first run-ner-up on NBC’s The Celebrity Appren-tice. 8pm, tickets $30-$60.


TFO: MAGICAL MOVIE EXPERIENCE


Experience the drama, excitement and thrill of fabulous film favorites performed live from both silver screen classics and more recent blockbusters...Casablanca, Gone with the Wind, Ben Hur, Pink Panther, Dr. Zhivago, Rocky, Star Wars, Raiders of the Lost Ark, E.T., Harry Potter and more. 7:30pm, tickets $17.50-$47.50.


MIChAEL BOLTON

Van Wezel hallNovember 30

An unforgettable evening with Mi-chael Bolton – the multi-Grammy award-winning, iconic voice on over 53 million records sold, with hits like “When a Man Loves a Woman”, “How am I Supposed to Live Without You”, “Time, Love and Tenderness,” “How Can We be Lovers”, “Georgia on my Mind”, and many more! 8pm, tickets

$30-$100.Van Wezel Hall is located at 777 N.

Tamiami Trail, Sarasota 34236. For in-formation call (941) 955-7676.

FLORIDA ORChESTRA

Brahms’ Double concertoNovember 30-December 12

The dynamic duo of Karen Gomyo and Christian Poltéra perform Brahms’ dramatic and virtuosic Concerto for Vi-olin and Cello on this program with Brahms’ delightfully bouyant Academic Festival Overture and Shostakovich’s Symphony No. 5, overflowing with an insistent, driving and dramatic panora-ma of orchestral rhythms, colors and themes. Joshua Weilerstein conducts.


ThE OAK RIDGE BOYS ChRISTMAS TIME’S A CoMinG tour

Van Wezel hallDecember 4

This show combines classic hits and holiday favorites, is sure to spice up your holiday season. The Oaks’ infa-mous four-part harmonies have spawned dozens of country hits, in-cluding Elvira, Bobbie Sue, Gonna Take A Lot Of River and many others. The Oaks bring four decades of charted sin-gles and 50 years of tradition to a stage show widely acknowledged as among the most exciting anywhere! 8pm, tick-ets $35-$55.


the KinGS of SWinG

Van Wezel hallDecember 5

Over recent years Swing music and the big band sound has become ex-tremely popular with the public. The Kings of Swing is a live concert featur-ing the Kings of Swing Orchestra and presenting some of the best swing vo-calists currently performing through-out Europe today. A contemporary swing show that celebrates all things swing! 8pm, tickets $30-$45.

Van Wezel Hall is located at 777 N. Tamiami Trail, Sarasota 34236. For in-formation call (941) 955-7676

SAWYER BROWN

the lakeland centerDecember 7

Known for such country top ten clas-sics as “Some Girls Do,” “The Dirt Road,” “Hard To Say,” “Step That Step,”

“This Time,” “The Boys & Me,” “Thank God For You” and “The Walk,” Sawyer Brown has come a long way from their hometown of Apopka, Florida. To date, Sawyer Brown has released twenty stu-dio albums with several achieving gold record status. 8pm, tickets$25.50-$50.

The Lakeland Center is located at 701 West Lime St., Lakeland 33815. For information call (863) 834-8111.

FLORIDA ORChESTRA

Schubert’s Symphony no. 9December 7, 8, 9

Xavier Phillips performs Prokofiev’s landmark cello work Sinfonia Concer-tante contrasting its fiendishly difficult soloist passages with hauntingly elo-quent interplay with the orchestra...in an evening that also features Schubert’s noble and majestic Sympho-ny No. 9, The Great. Julian Kuerti con-ducts.


annie

the players theatreDecember 6-16

It’s 1933 and the always hopeful, 11 year old Annie and her dog Sandy are off on an adventure to find her parents. This delightful and heartwarming mu-sical with Music by Charles Strous, lyr-ics by Martin Charnin and book by Thomas Meehan opened in 1977 and was nominated for 11 Tony awards and 35 years later is just as inspiring and clever as ever! $25 per ticket.

The Players Theatre is located at 838 N. Tamiami Trail, Sarasota 34236. For information call (941) 365-2494.

hOME FOR ThE hOLIDAYS “ThE ChRITSMAS GALA”

Branscomb auditoriumDecember 8

Join the FSC Music Department as students and faculty ring in the holiday season with the traditional Christmas Gala, aptly named “Home for the Holi-days.” Interspersed with a full array of student ensembles and soloists, special guest performers will include alumni returning to their FSC home. Also fea-tured will be the uniquely beautiful FSC rendition of “O Holy Night.” 7:30pm, tickets $18.

Branscomb Auditorium is located at Florida Southern College 111 Lake Hollingsworth Dr., Lakeland 33801. For information call (800) 274-4131.



WOMAN SEEkING MAN

European born widow, 65 yrs. old, 5’4” smoker, good looking, good shape. Seeking tall gentleman for fun, friendship, going out, movies, and travel. Holiday (727) 505-3137.

Lady seeks active gent 70 yrs. young. WD W C F NS ND 5’2”, swims, dancing, hikes, movies, holistic. Palm Harbor (727) 947-2191.

I am a single widowed 62 yrs. woman, looking for a serious relationship. Down to earth, love dancing, enjoy outdoor living. Serious and honest man. Hispanic pre-ferred. Tampa (813) 842-8240.

W WD H Petite, 82 yrs. old, younger looking, sincere, affectionate. SOH ISO good nature, playful man of sub-stance (Hispanic) and presence. Late 70’s+, aries, aquar-ius, or Capricorn. Largo (727) 392-4086.

Youthful, slender, and happy seeking the best man God has for me, 55-80, young at heart, looking to have a happy life together, no rent to pay, dance a little, and be happy. Largo (727) 584-8926.

I am 62 yrs. old, attractive, WD W C. I’m very ener-getic, bowling, movies, walking, exercise, biking. Looking for male with similar interests. Ages between 58 & 65. No games. Oldsmar (727) 687-9061.

Very fit, young 73 yrs., WD B F ISO gentleman, 62-70, 5’9” or taller who enjoys life, very positive, active, retired, financially secure and enjoys traveling. Wesley Chapel (813) 994-3432.

Must like Jacuzzi, swimming, NCIS, wheel of fortune, day trips and sr. center. Ages 70-79, would like to go to the dog track. From Ireland and England. 5’6”, blonde hair, uses walker. St. Pete (727) 368-7151.

WD W Lady 4’7”, 108 lbs. ISO Gentleman, 78-85 yrs. old, who likes movies, dining out, music, walking, and has a SOH. Tampa (813) 397-0417.

F W D 65, 5’2” ISO gentleman, 65-75 for friendship and

companionship. Someone to go out with, travel, etc. Life is too short to stay alone. Palm Harbor (727) 786-7263.

D W F seeking gentleman 50’s to 60’s who is outgo-ing with a great SOH. Enjoys dancing, travelling and must be financially secure. I am a very attractive petite lady with a vivacious personality. Clearwater (727) 474-5040.

Life is too short, single Latin lady 64 yrs. young, looking for Jewish gentleman for serious relationship. I am fun to be with, active, loyal, and no games. Clearwater (727) 480-7700.

Very attractive B S F C, long hair 5’8” 176 lbs. very active ISO S C M NS white or black who wants romance and passion in his life. No games, 58 to 65 yrs. old, please be honest. Tampa (813) 390-0727.

Lady C W S NS 5’5” 140 lbs., 69 yrs. old. ISO LTR with C W S M NS 70-75 for dancing, church, flea markets, travel, beach. Email @ [email protected], Largo (727) 247-9253.

I am 64 yrs. old, 5’2”, weigh 153 lbs., want to meet an honest man. Like to enjoy life, and doing things like bowl-ing, dancing, movies, dining out, and even going to flea markets. (727) 560-1201.

Healthy S J F, 69, ISO J M 65-75. I’m an unencum-bered NS, homeowner looking for same. Email me at [email protected].

Romantic, slim, long hair lady ISO NS ND love bird. LTR to do everything together, like go to church, cooking, walking, travelling, grocery shopping, wash car. 58-63. Largo (727) 488-7420.

F WD W LTR, love me tender, love me sweet, never let me go. If you are all above me, call me. In love with life, love nascar, baseball, and the beach. Life is too short to waste. Largo (727) 481-4842.

MAN SEEkING WOMAN

I am looking for you. Be 65+, height-weight propor-tioned and triple S if you know what I mean. I am 5’9” and 170 lbs. You must also be romantic and a good dresser. Thank you. Tarpon Springs (727) 992-2342.

Looking for a lady to take care of my home and pre-pare my meals. Must live in house, call for information. Sun City (727) 724-4424.

I am a S W M, upper 50’s ISO sexy lady, ages 35-55. I am 5’7”, 130 lbs. Tampa (813) 644-4729.

Quality guy, fun, fit, educated and never married ISO LTR. Way too much to share in 30 words. Lets talk at length via phone. Call, you won’t be sorry. Tampa (813) 273-8127.

ISO sincere attractive NS lady, romantic, affection-ate, honest, for friendship and dating. I’m S W M, 60’s tall, slim, active and sincere. Please call. St. Petersburg (727) 322-6197.

S W M 72 ISO F NS SOH 65-72 who is active. I like to walk, bicycle, take road trips and travel abroad. Clearwater (727) 458-5793.

D 65 Italian man ISO good lady for LTR. I will love, respect, and honor you for life. House and financially se-cure is a plus. Please no mobile home, condo, or apt. St. Pete (727) 498-6995.

I am M D C NS ND ISO an 85 L, walk every day, fish and hunt here, boat, must like dogs. 5’6” 170 lbs. Zephyrhills (813) 395-5183.

East Indian Male, tall, 65 yrs. young seeking a W F petite, a soul mate, Blonde, blue eyes, between 55-65 yrs. (If you have a disabled child, that is fine with me.) ISO LTR in St. Petersburg. Call me in the A.M., (727) 623-9532.

I am a Hispanic seeking a good lady friend to go to movies, slow dancing, tired of lonely nights. Clearwater (727) 400-2336.

71 American W WD retired, 5’7” 155 lbs., eye pleasing, ISO F for LTR. I like walks, talks, etc. New Port Richey Area (727) 271-4996

FRIEND SEEkING FRIEND

ISO M cruise partner , S W M to share a cabin on a cruise. Young at heart, charming, easy to get along with. Late dining, color, race, gay bi or straight, is not a problem. Weight and height in proportion. St. Pete (727) 322-3536.

Message to Martha w/ MH near Lake Seminole. Please call again. Had very short disappointing conversation. New thoughts and possibilities will explain. Thanks, Da-vid. St. Petersburg (727) 545-4148.

Everyone needs friends. I am an outgoing petite D W F from New York and new to the area. Let’s talk and become friends. Clearwater (727) 474-5040.

S W M seeking M between 58 to 65 unconditional friendship for get togethers, fun and companionship. Tired of being alone & physically lonely. You need to be honest, loving & caring. Possible LTR. Please call me. St. Pete (727) 347-5522.

English questing free spirit slim fit healthy, S W M 74 into natural living, massage, nature. Enjoys classi-cal music/films, candlelight dinners, ISO M/F friend to explore and enjoy. St. Petersburg (727) 384-4908.

S W M 63 5’8” 170 lbs. seeking M/F friend to go places and do things together, possible LTR. Lakeland (863) 594-0446.

Looking for a friend, male or female that enjoys life. I’m 57 yrs. old W F love to talk and listening. Riverview (813) 802-0239.

Individual to share my house in historic neigh-borhood. $500/mo. and 1/3 utilities. Deposit and good references required. St. Petersburg (727) 520-7903.

Someone to be friends with and to go places with, that’s not a continuous talker. Can drive, somewhere in there 50’s, early 60’s. Lakeland (863) 816-6020.

Slender, active love music, dancing, beach, travel, exercise ISO an active male that can take to do all that. 57-65 If bilingual good. Must be tall, physically fit and fi-nancially secure. Tampa (813) 326-7071.

I am looking for a friend for a LTR. Maybe you are the one for me, give me a call, let’s see. You can be over-weight. Pinellas Park (727) 623-2599.

SEnIoR to SEnIoR

M: MaleF: FemaleS: SingleD: DivorcedWD: WidowedW: WhiteB: BlackH: HispanicJ: Jewish

C: ChristianISO: In Search OfLTR: Long Term RelationshipNS: Non-SmokerND: Non-DrinkerSD: Social DrinkerSOH: Sense of Humor

Senior to Senior Abbreviations

EMAIL: [email protected]

SEnIoR to SEnIoR™mail to: Senior Voice america

8406 Benjamin rd., Ste G, tampa, fl 33634Email: [email protected]

fax: (813) 422-7966

©bigstockphoto.com

meet that Someone Special with a Free listing in

SenioR to SenioR


SerViCe

OXYGEN 4 ENERGY Travel size oxygen for: Sports, Seniors, Stress. Call (727) 947-2191 or [email protected]!

FREE SENIOR CARE REFERRAL/PLACEMENT AGENCY. Retirement, assisted living, memory/secure communities and in home service options. http://www.peggysplacementsandreferrals.com • 727-943-0257.

Subscribe Today!

Name:

Phone :

Payment: Visa MasterCard Check

Credit Card orders maybe faxed to (813) 433-5181.

Mail Payments To: Senior Voice of FloridaPO Box 270 • Lutz, FL 33548

Address:

City: State: Zip:

Exp:

Signature:

Card Number:

Don’t miss A Single Issue! Now you can get the Senior Voice America delivered right to your mailbox! It’s just $14 for a one-year subscription to The Leading News-paper for Active, Mature Adults.

Subscribe Today and receive a $20 GiFT CeRTiFiCATe

To DonATeLLo ReSTAURAnTe

credit card orders may be faxed to (813) 422-7966or call (813) 444-1011

mail payment to: Senior Voice america8406 Benjamin rd., Ste G, tampa, fl 33634

ClASSIFIEdS

YOU

R A

D

Heading ______________________________________________AD_________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Place your classified ad in the Senior Voice America today. Clean out your garage, sell that car, advertise your services. Ads are priced from $25 for up to 20 words, plus a phone number. Additional words are $5. To place your ad, call (813) 444-1011, or complete the form below and mail with a check payable to Senior Voice America, 8406 Benjamin Rd, Ste G, Tampa FL 33634.

You can also email your ad to [email protected] Deadline: 20th of the month for the next monthly issue.

NAME _________________________________________________ADDRESS _______________________________________________CITY ______________________________ STATE ____ ZIP __________PHONE __________________________________________________ EMAIL___________________________________________________



Date post:	29-Mar-2016
Category:	Documents
Upload:	senior-voice-america
View:	226 times
Download:	4 times

Senior Voice America - November 2012 - Tampa Bay Edition

Documents