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Today's Boomer Vol.2 No.3 May/June 2013

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Retirement. The next chapter and renewal of life that Baby Boomers will all come to embrace within the next 10 years. Boomers will redefine retirement by staying engaged and keeping their creativity and curiosity going as they age. The “Golden Years” will be defined by aspects of Work-tirement, where boomers will stay involved in careers and pursue their own business ambitions, while others will define it with leisure activities and pure fun. In this issue, Work-tirement speak to those who will stay working into their golden years, while Retirement Through Your Eyes and Medicare information for boomers will prepare those who are looking to fully relax and enjoy themselves; all who will redefine retirement. Boomer travel and Boomer healthy eating are things that all boomers can enjoy with others this summer and cut loose to do some chillin’ and grillin’. As boomers take a bow and enter into retirement and their New Golden Years, we look at it as moving on to the encore!
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Today’s Vol.2 No.3 Featuring The Only B2B Featuring The Only B2B Featuring The Only B2B - Business 2 BoomeR Marketplace! Business 2 BoomeR Marketplace! Business 2 BoomeR Marketplace! Retirement Ready or Not: Retirement Ready or Not: Preparing for the New Golden Years Preparing for the New Golden Years Boomer Healthy Boomer Healthy Eating Eating Summer Chillin’ Summer Chillin’ & Grillin’ & Grillin’ Preview to BoomeR Fest 3.0! Boomer Travel Boomer Travel Let the Sun Shine In Let the Sun Shine In
Transcript
Page 1: Today's Boomer Vol.2 No.3 May/June 2013

Today’s BoomeR

Today’s

Vol.2 No.3

Featuring The Only B2B Featuring The Only B2B Featuring The Only B2B ---Business 2 BoomeR Marketplace!Business 2 BoomeR Marketplace!Business 2 BoomeR Marketplace!

Retirement Ready or Not: Retirement Ready or Not:

Preparing for the New Golden Years Preparing for the New Golden Years

Boomer Healthy Boomer Healthy Eating Eating Summer Chillin’ Summer Chillin’ & Grillin’& Grillin’

Preview to BoomeR Fest 3.0!

Boomer Travel Boomer Travel Let the Sun Shine InLet the Sun Shine In

Page 2: Today's Boomer Vol.2 No.3 May/June 2013

2 Today’s BoomeR

Up Coming Cruises-

Book Now!

The Hawaii Islands Tropical Exploration 2013

“Credit Union Leadership & Growth Strategies Symposium”

July 20-27, 2013

Paris to Prague River Cruise “Credit Union Leadership Exploration

Symposium” August 16-27, 2013

Grand Mediterranean Odyssey 2013 “Credit Union Leadership Challenges

Symposium” September 15-27, 2013

Page 3: Today's Boomer Vol.2 No.3 May/June 2013

Today’s BoomeR 3

Founder John Vardallas & Alexandra Maragha

Editor-In-Chief Alexandra Maragha

Contributing Writers :

Karyl Richson: Social Security

Chef Eben Atwater: Healthy Eating

Advertising: Team

For Letters to the Editor, articles and feedback

as well as advertising inquiries email

[email protected]

The American BoomeR.com

John Vardallas CAE, CUDE

CEO/Founder Professional Speaker

Business/Lifestyle Strategist

Boomer Sage and Blogger

[email protected]

(608) 577-8707

Alexandra Maragha

Co-Founder, Editor-In-Chief Today’s BoomeR

[email protected]

Today’s BoomeR Vol.2 No.3 Today’s BoomeR is published

six times (Jan/Feb, Mar/Apr, May/ June, July/Aug, Sept/Oct,

Nov/Dec) a year by The American BoomeR.com

769 North Star Drive (Suite 207) Madison, WI 53718 All rights

reserved. Reproduction in whole or in part without permission

is prohibited.

The American Boomer

@American_Boomer

Today’s

This Issue

May / June 2013

Volume 2, Number 3

Boomer Travel 5

Let the Sun Shine In

Social Security 8

Honoring All Who Serve

Work-Tirement 9

Planning for the New Golden Years

Retirement Seen 10

Through Your Eyes

Medicare Basics 12

for Boomers

Boomer Healthy Eating 13

Summer Chillin’ & Grillin’

B2B Marketplace 16

Business 2 Boomers Marketplace

BoomeR Fest 3.0 21

Page 4: Today's Boomer Vol.2 No.3 May/June 2013

4 Today’s BoomeR

(feature) p. 10

p. 4

p. 12

On to the Encore...

EDITOR’S LETTER

Today’s

Alexandra Maragha

Editor-In-Chief

Send Letters and Feedback to: [email protected]

Retirement. The next chapter and renewal of life that Baby

Boomers will all come to embrace within the next 10 years.

Boomers will redefine retirement by staying engaged and

keeping their creativity and curiosity going as they age. The

“Golden Years” will be defined by aspects of Work-tirement,

where boomers will stay involved in careers and pursue

their own business ambitions, while others will define it

with leisure activities and pure fun.

In this issue, Work-tirement speak to those who will stay

working into their golden years, while Retirement Through

Your Eyes and Medicare information for boomers will

prepare those who are looking to fully relax and enjoy

themselves; all who will redefine retirement. Boomer travel

and Boomer healthy eating are things that all boomers can

enjoy with others this summer and cut loose to do some

chillin’ and grillin’.

As boomers take a bow and enter into retirement and their

New Golden Years, we like to look at it as moving on to the

encore of the show!

Bravo!

Page 5: Today's Boomer Vol.2 No.3 May/June 2013

Today’s BoomeR 5

B

OO

ME

R T

RA

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BO

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TR

AV

EL

Summer Fun & Indoor SunSummer Fun & Indoor SunSummer Fun & Indoor Sun Splash into these top waterparks for Splash into these top waterparks for Splash into these top waterparks for

your next getaway! your next getaway! your next getaway!

Travelchannel.com

At last summer is here. With the changing weather, the kids and grandkids home from school and vacations to be had, why not plan your next vacation splashing in the fun that these top water-park picks have to offer for the whole multi-generational family.

Schlitterbahn Waterpark Resort - New Braunfels, Texas Located on the banks of the Comal River, Schlitterbahn is consist-ently recognized as the best waterpark in the country, as well as the most fun spot for families in Texas. There are 2 parks spread out over 65 acres with attractions for all ages, from lazy rivers to wave pools and even wild uphill water coasters. To keep prices reasonable, this family-owned park offers free parking and inner tubes, and invites guests to bring along a picnic lunch to save money on food.

Noah's Ark- Wisconsin Dells, Wisconsin The Wisconsin Dells is known for its legendary waterparks and Noah's Ark is the largest of the bunch. The youngest family mem-bers can get their feet wet at Tadpole Bay or ease into

Page 6: Today's Boomer Vol.2 No.3 May/June 2013

6 Today’s BoomeR

waterslides while mom and dad ride along on the gen-tle bunny hills of Slidewinders. Everyone can get wet with the kooky sea sponge from the bottom of the sea at the SpongeBob SquarePants 4-D movie.

Zoombezi Bay - Powell, Ohio Zoombezi Bay waterpark is owned and operated by the Columbus Zoo and Aquarium. The park has 15 slides, a wild wave pool with 4-foot swells and the re-laxing lazy river at Croctail Creek. The whole family can get soaked on the loops and curves of the Tahitian Twister. After spending the day getting wet, plan to spend some time with resident wildlife next door at the Columbus Zoo.

Blizzard Beach - Orlando, Florida Blizzard Beach has all of the magic that visitors expect from Disney. The waterslides are fast and wild and the kids' play area at Tike's Peak welcome little ones with a snow-castle fountain and kid-sized slides. But the real draw is the impeccable attention to detail that brings the tale of this snow-capped Floridian ski village to life.

Six Flags White Water - Atlanta, Georgia Wiggles fans can climb aboard the S.S. Feathersword with water cannons, telescopes, climbing nets and slippery slides at the White Water. This is just one of the preschool-friendly attractions at the Wiggles Wa-ter World alongside slides and water play areas dedi-cated to Henry the Octopus, Dorothy the Dinosaur and the rest of the Wiggles gang. Older kids can explore the rest of the park and take a wild ride on the Run-A-Way River or make a getaway on the Mutiny Chute.

Indoor options are also a great way to enjoy the water with extra accommodations that can please everyone in the family. Not only do the indoor parks offer a variety of water slides, pools and water

activities, they also allow for dry options such as ar-cades, mini golf, and even quite areas for parents and adults who want to relax and read.

Great Wolf Lodge - Multiple Locations With 11 locations around the country, the Great Wolf Lodge is an ideal family getaway whether you live on the West Coast, the East Coast, or somewhere in be-tween. Accommodations are provided by the Lodge, making it easier than ever to travel with your family.

When the kids are ready to hit the pools, the first place they'll probably want to go is Fort Mackenzie. This 4-story tree house is fully stocked with suspen-sion bridges, swinging cargo nets and a 1,000 gallon bucket hanging from the (indoor) treetops waiting to drench your little ones. When you're all set to join the kids in the water, hop on the Howling Wolf in a 3-person toboggan to make your way down the winding 336-foot waterslide.

In addition to the waterpark, you'll find a spa for kids, bowling, miniature golf and Magiquest -- an interac-tive adventure that kids and adults alike can explore with magic wand in hand. While the kids are occupied, check out the Manitoba Tubs which include an adult-only jumbo whirlpool.

Sahara Sam’s - West Berlin, New Jersey At New Jersey’s largest indoor waterpark, Sahara Sam's guests will find 58,000 square feet of water

Page 7: Today's Boomer Vol.2 No.3 May/June 2013

Today’s BoomeR 7

attractions including the region’s only indoor surfing simulator called the Flowrider. Among the many attrac-tions are a lazy river, an obstacle course and a kiddie slide for toddlers. If it’s warm enough to take your vaca-tion outside, then check out the Samazon Ropes Adventure, the world’s tallest ropes course.

Avalanche Bay; Boyne Falls, Michigan Encompassing 80,000 square feet of wet and wacky fun, the Bavarian-themed Avalanche Bay, outside Trav-erse City, MI, represents the biggest indoor waterpark in Michigan. The park opened its doors to record crowds on Memorial Day 2006, and has been a hot spot for vacationing families ever since.

Some of the rides beneath the facility's expansive Fiberglas roof include the Splasherhorn water roller coast-er, Rip Zone surfing simulator, Vertigo Cannonball tube slide and a 900-foot lazy river. The place also features hot tubs, video arcades, a climbing wall and protected toddler areas in an environment that stays at a balmy 84 degrees all day long.

Nearby, the Swiss-style Mountain Grand Lodge is a great place for families to relax. The hotel boasts 220 suites -- perfect environments for youngsters to kick back and watch cartoons after a morning of splashing around. Mom and Dad can relax here, too, as the property's Solace Spa (it happens to be Michigan's largest) offers an entire menu of stress-eliminating treatments and mas-sage.

Because of Avalanche Bay's proximity to the Boyne Mountain Ski Resort, many families visit as part of a larger ski vacation. Guests here can choose from nine different restaurants, including Everett's, an upscale bistro that offers an all-you-can-eat Alaskan king crab feast every Friday night.

World Waterpark; Edmonton, Alberta As if there weren't enough distractions at the cavernous West Edmonton Mall in Edmonton, Alberta, the fa-cility's 5-acre World Waterpark is one of the largest waterparks in the world. In all, the Canadian park boasts more than 20 water activities -- ample opportunities to soak even the driest mall rats.

The park was built in 1985, but recently added the Raging Rapids ride, an enclosed slide that sends daring tube riders through strobe-lit darkness, and the Tropical Typhoon, a dizzying funnel-slide that spins thrill-seekers in circles before dropping them into a splash pool. Other new rides include bungee jumping, hot tubs and a Caribbean-themed interactive area for parents and toddlers to enjoy together.

Elsewhere in the mall, there's certainly no shortage of ways to spend the day. The mega center includes more than 800 shops, some of which are included in Europa Boulevard, designed to mimic a Parisian street. Additional kid-friendly attractions are Galaxyland, an amusement park; Sea Life Caverns, an aquarium; and Deep Sea Derby, a bumper-boat adventure on an indoor lake.

The mall also incorporates two hotels: the zany Fantasyland Hotel, which has assigned themes such as Afri-can Safari and ancient Rome to 118 of its 354 rooms; and the smaller and more intimate West Edmonton Mall Inn, where the only theme among 88 rooms is luxury.

Page 8: Today's Boomer Vol.2 No.3 May/June 2013

8 Today’s BoomeR

Social Security:

Honoring All Who Serve

Every day of the year, Americans across the nation remem-

ber friends and family members who have served and sacri-

ficed for their country. Memorial Day is a day when we all

come together to honor those who have given their lives in

the defense of freedom and the principles we hold dear in

this country.

May is also National Military Appreciation Month. As we ob-

serve Memorial Day and Military Appreciation Month, we

would like to let members of our military know how much

we value what they do for our nation.

At Social Security, we offer a wide range of services for our

service members.

Families of fallen military heroes may be eligible for Social

Security survivors benefits. Learn more about Social Security

survivors benefits at www.socialsecurity.gov/pgm/

survivors.htm.

For service members who return home with injuries, Social

Security is here to help. Visit our Wounded Warriors website.

You can find it at www.socialsecurity.gov/woundedwarriors.

We use an expedited process for military service members

who become disabled while on active military service, re-

gardless of where the disability occurs.

The Wounded Warriors website answers a number of com-

monly asked questions, and shares other useful information

about disability benefits, including how veterans can receive

expedited processing of disability claims. It is important to

note that benefits available through Social Security are differ-

ent than those from the Department of Veterans Affairs and

require a separate application.

Even active duty military who continue to receive pay while

in a hospital or on medical leave should consider applying for

disability benefits if they are unable to work due to a disa-

bling condition. Active duty status and receipt of military pay

does not necessarily prevent payment of Social Security disa-

bility benefits. Receipt of military payments should never

stop someone from applying for disability benefits from So-

cial Security.

If you’ve served in the Armed Forces and you’re planning

your retirement, you’ll want to read our publication, Military

Service and Social Security at www.socialsecurity.gov/

pubs/10017.html.

You also may want to visit the Military Service page of our

Retirement Planner, available at www.socialsecurity.gov/

retire2/veterans.htm.

At Social Security, we honor all those who served in the mili-

tary and we remember those who died for their country.

By Karyl Richson , Social Security Public Affairs Specialist

Social Security’s “Tripple Crown” of Social Media

Social Security has a horse in the race, so to speak. We offer

our own “Triple Crown” of social media at

www.socialsecurity.gov.

Facebook is a great place to stay in the know when it comes

to useful information about Social Security. “Like” Social Secu-

rity at www.facebook.com/socialsecurity.

Twitter is another place to get regular updates in short bursts.

We promise to be brief as we keep you up to date in 140-

characters or less. Select “Follow” at www.twitter.com/

socialsecurity.

Prefer watching videos? We’ve got those too. The third part to

our social media “Triple Crown” is our YouTube page, where

you can find everything from informative webinars to short

messages from Social Security. You can view fun public service

announcements starring George Takei, Don Francisco, Chubby

Checker, and the reunited cast of The Patty Duke Show. You

can even watch Patty Duke apply online for retirement bene-

fits in her pajamas! Join the fun and get some useful infor-

mation at www.youtube.com/socialsecurityonline.

Page 9: Today's Boomer Vol.2 No.3 May/June 2013

Today’s BoomeR 9

Since the proposed changes to Social Security have become a national debate, many Americans are starting to

think seriously about revising their retirement plans. People are now healthier and expected to live longer and with the

recent unprecedented downturn in the economy and stock market losses many of us Boomers will have to delay full

time retirement and extend their work life. It is no longer unusual to spend as much time in retirement as in working

full-time. Many retirees are depending on relatives, government assistance and part-time work to survive. The 70-

year-old at the grocery check-out is likely to be partnered with another retiree bagging groceries.

Special Challenge for Boomers

Baby Boomers will make up the largest population of retired workers in history with the longest life

expectancy. Boomers will be the most diverse group of retirees. They may be funding their children’s education,

supporting adult children, and caring for elderly parents. It is for these reasons Boomers will be engaging in

“Work-Tirement” to keep up with their financial needs.

While some Boomers have done an adequate job of saving for retirement, many wait until it is too late. People have a

difficult time estimating their retirement expenses because they fail to keep track of their own spending habits.

Estimate Your Spending Habits-Give Yourself A Financial Check Up

It’s a fallacy to assume that your spending habits will dramatically decline during retirement. Many retirees travel and

pursue other activities that keep themselves occupied. The first step in retirement planning is to get an estimate of

your expenses—your annual cost of living. There are several ways to do this.

●Keep a journal of everything you spend for a few months.

●Compile your years expenses via cancelled checks, bills, and cash withdrawals.

●Determine your take-home pay over a period of time. Calculate what you’ve saved—what’s left will give you an idea

of what you are spending.

* Decide what kind of income you will need to fund your retirement lifestyle.

Retirement Income

After you’ve estimated your expenses, you’ll need to determine if your retirement income will cover your living

expenses. Only one-third of Boomers save enough of what they need to retire at their income level, according to USA

Today. The traditional “three-legged stool” of retirement income consists of personal savings, Social Security and

pensions has now been expanded to “five” to include maintaining good health and job skills/competencies.

All of these dynamics will redefine retirement and may call for us Boomers to stay engaged in work beyond our golden

years and have a retirement game plan.

When it comes to funding your golden years, “HOPE” is not a successful strategy.

This topic and other retirement planning issues will be the focus of BoomeR Fest 3.0, a Financial Fitness Program for

boomers to be held on May 18th in Madison, WI.

For more information go 2 www.theamericanboomer.com

Boomers Must Plan for the New Golden Years:Boomers Must Plan for the New Golden Years:

“Work“Work“Work---Tirement”Tirement”Tirement” John A. Vardallas CAE, CUDE Founder/CEO, TheAmericanBoomeR.com

Page 10: Today's Boomer Vol.2 No.3 May/June 2013

10 Today’s BoomeR

Retirement Seen Through

Your Eyes After you leave work, what will your life look like?

Provided by Nick Abts

How do you picture your future? If you are like many baby boomers, your view of retirement is likely prag-

matic compared to that of your parents. That doesn't mean you have to have a "plain vanilla" tomorrow.

Even if your retirement savings are not as great as you would prefer, you still have great potential to design

the life you want.

With that in mind, here are some things to think about.

What do you absolutely need to accomplish? If you could only get four or five things done in retirement,

what would they be? Answering this question might lead you to compile a "short list" of life goals, and while

they may have nothing to do with money, the financial decisions you make may be integral to achieving

them. (This may be the most exciting aspect of retirement planning.)

What would revitalize you? Some people retire with no particular goals at all, and others retire burnt out.

After weeks or months of respite, ambition inevitably returns. They start to think about what pursuits or ad-

ventures they could embark on to make these years special. Others have known for decades what dreams

they will follow ... and yet, when the time to follow them arrives, those dreams may unfold differently than

anticipated and may even be supplanted by new ones.

In retirement, time is really your most valuable asset. With more free time and opportunity for reflection,

you might find your old dreams giving way to new ones. You may find yourself called to volunteer as never

before, or motivated to work again but in a new context.

Who should you share your time with? Here is another profound choice you get to make in retirement. The

quick answer to this question for many retirees would be "family". Today, we have nuclear families, blended

families, extended families; some people think of their friends or their employees as family. You may define

Page 11: Today's Boomer Vol.2 No.3 May/June 2013

Today’s BoomeR 11

it as you wish and allocate more or less of your time

to your family as you wish (some people do want less

family time when they retire).

Regardless of how you define "family" or whether or

not you want more "family time" in retirement, you

probably don't want to spend your time around

"dream stealers". They do exist. If you have a grand

dream in mind for retirement, you may meet people

who try to thwart it and urge you not to pursue it.

(Hopefully, they are not in close proximity to you.)

Reducing their psychological impact on your retire-

ment may increase your happiness.

How much will you spend? We can't control all retire-

ment expenses, but we can control some of them.

The thought of downsizing may have crossed your

mind. While only about 10% of people older than 60

sell homes and move following retirement, it can po-

tentially bring you a substantial lump sum or lead to

smaller mortgage payments. You could also lose one

or more cars (and the insurance that goes with them)

and live in a neighborhood with extensive, efficient

public transit. Ditching land lines and premium cable

TV (or maybe all cable TV) can bring more savings.

Garage sales and donations can have financial bene-

fits as well as helping you get rid of clutter, with ei-

ther cash or a federal tax deduction that may be as

great as 30-50% of your adjusted gross income pro-

vided you carefully itemize and donate the goods to a

501(c)(3) non-profit.1

Could you leave a legacy? Many of us would like to

give our kids or grandkids a good start in life, or help

charities or schools - but given the economic realities

of retiring today, there is no shame in putting your

priorities first.

Consider a baby boomer couple with, for example,

$285,000 in retirement savings. If that couple follows

the 4% rule, the old maxim that you should withdraw

about 4% of your retirement savings per year, subse-

quently adjusted for inflation - then you are talking

about $11,400 withdrawn to start. When you com-

bine that $11,400 with Social Security and assorted

investment income,

that couple isn't

exactly rich. Sus-

taining and enhanc-

ing income be-

comes the priority,

and legacy planning

may have to take a

backseat. In Merrill

Lynch's 2012 Afflu-

ent Insights Survey,

just 26% of house-

holds polled (all

with investable assets of $250,000 or more) felt as-

sured that they could leave their children an inher-

itance; not too surprising given what the economy

and the stock market have been through these past

several years.2

How are you planning for retirement? This is the most

important question of all. If you feel you need to pre-

pare more for the future or reexamine your existing

plan in light of changes in your life, then confer with a

financial professional experienced in retirement plan-

ning.

Nicholas Abts may be reached at 608-438-8483 or

[email protected].

www.tfaconnect.com

This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. All information is believed to be from reliable sources; however we make no

representation as to its completeness or accuracy. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional

services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of

avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are

not illustrative of any particular investment.

Citations.

1 - www.bankrate.com/finance/financial-literacy/ways-to-downsize-during-retirement.aspx [2/28/13]

2 - wealthmanagement.ml.com/Publish/Content/application/pdf/GWMOL/Report_ML-Affluent-Insights-Survey_0912.pdf [9/12]

Page 12: Today's Boomer Vol.2 No.3 May/June 2013

12 Today’s BoomeR

By Jack Zimmermann, Agent/Physicians Mutual

[email protected]

Part A: This covers 80% of hospitalization and it is free if

you, or your spouse, have worked, and paid Medicare taxes,

for at least 10 years.

Part B: This covers 80% of doctors, specialists, chiroprac-

tors, etc. If you are taking Social Security already you will

automatically receive a Medicare card with Part A and B on

it a couple of months prior to turning 65. If you are not tak-

ing SSI, but do want to enroll in Medicare, you have to con-

tact Social Security and tell them you want to enroll in Part

B. This will cost you approx $100/month. You can do this

at any time after age 65. They will bill you quarterly. Once

you start taking SSI the Part B premium will automatically

be deducted from your Social Security check.

Part C: Medicare Advantage Plans – I never suggest any-

one taking one of these. They combine Part A and B bene-

fits and also include drug coverage (Part D). They are rid-

dled with copays and deductibles, and have very narrow pro-

vider networks. People that sign up for these plans basically

may be giving up their Medicare benefits – NOT a good

thing! The plans are inexpensive and a great example of

paying for what you get.

Part D: Prescription Drug Plan – You must have credible

drug coverage after you enroll in Medicare. If you do not,

you will face a penalty later in life – Can be quite large.

There are 29 drug plans in the state of Wisconsin – They are

very different and can change dramatically. That is why I

help each of my clients with the plan each year. If a client of

mine is on no medications, or only those of a generic variety,

I put them on Senior Care at $30/year. Most clients make

more money than the plan maintains for coverage with no

deductible – That’s OK! I tell my clients to put the card

away and buy the generic medications outright. Should my

client’s drug list change during the year the plan allows you

to leave it at any time and enroll in a standard drug plan.

The intent is to save my client money. This can get confus-

ing, but I am well versed in how to use it.

Finally, the area of Medicare Supplements, which I recom-

mend to all I know and serve. Medicare is good insurance,

but it is an 80/20 system with no cap. There is also a deduct-

ible for Part A and for Part B. The deductible for Part A can

occur several times in one year. Supplements are intended to

cover what Medicare does not.

There are MANY different Medicare Supplements. There

are also several varieties of Supplements:

Comprehensive Plans – No Co pays or Deductibles – High-

est price

Deductible Plans – Lowest priced. The deductible is regu-

lated by the government. Some plans have a deductible that

hovers around $2,000/year. Coverage is 100% after the de-

ductible.

Innovative Plans – Have a deductible for 3+ years (depends

on when plan is taken out), which converts to the Compre-

hensive plan, with no increase in price. This is an excellent

option, although a bit of a gamble, for healthy people.

Co Pay Plans – A nice mix that works well for people that

seldom go to the doctor, aside from Preventive Care.

What to look for in a Supplement:

Ability to us ANY doctor or hospital in the US

Rate increase history – Be careful of companies with low

introductory prices. They rise dramatically, especially at

age 70

An agent that is always available when needed (I am)

An agent that will help with your Part D plan each year

Financial rating of the company – Make sure that the

company you choose has an A or A+ with A.M. Best,

and all other rating systems. This is very important be-

cause a poor financial condition will result in higher rate

increases.

Limitations on Preventive Care – Most companies have

some – 2 companies have NONE – These plans pay for

ALL preventive care NOT covered by Medicare. (Eye

exams, shingles shots, etc.) Ask your agent about this

very important part of the plan.

When are you “Guaranteed Issue”?

At age 65

Leaving a group plan (no matter what age)

Termination of a Medicare Advantage plan

Medicare Basics for Boomers

Page 13: Today's Boomer Vol.2 No.3 May/June 2013

Today’s BoomeR 13

BOOMER HEALTHY EATING:

Chillin’ and Grillin’

We use both charcoal and gas grills. Start with a good cleaning, removing all the old sludge and half cooked gunk thoroughly - cooking on a dirty grill is for ama-teurs, gang. For charcoal grills, make sure all the parts are intact and solid, nothing rusted away or loose. For gas grills, check the hose, regula-tor, burners, deflectors and grill-ing surfaces, again checking that everything is there and working right. Oil your grilling surfaces if neces-sary. Use a paper towel or cloth soaked in cooking oil and oil the grill before you light it. Similarly, once you have a fire lit in either style of grill, you can ma-nipulate coals or burner controls so that you have hot and medium and cooler areas on one grill, this way, you can have several things working, taking advantage of the differentiated heat. You'll also want to use your lid and your vents. Your lid allows you to trap heat other than the direct flame, speeding and even-ing out your cooking. Vents will do the same; by controlling how much air flows through the grill, you can raise or lower tempera-ture and control smoke, if you decide to use that. A thermometer is always a good thing. Knowing, with reasonable certainty, the working temp of your cooking space, and/or the internal temp of what you're cooking, takes the guesswork away and helps immeasurably in quality.

Finally, let us say that much grilling may be somewhat impaired by chillin', A.K.A. booze and fun. If you're the proud chef, save the lion's share of your merriment for when your work is done; proper cooking requires thinking. You'll have fewer mishaps

with fire and sharp things, too. And since we're discussing thinking, give a great meal the thought process it deserves. Plan, make sure you have everything in place and ready to go when you are. In a professional kitchen, we talk about "Getting your mise together." It refers to mise en place, (pronounced meez on plass), French for 'set in place'. Mise en place is a great concept to become familiar with and use. Get everything there, right where you need it, knock out the task, do a quick clean up and move onto the next.

The planting beds have been weeded, seeds sown, lawn mowed, and the grills pulled out for

another season of action. Whether your grill has been under a tarp, in the garage, frozen or in some other state of suspended animation,

it's time for grillin' and chillin'!

Eben Atwater is a Chef and writer who began cooking professionally in the 1970’s in Washington State and Idaho. In addition

to a food blog he publishes with his wife and partner-in-crime Monica, Eben is an accomplished musician and instrument

maker. He lives in western Washington State where he manages a bakery-café. Visit www.urbanmonique.com

Recipes and Photos from

Chef Eben Atwater

www.urbanmonique.com

Page 14: Today's Boomer Vol.2 No.3 May/June 2013

14 Today’s BoomeR

Steaks To rub or not to rub? Rub. Take your steaks out of the fridge and let them get to room temp before you grill; an-other little pro trick that makes a big difference. Again, rubs don't need to go on until right before you grill, but go ahead and salt lightly when you pull them from the fridge.

Our rub consists of kosher salt, smoked peppercorns, sweet paprika, with onion and garlic powders. Use what you like; and go with a couple of teaspoons of dominant flavor note(s) and half teaspoons of your minors. Look at the thickness of what you’re gonna grill. You’ll probably be dealing with a steak roughly an inch thick. With that as a benchmark, plan on one good old rock and roll song per side, and you're good to go for a nice medi-um rare. Might sound goofy, but about 3 1/2 minutes per side over medium high heat, lid closed, vents open most of the way will get you where you want to be. Make sure to let the steaks rest for five to ten minutes after cooking - Don't test or taste or you'll bleed 'em out! Any questions?

Chicken Our preference is to buy a whole roasting chicken and portion it ourselves. Try what we do and leave the skin on as much as possible; it's a great grilling interface and it's delicious. Notice too that we left the bones and skin on the breasts; never throw out flavor! Poultry will pretty much always taste better and be noticeably juicer if you brine it. This is true regardless of the cooking method you plan to employ. For basic brine, use 1/2 gallon of fresh, clean water to 1/4 cup of kosher

salt. If you like a sweet undertone, add 1/4 cup of light brown sugar as well. Bring the water to a boil, add the salt and or sugar and stir until completely dissolved. Let the brine cool completely to room temperature prior to im-mersing your bird. If you're pressed for time, use half the water and add the rest as ice, yielding a faster cooling

time. If you want to add aromatic herbs, toss them in and allow them to simmer for 15 minutes or so. The same rub construction and application rules apply as they did for beef. In this version, we again used kosher salt and black pepper as dominant notes, with minors of sage, smoked paprika, and dried lemon and orange peel. OK, into the fire, as we say! Start the cooking bone side down, then flip. Notice also, that the skinniest parts most prone to overcooking are all faced out to the coolest perimeter of the grill, and the breasts are dead center.

With chicken, I like to get the grill interior temp to around 300º F, and make five or six flips throughout the cooking process with the lid down, minimal vents, and always

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keeping an eye on the temperature. Check to reach an internal temp of 165º F before pulling them off the fire and allowing to rest for at least 5 minutes, (Remember, don't mess with the rest: You want all those wonderful juices!)

Fish Here in the northwest, salmon is our go-to, and for good reason. The rela-tively oily, firm flesh grills wonderful-ly. Find something local and fresh whenever possible and go with that; fresh trumps fancy, every time. Our go-to salmon wet rub is simple and delicious. Use equal parts each extra virgin olive oil and unsalted butter (about an ounce each for a fil-let like this one), 1/2 ounce of good bourbon, two teaspoons of dark brown sugar, and a tablespoon of fresh lemon, lime, orange or grape-fruit juice as you please. Over medi-um heat, combine everything, taking care when adding the booze that you don't foam over. Cook until you have a nice, even consistency that will coat a spoon. Brush onto your salmon and light the fires! Fish should cook over medium heat, lid closed, vents open, (about 300º F) in the grill. Measure the thickest

part of your fish and allow 10 minutes cooking time per inch. Don't flip, just let it do its thing. A couple of minutes rest after grilling is all you need. Try this wet rub of ours and you won't need or want anything else on it, guaranteed.

We paired ours with Minnesota wild rice done up with fresh orange, and some gorgeous snap peas. Who could ask for anything more?

Chillin' So, the cooking's done, time to eat and time for treats for the chefs! Almost every-where these days you can find locally made beer and wine. When it comes to pairing with the goodies we've shown you, that's what you want to aim for. Find a local that you've not tried and saddle up! For beef, try a nice dry red wine, or a brown ale. With

the chicken, a hearty white or a nice light pilsner will hit the spot. And for the salmon, consider a nice sparkler to cut the richness of the fish, or perhaps a tangy India Pale Ale. Get local, get fresh, and you'll never go wrong!

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