June 6, 2014 issue 570

June 6, 2014

The Senior Newspaper Serving Volusia & Flagler Counties For 23 Years—COMPLIMENTARY COPY

Visit Us Online At: seniorstodaynewspaper.com

A Publication of Schillinger Enterprises, Inc. © 2014 Volume XXIII – Issue 12

Meeting Caregiving ChallengesPage A-8

Page A-2—Seniors Today—June 6, 2014

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Having always known aboutcheckers you may sometimewonder about the beginningof this simple plan that set up

the game.In our world as children, the ‘an cients’ in

our lives were a granddaddy and grand-mother who lived in the solitude of themountains at a place called Hickory Tree.They often took one of us home withthem for a week, to a place where therewas no distractions, no phone, or otheroutside influences.

Once there, they had to find ways toentertain the young. So, each day, afterGranddad finished gardening, you wouldsee him walking up the path in his bib overalls,dabbing at his brow with an old railroadhandkerchief, tired from tending the toma-toes, corn, green beans, and carrots, and dig-ging potato hills. He’d go to the waterbucket and get a big drink from the dipper,then turn and say, “Do you think you canbeat me at a game of checkers, little one?”

In the midst of a checkers game, whichyou were only allowed to win fair and square,he might do one of his magic tricks, likereaching over and pulling a penny from be-hind your ear. The magic tricks and thecheckers were things he could do to enter-tain without exerting too much energy.

We took checkers for granted and manyyears later, I had the urge to re search thegame. It was interesting to discover that aboard game, much like the game of check-ers, called Alquerque dated back to 6000

B.C. These boards were even found carvedinto stone slabs that form the roof of thetemple of Kurna in Egypt. Then there wasthe game board found in the ancient ruinsof the city of ‘Ur’ in Iraq, dating back to3000 B.C.

The earliest game of checkers, as weknow it, came from Egypt in 1400 B.C.Having learned early the competition withanimals and other people for survival, humanbeings have always indulged in games.Games predate written history. Accordingto one source, the first known games wereHide and Seek, Tag, and King Of The Cas-tle played by children of the caves. Fromthere they graduated to who could throw aspear the straightest or who could throw arock the longest distance.

Electronic games that involve televisionor computers have replaced most of thesimple board games we played as children.One good thing about checkers is that noone can pull the plug on that game. Overthe years, it’s amazing how much you couldlearn from playing checkers with yourelders. As always, it isn’t whether youwin or lose but how you play the game.

Kitty Maiden is a staff writer forSeniors Today.

Checkers, The Everlasting Game

You Name It

…by Kitty Maiden

June 6, 2014—Seniors Today—Page A-3

Volusia & Flagler Counties Reverse Mortgage Provider

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What’s Happening Around Town…Travel Club

Do you like to travel? Would like tomeet others that have the sameinterest? You are invited to come to atravel club sponsored by DiscoveryTravel. The meeting will be held Tues.,June 10 at 9:30 A.M. at the DaytonaBeach Municipal Golf Course ClubHouse Restaurant., 600 Wilder Blvd.Debbie Larson-Catron of MSC Cruiseswill speak on their many promos, dis-counts, and offer a travel club special.A fun door prized goes to the first 75who RSVP! Call 386.788. 8201 today.

Women EmergingJoin M. Ashley Moore, Certified NLP

Trainer as she continues her educationseries and offers a free presentation:Women Emerging: Who Am I; HowDo I Get What I Want on Wednesday,June 11 from 6 –7 P.M. at 3959 S. NovaRd., Bldg. B, Suite 21, Port Orange.Registration is required. Reserve yourseat now as it fills up fast. RSVP to386.788.5653 or you may e-mail to: [email protected]

Natural Smile Seminar

Find out if dental implants are rightfor you at a free patient informationday. Questions about the cost and howthe implant surgery is done will beanswered. The seminar is scheduledat the office of Florida Oral & FacialSurgical Associates at 4 P.M. on Tues.,June 17 in Daytona Beach. Seating isvery limited and light refreshmentsserved. RSVP by calling 386.239.3600.

Pet Vet CruiserVolusia County’s Pet Vet Cruiser

offers free and low-cost spaying andneutering for pets. Residents in VolusiaCounty can catch the Pet Vet Cruiser, byappointment, around the county in June.This Pet Vet Cruiser’s spay and neuterprogram is based on income and has asliding-fee scale. Appointments for ser-vice are required. For more details aboutcost, qualifications, or to schedule anappointment, please call 386.323.3575.

Health & Kidney Disease

Do you have Diabetes or high bloodpressure? These are two are the lead-ing cause of kidney disease. You canhelp with early prevention of kidneydisease for you or your loved ones. Kid-ney Smart Education classes are offeredin your area at no cost! Call 888.my.kidney or visit kidneysmart.org

Free Caregiver’s DayNeed a break from caregiving? First

United Meth odist Church of OrmondBeach is providing two free Caregiv-er’s Day Out that includes food, fun,and special attention for care re ceivers.The days are from 9 A.M. to 2 P.M. onThurs., June 12; Sat., July 12; andThurs., Aug 14 at First United Meth -odist Church of Ormond Beach. Forinformation, call Sherry at 386.677.3581, ext. 311. This is a wonderful op-portunity for caregivers to have a breakand know that their loved ones are beingwell taken care of in a loving, safe, andfun environment.

Medicare WorkshopCome find out how medicare works

and get the answers to frequently askedquestions on Tues., Jul. 2 or Tues., Aug.5 both at 10 A.M. at Great AmericanSenior Benefits, 1930 W. Granada Blvd.,Ormond Beach. RSVP to 386. 671.9150or [email protected] andleave name and date you wish to attend.Free $10 gift certificate to GourmetKitchen for all attendees!

Pet First Aid & CPRThe Sunshine Safety Council will

conduct a Pet First Aid & CPR class attheir 150 N. Beach St., Daytona Beachoffice on Sat., June 7 from 9 A.M. to1:30 P.M. Participants will learn first aidskills for bites, burns, bleeding, heatstress, cardiac arrest (CPR), choking,trauma, and other injuries. Pet ownersand pet professionals will benefit fromknowing what to do in an emergency.Cost is $45. For registration, pleasecontact Claire Jonas 386.253.6400, ext.114 or online at sunshinesafety.org

Book SaleThe Friends of the Library will have

its monthly used-book sale in theDeLand Regional Library auditorium,130 E. Howry Ave. from 2 to 7:15 P.M.Thursday, June 12; 9:30 A.M. to 4:45P.M., Friday, June 13; and 9:30 A.M. to3 P.M., Saturday, June 14. Hard coversand large paperbacks will be sold for50 cents each, and small paperbacks willbe eight for $1. For more information,call the library at 386.822.6430.

E-reader ClassLearn how to download free audio-

books and e-books during a free e-readerclass from 5:30—6:30 P.M. Thursday,June 12, at the Oak Hill Public Library,125 E. Halifax Ave. Reservations arerequested and may be made by callingJulie Walters at 386.345.5510.

Reverse Mortgage Seminar

Come get all the facts on fixed ratereverse mortgages and have all yourquestions answered by Glenn Russellyour local reverse mortgage specialiston Thurs., June 26 from 11 A.M. to 1P.M. in Port Orange. Enjoy a compli-mentary lunch while you learn. Seat-ing is limited. RSVP to 386.663.4067.

Improve BalanceLearn how to reduce stress and im-

prove your balance during a free, four-part tai chi series at the DeLand Re-gional Library, 130 E. Howry Ave.Reina Williams, healthy living coordi-nator for the Volusia-Flagler YMCA,will lead the introductory classes fromNOON to 1 P.M. Mondays, June 9, 16,and 23. Tai chi is a low-impact, self-paced system of gentle physical exer-cise and stretching. Reservations arerequired and may be made by callingthe library’s reference desk at 386.822.6430, ext. 20763.

Sick Plant ClinicBring your sick plants and gardening

questions to the New Smyrna BeachRegional Library, 1001 S. Dixie Free-way from 1 to 3 P.M. Tuesday, June 17.Master gardeners of the University ofFlorida/Volusia County Extension willtroubleshoot your roots and suggest acourse of treatment. For more infor-mation, call 386.424.2910.

Support GroupsNeuropathy

Support Group

The 2014 Neuropathy Support Groupmeets at 2 P.M. at Trinity LutheranChurch, Fellowship Hall, 485 Turn-bull Bay Road, New Smyrna Beachand at GrandVilla of Ormond Beach,535 N. Nova Rd., Ormond Beach. Fordetails, call 855.966.3600.

Alcoholics AnonymousAlcoholics Anonymous is a fellow-

ship of men and women who share theirexperiences, strength, and hope. The onlyrequirement for membership is a desireto stop drinking. There are no dues or fees.Please call toll free, 888.756.2930 formore information.

Look Good/Feel BetterTrained cosmetologists are available

to help women undergoing cancer treat-ments with makeup and accessories.This group meets at Florida Hospitalin DeLand. The cost is free, but seat-ing is limited and registration is re-quired. Call The American Cancer Soci-ety at 1.800.227.2345 for reservations.

Seniors Today360 S. Yonge, Street

Ormond Beach, FL 32174Phone: 386.677.7060 Fax: 386.677.0836

Website: seniorstodaynewspaper.com

Published bySchillinger Enterprises, Inc.

General ManagerBonnie Schillinger

EditorBonnie Gragg

Staff WritersKitty Maiden

Peggy & George Goldtrap

Seniors Today is published and dis-tributed free every other Friday to inform,entertain, and serve those over the ageof 50.

Deadlines: The deadline for advertisingis Friday, 5 P.M., one week prior to theFriday publication date.

Advertisements and copy: All adver-tisements and copy is believed to betruthful and accurate. Seniors Todayreserves the right to edit, revise, orreject any advertising and/or submittedarticles for publication. Advertisementsare the sole responsibility of the advertiser.Advertisements and copy in SeniorsToday are not meant to be an endorsementof any product, service, or individual. Alleditorial copy and by lined articles arethe opinion of the writer and are notnecessarily the view, opinion, or policyof Seniors Today.

Errors and Omissions: Neither the pub-lisher nor the advertiser are liable formistakes, errors, or omissions. The soleliability of Seniors Today to anadvertiser is to reprint the corrected adin the next issue.

Copyright Warning: Pursuant to FederalCopyright Law, all material containedwithin this publication which was created,designed, composed, written, typeset,imageset, or prepared in any way bySeniors Today remains the sole prop-erty of the publisher and cannot be repro-duced in whole or in part without thewritten permission of Seniors Today.

This pertains to the duplication of eitheradvertising or non-advertising material.Notice of copyright appears on page oneof this and all issues.


Acommon statement madeby senior citizens is, “I don’twant them to take what Iworked for.” We know what

they mean. If one needs long-term care,he or she does not want to spend all theirsavings and lose their home to pay for it.The sentence shows some misconceptions.

Who is “they?” It likely refers to thenursing or long-term-care facility, or tothe Medicaid program itself. What does“take” mean? Many seem to think thenursing home or Medicaid literally takessomething. That is not entirely accurate.

If one needs long-term care, the providerof the services is entitled to payment. Ifone applies to be admitted to a facility,and cannot pay, the facility can declineto admit. Although the facility can requirepayment, it does not technically “take”anything without the person’s agreement.

To obtain Medicaid assistance, one mustmeet medical and financial requirements.One may need to reduce one’s assets priorto qualifying. Again, Medicaid does not“take” assets. It simply does not givebenefits until the person qualifies.

If a person is admitted to a long-term-care facility and then does not pay, thefacility could bring a legal action againstthe person, which could result in a judg-ment, which could result in the facilitytaking assets.

If one receives Medicaid benefits, anddies, Medicaid is a general creditor. Med-icaid can file a lien for payment in theprobate estate of the deceased person. Ifthere are no assets subject to probate, thelien does not have any effect.

In either of the above cases, one’sFlorida homestead property is exemptfrom attachment. The Florida constitu-tion provides that a creditor (other thanone holding a mortgage on the home)cannot take the home. The protection islost if the home is rented. Neither a long-term care facility nor Medicaid can “take”the home, (even after death if the homepasses to heirs at law).

Thus, “they” do not really “take” any-thing when one is in a long-term-carefacility.

Attorney Michael A. Pyle, of Pyle &Dellinger, PL, 1655 North Clyde MorrisBlvd., Suite 1, Daytona Beach, Florida,32117 Telephone: 386-615-9007. E-mail: mikep@pylelaw. com or www.pylelaw.com

Medicaid Does Not Take

Elder Law…by Michael A. Pyle

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by Peggy Goldtrap

Do you remember your gradu-ation day, or lack thereof? It’samazing how soon we forgetthe friends we swore would

be forever. Time has an ugly way of eras-ing bad memories along with pleasant ones.Four years of your early life is spent antic-ipating the great cap throwing event. Afterthat, you’re supposed to skip down theroad to adulthood.

I had the honor of writing the class poemin 8th grade and in high school. Sorry, can’tquote one line right now and it was franklya lot of blah, blah: all about future whichwas impossible to predict at 13 or 17.

The speeches called baccalaureate andcommencement are long since buried be-neath daily commitments, career, children,time, and space. The graduation parties areusually more memorable than the event.

Did you get luggage? A watch? Thosewere standard gifts in my day. The luggagewas great, except I couldn’t afford a tripacross town much less out of town. Thewatch was beautiful, delicate, and tiny so Ihad to squint to see the hands. I had towind it myself and had to set it by pullingout a stem. Batteries were sci-fi futuristic.

I wore a white dress and white shoes tomy baccalaureate; the guys wore suits andties. We looked like a Warren Jett’s wedding.The class marched two by two into theMethodist church and sat quietly whilewe were told that the future course of civ-ilization was our responsibility, but we stillhad to obey our parents.

Graduation was usually held in the gymwhere the smell of teen-age sweat mixedwith the aerosol aroma of hair spray andafter-shave.

You couldn’t sit beside your best friendor the guy you adored. You marched inand sat beside the alphabetical equivalentof Godzilla. You waited stoically for yourname to be drawn, and then you marchedin front of the whole world that mattered,your family. You shook hands with theprincipal, the teachers, smiled for the pro-fessional camera guy and left ‘that stage’of your life.

The class clowns made the biggest im-pressions. The ‘I can’t resist a chance to makea fool of myself’ clowns who, despite a sternscowl by the principal, bounced, rolled,flipped their way to a sheepskin.

A universally favorite graduation me-mento is the tassel which is usually hungon the rear view mirror. Slowly, as time andsun takes its toll, the tassel fades, shreds,and its proud gold-tinted year of achieve-ment winds up under the floor mat; aneventual victim of a vacuum.

Our youngest son’s baccalaureate wasthe most memorable. The speaker, a friendof the principal and businessman (ownerof an aluminum siding company), all-aroundcommunity good guy. Unfortunately, hisbusiness acumen did not reveal itself onthe podium.

My guess is that the speech was writ-ten by his secretary and that he had neverseen it until he unfolded it and placed thepaper on the podium. It began okay thenrapidly digressed into chaos. The gentlementalked about aluminum siding; the needfor it; how it protects property; what it meantto his life. The good guy began sweatingprofusely as he recognized the lack of anal-ogy. He obviously could hear the gigglingand wiggling of teenagers straitjacketed insuits and panty hose. The parents, trainedby tradition to sit silent despite random, ram-bling rhetoric, began to check watches, tap-ping them subtly in case they had stoppedticking. The stoic staff of educators cut eyesat each other, checked tiles on the ceiling,tied and untied shoes, politely ‘ahem’ed,anything to stay face-forward focused with-out bursting out in laughter.

Mercifully the speech ended with onefinal exhortation for graduates and theirfamilies to install aluminum siding.

Few things make me spontaneously smilelike watching the best and the brightest throwtheir mortar boards to the sun, jump up anddown, and joyfully greet the future. Theenthusiasm of graduation can inspire youngmen and to repeat the experience via gradu-ate school or professional training.

Walking the proud line and receivingloud applause for enduring years behind acramped desk is a tradition worth continu-ing, but graduation alone does not auto-matically open the door of success.

Nine presidents never graduated fromcollege: George Washington, Andrew Jack-son, Martin Van Buren, Zachary Taylor,Millard Fillmore, Abraham Lincoln, An-drew Johnson, Grover Cleveland, andHarry Truman. Amazingly, people whosenames and faces are recognized world-wide;a who’s who of wealth and power, by-passedpomp and circumstance in favor of entre-preneurship or were forced by circum-stance to cut away from the ivied walls ofacademia. Albert Einstein, John D. Rocke-feller, Walt Disney, Princess Diana, RingoStarr, Bill Gates, Mark Zuckerberg, RalphLauren, Steve Jobs, Quentin Tarantino, PeterJennings, Peter Jackson, Larry Ellison,Thomas Edison, and many others had vi-sions beyond those contained in a classroom.

Graduation, whether kindergarten ormagna cum laude, heralds completion ofone phase of life and the unexplored begin-ning of another. Now what? What’s next?What part is mine to play?

George and Peggy Goldtrap are bothactors, speakers, and writers and may bereached at [email protected]

Graduation Day

Happy Talk

…by George & Peggy Goldtrap


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Many People HaveTuesday, July 2nd Or

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plan to attend either by phone at 386-671-9150 or email at

[email protected]:

Great American Senior Benefits1930 W. Granada Blvd., Ste. 10, Ormond Beach

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*For a private consultationregarding your specific plan, please call 386-671-9150. Paulette Reed

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BDCs, or Business develop-ment companies have beenaround since 1980 whencongress created them. A

BDC is a company that typically providesfinancing to smaller and middle sizedbusinesses looking to expand that may nothave access to the capital markets like bigcorporations. Interestingly, as the econ-omy continues to recover there has beena real need for lendable assets and sincethe banks still aren't lending like they havein the past, BDCs have provided both anopportunity for those businesses to getthe much needed capital, but also has pro-vided individual investors an opportunityto take part in this lucrative market thathas historically been reserved for insti-tutional investors.

BDCs are typically taxed as regulatedinvestment companies, which allow themto avoid paying corporate income tax aslong as they distribute 90 percent or moreof their taxable income to shareholders.Many BDCs today are yielding 7-8 percentinterest and have senior secured loans re-quiring borrowers to pledge assets ascollateral for these loans. There is riskassociated with investing in BDCs, how-ever. Such risks are default risk, creditrisk, and interest rate risk. But for those

investors looking for additional incomein their portfolios, BDCs may be worth-while considering for a fractional pieceof an overall income portfolio. To sched-ule a complimentary consultation, pleasefeel free to give us a call.

“At Savannah Court Financial Advi-sors, Inc. you're not just a client, you'reour guest!”

For more information please call 386-308-5842 or Cell 386-299-2893, or visitour website at www.SavannahCourtFinancialAdvisors.com

Scott Weidman, CFP® is a local, in-dependent Certified Financial PlannerTMProfessional. He has been serving hisclient's retirement and investment needsfor over 14 years and owns and operatesSavannah Court Financial Advisors, Inc.located at 157 Fairview Ave., DaytonaBeach, Fl 32114.

Securities offered through J.W. ColeFinancial, Inc. Member FINRA/SIPCInvestment Advisory Services offeredthrough JW Cole Advisors. Savannah CourtFinancial Advisors, Inc. and JWC/ JWCAare unaffiliated companies.

The ABCs Of BDCs

Financeby Scott Weidman, CFP®,

Certified Financial PlannerTM

Professional

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Special to Seniors Today

In today’s world, many womenfind themselves facing the con-sequences of an aging populationand for good reason. The profile

of the average U.S. caregiver will befamiliar to many: a 49-year-old womanwho works outside the home and spendsnearly 20 hours per week providingunpaid care to her mother for nearlyfive years.

Given these competing responsibil-ities, many caregivers are absent fromwork more often than their noncare-giving counterparts, missing betweeneight and 12 workdays per year. Ascaregiving duties intensify (as demen-tia worsens, for example), even moretime at work may be lost. Nearly 70percent of those who provide 21 ormore hours per week of hands-on carereport having to make accommodationsin their work schedules, such as arriv-ing late or leaving early and cuttingback on hours, as well as changingjobs or leaving the workforce entirely.

In addition, the obligations facedby working caregivers can take theirtoll in other ways. Caregivers in everyage group score themselves lower inemotional and physical health thantheir non-caregiving colleagues,and the deficits are especially pro-nounced for working caregivers underthe age of 44.3 Their re ported anxiety,depression, and injuries result in an in-ability to concentrate and greater con-flict with supervisors. In short, care-giving can affect the bottom line. Theassociated de crease in productivityamong full-time workers is estimatedto cost the U.S. economy $33.6 billion,with a cost per full-time employed care-giver of $2,110.

What May Make A DifferenceFederally employed women who have

already experienced or witnessed theconsequences of a long-term care eventin their family or circle of friends mayrecognize the value of participating inthe Federal Long-Term Care Insur-ance Program (FLTCIP). The coverageis designed to reimburse for long-termcare services in a variety of settings—athome or in a facility such as an assistedliving facility, an adult day care, or anursing center—and can lessen oreliminate an individual’s reliance on aworking family member to providehands-on care.

Federally employed women may alsowant to explore the benefits of havingtheir qualified relatives apply for cov-erage as a way to minimize their ownfuture caregiving obligations. The eligi-bility list is broad and includes spousesand same-sex domesti

partners, parents, and parents-in-law,and adult children older than age 18.Qualified relatives can apply even if theemployee they’re related to does not.

Expert Care Coordination Most people have little knowledge of

or experience with long-term care deci-sion-making. It’s not something youlearn about until the need exists in yourown family or circle of friends, oftenwhen it’s an emergency. The program’scare coordination services offerenrollees information and advice onlong-term care re sources, such as localcare pro viders and relevant communityprograms. With just a toll-free call,enrollees can get professional input tohelp guide decision-making, reduceuncertainty, and lower stress. Havingaccess to a team of experienced insur-ance professionals can help you makean in formed decision about whichprovider is best for you or your lovedone. This expertise is available notonly for FLTCIP en rollees, but alsofor their qualified relatives even if thatrelative isn’t enrolled in the program.

The Next StepTo learn more about the FLTCIP’s

comprehensive benefits and features,you can register for an upcomingwebinar or view the existing library ofon-demand topics at www.LTCFEDS.com/webinar.

For personalized assistance, you cancall (800) LTC-FEDS [(800) 582-3337)]/ TTY: (800) 843-3557 to speak with aprogram consultant. They are availableto answer any questions you may haveand can walk you step by step throughthe plan design and application process.

More About the FLTCIP Established by an act of Congress in

2000 and overseen by the U.S. Office ofPersonnel Management, the FLTCIP isdesigned to meet the specific needs ofthe federal family. The FLTCIP providesindustry-leading benefits and offersflexible options that allow enrolleesto tailor coverage to meet their needs.

Certain medical conditions, or com-binations of conditions, will preventsome people from being approved forcoverage.

Meeting Caregiving Challenges

Getting help providing long-termcare to a loved one may be easier

than many people realize.

KidneySmart classes availablevisit kidneysmart.org or call 888-mykidney for more information.

DaVita Daytona Beach Dialysis 386-258-7322578 Health Blvd • Daytona Beach

DaVita Daytona South Dialysis 386-322-36251801 S Nova Rd • South Daytona

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DaVita New Smyrna Beach 386-409-0025110 S Orange St • New Smyrna Beach

DaVita Deland Dialysis 386-738-2570350 E New York Ave • Deland

DaVita Orange City Dialysis 386-774-01012575 S Volusia Ave • Orange City

DaVita Palm Coast 386-445-444513 Kingswood Dr • Palm Coast

DaVita Palatka Dialysis 386-329-9458326 Zeagler Drive • Palatka

DaVita St. Augustine 904-808-0445264 Southpark Circle East • St. Augustine


Preparing For Hurricane Season

With summer approaching,the last thing you want tothink about is getting pre-pared in case of disaster.

By preparing now, you can have a carefree,fun summer season and know that you areready for whatever happens. Take the stressout of preparations by planning in advanceand enlist others in the household in the pro-ject. Don’t put it off for the last minute. Thisway everyone will know what their respon-sibilities are when/if a disaster happensand you’ll have a great sense of security.

Three things you must do in order to planfor financial recovery after disaster.• Gather important papers and documents• Prepare a home inventory• Check over you insurance policy to ensureit give you adequate coverage

Important PapersIt can be very stressful to have to scurry to

find important in a “mini-emergency” situa-tion. Protect those valuable papers and avoidthe stress by taking time now to gather themand store in one location. A fireproof and water-proof container is the best choice.

Many of these documents can be scannedand stored on a USB drive. You’ll have anelectronic archive on your home computeras well as a portable file to take with you.Keep them in an accessible but secure placeso you can “grab them and go” if necessary.

Items to include:• Banking information, account numbers and bank names

• List of savings and investments• Credit card records• Household inventory• Insurance policies with names of the company, policy type, and policy number

• Copy of wills, trust documents, Living Wills/Advance Directives

• Titles (house, cars, other property)• Passports• Educational Records• Certificates’ (or copies):Birth, Marriage,

Divorce, Death, and AdoptionAlways keep the following things with you:• Photo ID• Medical information including blood type,health condition, list of medications currently taking, any allergies, your doctor’s name, and contact information

• Credit cards• Cash for emergencies• Contact information of next of kin and

out of state relatives

Kathy M. Bryant is with the Volusia CountyExtension Office. For more information onthis topic and many others go to solutions-foryourlife.com or call 386-822-5778.

Day-To-

Day Life…by Kathy M. Bryant

Services:• No Stitch Cataract Surgery • Glaucoma Specialist• Laser & Eyelid Surgery • Diabetic Eye Care• Complete Eye Exams for

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Physicians & SurgeonsMark E. Kennedy, M.D.Michael K. Makowski, M.D.Rory A. Myer, M.DTimothy D. Root, M.D. Alan D. Spertus, M.D. FACSThomas M. Kline, O.D.Karin L Schoeler, O.D.

Mark E. Kennedy, M.D.Board Certified:

American Board of OphthalmologyUndergraduate School: University of Tennessee

Medical School: Meharry Medical CollegeInternship: Mayo Clinic

Residency: University of Florida, Shands Hospital

Fellowship: Glaucoma, UF—Shands Hospital

Are You AfraidAre You AfraidDo you have…Balance Problems?Difficulty Walking?Dizziness?

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Barr & Associates Physical Therapy 1425 Hand Ave, Suite H Ormond Beach

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• Alter-G Anti-Gravity Treadmill for Safe Walking• Biodex Computerized Balance System for Testing/Training• Video Frenzel Goggles for Dizziness/Vertigo

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Emergency Reserve Savings—How investments potentially build savings for life’s expenses while also taking advantage of saving taxes.

Disability—What pays your bills, if you’re sick or injured and cannot work?

Life Insurance—You love your family forever, care enough to have them taken care of.

College Savings—Options to help ensure your children, can keep up with the world.

401K / IRA rollovers—Take control of the money you worked to save. Protect it and diversify to your risk level—fixed to aggressive depends on you.

Retirement Path—Do all the things you always wanted too! Let us help you to plan so that there are funds available.

Business Success Options—Start out taking care of employees to help retain them. Business continuation and the what-ifs.

Estate Conservation & Creation—Now that you have saved your money for your loved ones, potentially increase your dollars and pass them tax free to your heirs.

Long-Term Care—Care, when you cannot care for yourself. When the hospital is too much—home is nicer.

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Let’s talk about you, 386-427-1955Call Me 888-255-1630 • Cell 407-474-0712“Becky” JoyAnna Rebekah Argeny LUTCF

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Assisting you in accomplishing your goals. Making your world be as you feel the world should be…

Rebecca M. BeckerElder Law Attorney & Mediator

Dedicated to helping you and your familybe prepared for whatever life brings.

“Legal preventive maintenance”for peace of mind. Providing for

your health care, your lovedones, and your property

through:• Health Care Directives &

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“Personal & Confidential Attentionin a Comfortable Atmosphere”

Tel: 386-672-4365Ormond Beach, Floridawww.BeckerLaw.net

The hiring of a lawyer is an important decision that should not be based solely upon advertisements.Before you decide, ask us to send you free written information about qualifications and experience.

What’s In The StarsFor The Week Of June 9

ARIES (March 21 to April 19) Anunexpected development could changethe Arian's perspective on a potentialinvestment. Keep an open mind. Ignorethe double talk and act only on the facts.TAURUS (April 20 to May 20)A surgeof support helps you keep your com-mitment to colleagues who rely on youfor guidance. Ignore attempts to get youto ease up on your efforts.GEMINI (May 21 to June 20) Fam-ily continues to be the dominant factor,but career matters also take on newimportance. Combine elements of thetwo in some surprising, productive way.CANCER (June 21 to July 22) Arealistic view of a workplace situationhelps you deal with it once you knowwhere the truth lies. Reserve the week-end for someone special.LEO (July 23 to August 22) Asmuch as you might be intrigued by thesunny prospects touted for a potentialinvestment, be careful that you aren’tblinded to its essential details.VIRGO (August 23 to Sept. 22) Afriend's problem brings out the Virgo'snurturing nature in full force. Don't goit alone. Allow others to pitch in andhelp share the responsibilities.

LIBRA (Sept. 23 to Oct. 22) A busi-ness decision might need to be put offuntil a colleague's personal matter isresolved. Use this time to work onanother business matter. SCORPIO (Oct. 23 to Nov. 21) Re-lationships (personal or professional)might appear to be stalled because ofdetails that keep cropping up and thatneed tending to. Be patient.SAGITTARIUS (Nov. 22 to Dec. 21)A promotion could cause resentmentamong envious colleagues. Others rec-ognize how hard you worked to earnit, and will be there to support you. CAPRICORN (Dec. 22 to Jan. 19)Handling a delicate personal matterneeds both your awesome wisdom andyour warmth. Expect some setbacks,but stay with it. AQUARIUS (Jan. 20 to Feb. 18)Resist the temptation to cut cornersbecause time is short. Best to moveahead so you don't overlook anythingthat might later create complications.PISCES (Feb. 19 to March 20) Usethe good will you recently earned withthat well-received project to pitch yourideas for a new project. Expect sometough competition, though.


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Dirty Duck Says…Spring Cleaning Special-Dirty duct says don’t depend on luck toprotect your loved ones from the allergensin your air and heating system. Have yourducts cleaned. Call for your free estimatetoday, mention this ad, and receive a $50 gift card from your local grocerystore with a complete duct cleaning.

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Reviewed by Larry Cox

Aribert Heim worked at theNazi concentration campin Mauthausen for onlya few months in 1941,

but he quickly became known as Dr.Death. The Austrian SS doctor's exper-iments on Jews, such as injecting gaso-line directly into their hearts and evenremoving organs from living prisonerswithout anesthesia, became notorious.

At the end of World War II, Heimslipped out of Germany, evaded cap-ture and eventually settled in a work-ing-class neighborhood of Cairo. In hisnew homeland, he prayed in Arabicand remained hidden, even though amanhunt for him continued due to thetestimony of survivors who told of thedoctor's atrocities.

How Heim lived under the radar isthe subject of a fascinating new bookby Nicholas Kulich, former Berlinbureau chief of The New York Times,and Souad Mekhennet, a seasoned jour-nalist and frequent contributor to bothThe Washington Post and Daily Beast.The Eternal Nazi: From Mauthausento Cairo, the Relentless Pursuit of SS

Doctor Aribert Heim reads more like amystery novel than a nonfiction.

According to the authors, Heimmight never have been found if notfor the efforts of a group of Germanswho were unwilling to let Nazi warcriminals go unpunished. Amongthem was a police investigator, AlfredAedtner, who turned finding the for-mer Nazi into an obsession. His questtook him across Europe, occupyingseveral decades of his time, andbecame, in essence, nothing less than apowerful symbol of German's evolvingattitude toward the sins of its past. Adesire to see justice done at almostany cost became paramount.

As late as 2009, the mystery ofHeim's disappearance seemed almostunsolvable. This highly readable accountreveals how historical detection, gritand determination finally illuminateda nation's dramatic reckoning with thecrimes of the Holocaust and one ofthe most shocking war criminals ever.

Books reviewed in this column areavaialble at your local bookstore.

Books

The Eternal Nazi

Dr. Blasik M.D., Jason Welch NP-C, and Nitra Welch NP-C have opened their

practice at Blue Ocean Dermatology.

HappyFather’s

Day!

Introducing The All New Indigo Manor Assisted Living

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FREE Dental Implant SeminarSeating is limited. Light Refreshments

Tuesday, June 17th at 4 pm549 Health Blvd., Daytona Beach

REGISTER TODAY! 386.239.3600It’s a call that could give you a lot to smile about!

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You’re Invited

Section BJune 6, 2014

This month marks the begin-ning of hurricane season inthe Atlantic region. Each year,hurricane season runs from

June 1–November 30. We have learnedin past years that tropical storms canform even outside of these dates.

A hurricane preparedness plan isimportant for residents of any coastalregion. Humans are not the only onesthat need to be prepared during incle-ment weather. Pet owners should havean emergency plan that accounts fortheir animals as well, and should always

be aware of the potential for evacua-tion in their area. A well-organized planshould help you and your pet make itsafely through another hurricane season.

Pre-storm preparation is critical foryou and your pet(s). If you wait until astorm is bearing down on your home,it may be too late. Create a checklist ofpet supplies you will need. This shouldinclude leashes/collars, current ID tagsand/or registered microchips, a three-day supply of food and water, medicalrecords, ownership papers, a currentphoto, a crate, towels/blankets, and toys.

Make sure to have these items on handnow, instead of waiting until a storm ap-proaches. Remember that thousands ofpeople could be in the same situation,and stores often run out of items dur-ing emergencies.

If you are ordered to evacuate as astorm draws near, never leave yourpets behind or turn them loose. Pets aredomesticated animals that cannot sur-vive on their own. Look for a friend orrelative that will take you and your petinto their home, or check online forpet friendly motels. Again, planning

early will benefit you,since many other peo-ple will with pets alsobe looking for placesto stay.

Most animal shelters, including Hal-ifax Humane Society, do not board pets.In Volusia County, if you have no otherplace to go, you and your pets can goto the DeLand Fairground People andPets Shelter. Space is limited, so pleasemake that your last resort.

Tyler Stover can be reached at 386-274-4703, ext. 320, or at [email protected]

Tails From The Front

Bear is as sweet as honey. Claudy is begging for a tasty treat. Coco is the HHS class clown. Gracie is wondering where the squirrels went.

Page B-2—Seniors Today—June 6, 2014

Dale Woodward, Founder

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A fun door prize goes to the first 75 people who RSVP!

Ms Debbie Larson-Catron of MSC Cruises will speak on their many promos, discounts, & offer a travel club special

for MSC cruises from Florida & around the world!June 10, 9:30 A.M.

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MSC Divina sailings:7 nights roundtrip from Florida to Bermuda • $649

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The History Channel

On June 7, 1692, a massive earth-quake devastates the infamous townof Port Royal in Jamaica, killing thou-sands. A large tsunami hit soon after,putting half of Port Royal under 40feet of water. In the 17th century, PortRoyal was known throughout the NewWorld as a headquarters for piracy andsmuggling.

On June 4, 1754, 22-year-old Lt.Colonel George Washington begins con-struction of a makeshift Fort Necessity,near present-day Pittsburgh. The fortwas built to defend his forces fromFrench soldiers enraged by the murderof Ensign Joseph Coulon de Jumonvillewhile in Washington's custody.

On June 3, 1800, President JohnAdams becomes the first acting pres-ident to take up residence in Washing-ton, D.C. Unfortunately, the WhiteHouse was not yet finished, so Adamsmoved into temporary digs at Tunni-cliffe's City Hotel near the also half-finished Capitol building.

On June 5, 1922, George Carmack,the first person to discover gold alongthe Klondike River, dies in Vancouver,British Columbia. In 1896, near theconfluence of the Yukon and KlondikeRiver, Carmack stumbled across a de-posit of gold so rich that he needed nopan to see it: Thumb-sized pieces ofgold lay scattered about the creek bed.

On June 2, 1935, Babe Ruth, one ofthe greatest players in the history ofbaseball, ends his Major League playingcareer after 22 seasons, 10 World Seriesand 714 home runs. The following year,Ruth was one of the first five playersinducted into the sport's hall of fame

On June 8, 1945, President HarryTruman issues Executive Order 9568,permitting the release of scientificinformation from previously top-secretWorld War II documents. ExecutiveOrder 9568 was a stepping stone tofuture transparency-oriented legislation,including the Freedom of InformationAct, passed in 1966.

Moments In TimeGold In The Klondike River?

June 6, 2014—Seniors Today—Page B-3

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mscise pr Exer

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by Matilda Charles

The British Medical Journalhas reported some findingsthat will cheer quite a num-ber of seniors: We don't nec-

essarily have to do long, strenuousworkouts to lower our risk of becom-ing disabled.

During the two-year study, 1,680participants ages 49 to 83 in Mary-land, Ohio, Pennsylvania, and RhodeIsland wore accelerometers to mea-sure the intensity and duration of theirdaily living activities. Key activitiesincluded cooking, grocery shopping,making phone calls, walking acrossthe room, bathing, and simply gettingdressed daily.

All of the participants were free ofdisability but were either at risk forknee osteoarthritis or already had it.

The outcome showed that the moretime spent in light-intensity activi-ties, the lower the association withdisability, as well as reduced progres-sion of existing disability. It appearsthat the crucial factor is the amountof time spent in activities, not the inten-sity of an activity. So spending more

time during the day simply movingyour body may reduce disability.

Granted, previous research indicatedthat 21⁄2 hours a week of moderate tovigorous activity can reduce disability,but some of us just aren't able to han-dle moderate exercise, much less vig-orous exercise.

So, just how long do we need toengage in light activities to give usthe edge in lowering our disability risk?That depends on how far you want toreduce your risk. Spending four hoursa day will reduce your risk 43 percent.The more minutes, the greater the re-duction in risk.

Even light housework each day orgetting up during TV commercials cancut your risk of becoming disabled byosteoarthritis. All you have to do iskeep moving!

Matilda Charles regrets that shecannot personally answer reader ques-tions, but will incorporate them intoher column whenever possible. Send e-mail to [email protected]

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by Sam Mazzotta

Dear Paw’s Corner: My veterinar-ian says I have to give both my dog andmy cat heartworm medication everymonth. Why? It sounds like a money-making scheme for the vet and thepharmaceutical industry.

—Gary in CincinnatiDear Gary: It's not a moneymaking

scheme. Trust me, you do not want yourpets to suffer from the complicationsthat heartworm infestation can cause.

Heartworm in dogs is often fatal, andwhile cats are less likely to die from it,they too suffer problems due to the dam-age caused by the worms as they travelthrough blood vessels and organs. Hun-dreds of worms can live in a dog'sblood vessels—ultimately travelingto the chambers of the heart—for aslong as seven years.

It's also somewhat easy for untreateddogs and cats to become infested withheartworm. The parasite is carried bymosquitoes and can be passed alongwhen the mosquito bites your pet. Petsare at highest risk in the summer,—atprime time for mosquitoes.

Give your pets their heartworm med-ication at the recommended dose fortheir breed and size, or as specified bythe vet. Most heartworm medicines mustbe given once a month.

For pet owners whose dog has neverbeen tested for heartworm, get this testat the vet's office before starting treat-ment for heartworm. If the dog alreadyhas heartworm, the vet will need totreat it in a different way to preventproblems.

Send your questions or commentsto [email protected]

Pet CareHeartworm In Dogs

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Rep. Jeff Miller, R-Fla.,chairman of the HouseCommittee on VeteransAffairs, has called for a

complete investigation into the traves-ty of the 40 veterans who died whileawaiting care at the Department ofVeterans Affairs medical center inPhoenix. In his statement, Miller wroteof the “growing pattern of preventableveteran deaths and patient safety inci-dents at VA medical centers across thecountry,” and specifically mentionsAtlanta; Columbia; Augusta; Pitts-burgh; and Memphis.

A week later, Miller wrote directlyto VA chief Eric Shinseki about thedelay in preserving evidence of secretwait lists at the Phoenix VA. He citedseveral witnesses to the fact that paperlists were shredded, and he hadrequested more specific informationabout the who, what and when of it.He got nada—even though he'd madea request for the preservation of thedocuments as far back as April 9. It turnsout the VA's general counsel hadn'tpassed along the request for eight days... plenty of time to shred documents.

Miller is someone to watch. A fewmonths ago, he launched a programcalled the VA Honesty Project, whichis “designed to highlight the Depart-ment of Veterans Affairs' lack of trans-parency with the press, and by extension,with the public.” He pointed out thatthe VA has 54 full-time employees whoare tasked with handling media requests... or ignoring them, as the case may be.

Miller's project documents 70 casesso far in which the VA failed to respondto questions, saying that the VA's“media avoidance strategy can't beanything other than intentional.” TheVeterans committee itself has beenwaiting on more than 100 informationrequests dating back to 2012.

To view the evidence, see: http://veterans.house.gov/VAHonestyProject

Freddy Groves regrets that he can-not personally answer reader questions,but will incorporate them into his col-umn whenever possible. Send e-mail [email protected]

Veteran’s PostVA Stonewalls Congress

Caregiver’s Day Out may be theAnswer!

• Thursday, Jun. 12 • 9 am–2 pm• Saturday, Jul. 12 • 9 am–2 pm• Thursday, Aug. 14 • 9 am–2 pm

Care receivers can expect smiling faces, a safe environment, a light meal, and fun activities. Care givers can expect 5 hours of free time... and there’s absolutely NO COST!

Interested? Contact Sherry McElveen 386-677-3581, ext. 311

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The voice behind the “Excellence In Broadcasting”

Golden MicrophoneTune in to WNDB 1150

weekdays NOON to 3 P.M.or listen live on the Internet at

www.newsdaytonabeach.comFor sales and advertising information,

please call Mike Moltane, General SalesManager at 386-944-7744 or

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RushLimbaugh

King’s CrosswordA

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Pa

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B-7

ACROSS1 Boar's mate

4 Deteriorate

7 Blender setting

12 N.A. section

13 GI's mail address

14 Game venue

15 Transgression

16 Precursor

18 Coop dweller

19 Calamari

20 Mideast nation

22 Sailors' org.

23 Existed

27 Handle

29 Alluring quality (Var.)

31 Nome dome home

34 Duck

35 Escargots

37 Strike

38 Hybrid pooch

39 ___ Baba

41 Region

45 Production number?

47 Japanese pond carp

48 Snack for Wimpy

52 Tractor-trailer

53 Pong creator

54 “Rocks”

55 Tray contents?

56 Knapsack part

57 Dance syllable?

58 Prepared

DOWN1 Futomaki, e.g.

2 Wickerwork willow3 Would like to, colloquially4 Bleacherites' calls5 Not transparent6 Doughnut shape7 Picked up the tab8 Grecian vessel9 Rule, for short

10 Away from WSW11 Corn spike17 Bob's longtime pal

21 Ring used in a throwing game

23 Matilda's dance

24 Flightless bird

25 Scepter

26 Before

28 Scale member

30 Wahine's accessory

31 Doctrine

32 Wildebeest

33 Long. crosser

36 Dino's tail?

37 Full of modern gadgetry

40 Reason

42 Gumbo ingredients

43 Din

44 Two-by-four?

45 Witticism

46 Vicinity

48 Owns

49 Lawyer (Abbr.)

50 Scratch

51 Underwear with underwire


Crossword PuzzleOn Page B-6

• Cataract Surgery With Laser And Premium Lens Implant Options• Eyelid Surgery ● Glaucoma Treatment ● Diabetic Eye Care• Comprehensive Eye Exam ● Optical And Contact Lens Services

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Premier Eye Clinic Welcomes Dr. Ashley Royce

Q. Jocelyn Ge, M.D., Ph.D. Board Certified Ophthalmologist

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Dr. Royce is residency-trained in thetreatment of eye diseases and certifiedby the National Board of Examiners inOptometry. She has more than six years’experience in comprehensive eye care,post-operative surgical care, dry eyetreatment, and therapeutic and tradi-tional contact lenses.

Ashley Royce, O.D.Doctor of Optometry

Accept Medicare And Most Health Insurances

Great Doctors… With Over Three Decades Of Experience

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Accepting New

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Craig A. Miller, DOBoard CertifiedFamily Practice

Erica O’Donnell, DOBoard CertifiedFamily Practice

1400 Hand Avenue Suite K • Ormond Beach Call For Appointments 386- 673-0517

Port Orange Nursing & Rehab

5600 Victoria GardensBlvd., Port Orange

386-760-7773

Voted Best Rehab 10 Consecutive Years10

Years

Call Tammy or Christine for a friendly tour.

by JoAnn Derson

Great ways to remove stuck labels:nail polish remover (NOT for use onplastics), WD-40 oil, soaking in hotwater, rubbing alcohol.

“Do you love burgers? Here's a greatthing our family does that saves moneyand is very handy: When ground beefgoes on sale, we buy a large quantity andpremake many burger patties, seasonedand shaped just as we like them. Thenwe separate them with butcher's papercut into squares. We put them in stacks,and then into empty bread bags to storein the freezer. When we are getting readyto cook out, the patties don't have to beall the way defrosted, just put on thegrill and cooked up!”

— A.J. in Florida

“It's easy to make custom art for yourwalls. If you find an image you like orhave a great digital photo, simply takeit to a copy shop and have it printed ina large format. Then you can frame itand hang it on your wall.”

—A.F. in Mississippi

“When shopping for printers thesedays, make sure you take a peek at thecost of replacement ink cartridges. Someare more expensive than others, andyour use could make a printer that lookslike a great deal, a not-so-great deal.Be sure to do your homework!”

—W.L. in Washington

Send your tips to Now Here's a Tip,c/o King Features Weekly Service, P.O.Box 536475, Orlando, FL 32853-6475or e-mail [email protected]

Here’s An Idea

Bag Burgers Ahead

Documents

June 6, 2014 issue 570