Living Well 60+ January-February 2014
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A RESOURCE GUIDE FOR YOUR GENERATION<br />
<strong>Living</strong><br />
W ell<br />
JAN. / FEB. <strong>2014</strong><br />
VOL. 9 ISSUE 6<br />
50 Plus<br />
ENTERTAINMENT • HEALTH • BARGAINS • LIFESTYLE<br />
Classic<br />
CARS OF CUBA<br />
VINTAGE CARS STILL RAMBLE ON<br />
ISLAND NATION’S ROADS<br />
also inside<br />
Audubon Society<br />
Flock Together<br />
Winter Dreams of<br />
Spring Gardens<br />
Bikes on Grand<br />
Mackinac Island
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4 JAN/FEB 2 0 1 4<br />
Contents<br />
Jan./Feb. <strong>2014</strong><br />
Birdwatchers Flock Together<br />
Winter Dreams of Spring Gardens<br />
The Best Friends Approach to Dimentia Care<br />
FOOD DUDE<br />
Coq au Vin Makes an Elegant, Hearty Winter Dish<br />
Aging with Asthma<br />
TRAVEL<br />
Break out the Bikes<br />
Cars are not allowed on Grand Mackinac Island<br />
Winter Safety Reminders<br />
It Isn’t Too Late to Save for Retirement<br />
Calendar<br />
<strong>Living</strong><strong>Well</strong>50+ is now DIGITAL:<br />
Senior Services Directory<br />
The Bourbon Trail Leads All to Kentucky<br />
Late Life Success<br />
A Salute to Col. Sanders<br />
Cafe and Museum Showcase Birthplace of KFC<br />
50 YEARS AGO…<br />
Beatles Appeared on Ed Sullivan Show<br />
Through the Eye of the Artist<br />
Understanding Your Credit Score<br />
PERSON OF INTEREST<br />
Charisse Gillett<br />
FROM THE<br />
COVER<br />
PAGE 13<br />
<strong>Living</strong> <strong>Well</strong> 50+ is<br />
a proud product of<br />
Classic<br />
CARS OF CUBA<br />
WRITERS<br />
STAFF WRITERS:<br />
Angela S. Hoover<br />
Frank Kourt<br />
Jamie Lober<br />
Abby Malik<br />
Thomas W. Miller Ph.D. ABPP<br />
Sandra W. Plant<br />
Jan Ross<br />
Martha Evans Sparks<br />
Guest Article Provided by<br />
Chrysantha Clark, CFP, Keystone Financial<br />
STAFF<br />
Tanya Tyler<br />
editor/staff writer<br />
John Brokamp<br />
publisher<br />
Janet Roy<br />
director of creative services<br />
Brian Lord<br />
sales manager<br />
Kim Blackburn<br />
sales representative<br />
John Hoffeld<br />
sales representative<br />
FROM THE<br />
EDITOR<br />
Dear Friends,<br />
It’s <strong>2014</strong>! What are you<br />
planning to do with this new<br />
year?<br />
A Facebook friend posted<br />
an article that encouraged<br />
adopting a theme for the new year, rather than<br />
making resolutions. “The theme should be a word<br />
that resonates with you and embodies something<br />
that has been missing from your daily life,” the article<br />
Tanya Tyler • tanya@samplerpublications.com<br />
said. “Instead of defining specific behaviors that you<br />
want to do [like losing weight or quitting smoking],<br />
simply keep your theme in mind and allow your days<br />
to unfold from there.”<br />
I like that idea. I’m going to choose “quirkiness” as<br />
my theme for <strong>2014</strong>. This will encourage me to do<br />
things I might not normally do, such as participating<br />
in one of those 5K races where they throw “color<br />
bombs” at you. Or going to a music concert by a<br />
group I’ve never heard of. Or trying a restaurant that<br />
features food I’ve not eaten before. It will definitely<br />
include traveling to places I’ve never been but have<br />
long wanted to visit. (Vienna, anyone?) It might even<br />
mean finally going skydiving – something that’s been<br />
on my bucket list for a few years now.<br />
Whatever theme you choose for <strong>2014</strong>, make sure it<br />
enhances your overall goal of <strong>Living</strong> <strong>Well</strong> 50 Plus.<br />
Live life like you mean it!<br />
Tanya
JAN/FEB 2 0 1 4<br />
5<br />
Members of the Audubon Society of Kentucky go on a bird walk<br />
at The Arboretum in Lexington. Photo credit: David Lang.<br />
Birdwatchers Flock Together<br />
Audubon Society of Kentucky welcomes<br />
novice birders<br />
by Abby Malik, Staff Writer<br />
Even when leaves fall from the trees<br />
and temperatures drop below freezing,<br />
nature is still happening all<br />
around us. The Audubon Society<br />
of Kentucky (ASK) provides those<br />
who have a desire to get outdoors<br />
any time of year the opportunity to<br />
explore Central Kentucky’s diverse<br />
bird community, whether you’re<br />
a bird expert, a casual observer<br />
or just starting out as a nature<br />
explorer.<br />
ASK, which is not affiliated with<br />
the National Audubon Society,<br />
organizes bird-watching field trips<br />
throughout the Bluegrass region<br />
that are open to all age groups;<br />
membership in ASK isn’t required.<br />
David Lang, co-secretary of the<br />
organization, says ASK has a membership<br />
of around 70 nature lovers.<br />
“We have a lot of retirees and older<br />
people in the group,” Lang said.<br />
They are also joined by young<br />
professionals, college students and<br />
middle agers.<br />
The group bird walks take place in<br />
diverse areas such as the Lexington<br />
Cemetery, Shaker Village in<br />
Harrodsburg, Minor Clark Fish<br />
Hatchery and Cave Run Lake near<br />
Morehead, Maine Chance Farm in<br />
Lexington and several others. The<br />
group has even traveled as far as<br />
Cumberland Falls State Park on its<br />
expeditions.<br />
Lang says exploring different locations<br />
is important for successful<br />
bird searches.<br />
“Habitat is the key for finding<br />
different species of birds, thus we<br />
offer the range of locations to include<br />
as many habitats as possible,”<br />
he said.<br />
The outings are a wonderful way<br />
for older adults to meet other<br />
people, spend time in nature, visit<br />
different areas of the state and, of<br />
course, learn about Kentucky’s<br />
birds. Nearly all of the bird walks<br />
and other activities, which include<br />
bird-seed sales and potluck dinners,<br />
are scheduled on weekends,<br />
making participation easy for those<br />
who are busy during the week.<br />
If you’re interested in going on an<br />
ASK outings, you don’t have worry<br />
that your bird education isn’t up<br />
to par. In fact, Lang said, “We love<br />
novice birders. For those of us that<br />
hardly ever see anything new, it is<br />
great to see other people experience<br />
seeing new species for the first<br />
time. It makes us appreciate these<br />
‘old friends’ with fresh eyes.”<br />
Lang offers assurance for those<br />
who think they might not be mobile<br />
enough to join ASK’s outdoor<br />
adventures.<br />
“Birders typically do not move at<br />
a very fast pace,” he said. “We are<br />
always stopping to look at stuff, not<br />
just birds.”<br />
During nature walks, a group, usually<br />
averaging around a dozen participants,<br />
typically covers not more<br />
than a couple of miles on foot, and<br />
everyone goes at their own pace.<br />
The walks, Lang says, are as much<br />
about socializing as they are about<br />
the nature experience.<br />
Walk participants should bring<br />
along some type of magnification,<br />
preferably binoculars, but a camera<br />
with a large zoom will also do. For<br />
those who don’t own binoculars,<br />
ASK group members have extra<br />
pairs. A bird guidebook is also a<br />
good item to have on hand.<br />
THIS IS MY LEGACY.<br />
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MAKING A DECISION<br />
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• Family-style meal service<br />
• A secured outdoor courtyard that<br />
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• Monthly Alzheimer’s/dementia<br />
support groups for family<br />
members<br />
ASK has several bird walks and<br />
other events scheduled from<br />
<strong>January</strong> through March. Details<br />
are available at www.audubonsocietyofky.org<br />
under the “Activities”<br />
tab. While membership is not<br />
required to participate in ASK<br />
nature walks, those interested in<br />
joining can visit the website for a<br />
membership form. Membership<br />
dues are $10 for an individual and<br />
$15 for a family.<br />
The walks are<br />
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socializing as<br />
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y Frank Kourt,<br />
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Despite the wintry<br />
breezes, icy bushes<br />
and the cold, hard<br />
ground that dominate these days,<br />
we gardeners can dream … can’t<br />
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Sure, we’re dealing with a frozen<br />
landscape, but this is the time<br />
of year that most of us get those<br />
glorious gardening catalogues in<br />
the mail, promising us the wonders<br />
that will bloom in spring.<br />
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JAN/FEB 2 0 1 4<br />
Winter Dreams of Spring Gardens<br />
While awaiting thaw, perusing gardening catalogues<br />
can be therapeutic and inspiring<br />
mistakes, miscalculations and outright<br />
disasters may have occurred<br />
last growing season, we gardeners<br />
can take a page from the book<br />
of legendary die-hard Chicago<br />
Cubs fans and chant their mantra:<br />
“There’s always next year!”<br />
Thus, perusing the many catalogues<br />
that are likely to be stuffing<br />
our mailboxes this time of year<br />
can be not only be a therapeutic<br />
form of escapism, but can actually<br />
benefit our future gardening<br />
endeavors.<br />
I always look for varieties of either<br />
vegetables or plants that have been<br />
improved over time. Good examples<br />
of this are newly developed<br />
bush varieties of things such as<br />
squash plants that take up so much<br />
less space in our plots than did<br />
their old-fashioned vining cousins.<br />
You should also look for varieties<br />
of plants that have been improved<br />
in the areas of disease resistance<br />
and hardiness to weather conditions.<br />
There are plants that we can<br />
grow as perennials in our particular<br />
climatic zone these days that could<br />
never have thrived here years ago.<br />
For my money, one of the most<br />
remarkable developments in plant<br />
improvement is the Knockout<br />
rose, which has given us a plant<br />
that not only blooms throughout<br />
the entire growing season but<br />
doesn’t need deadheading and is<br />
disease-resistant and hardy as well.<br />
Speaking of Knockout roses, if<br />
7<br />
you’re contemplating putting some<br />
in come spring, consider planting<br />
three separate bushes relatively<br />
closely to each other so that they<br />
grow together to make an impressive<br />
display.<br />
This “planting in threes” technique<br />
of landscaping is something I first<br />
noticed after moving to Kentucky,<br />
and it’s a great one. When we<br />
bought our property here nearly a<br />
decade ago, we found the landscapers<br />
had planted our burning<br />
bushes in clumps of three on various<br />
spots on the lawn. The result<br />
is a spectacular display of crimson<br />
each fall.<br />
By looking through gardening<br />
catalogues, you can study the available<br />
plants and their properties,<br />
such as height, length of growing<br />
season, need for sun and other<br />
qualities that will help you decide<br />
if you want them and what the<br />
optimal location will be when it<br />
comes time to plant them.<br />
One of the great things about<br />
ordering from many of these<br />
catalogues is that you don’t have to<br />
worry about having your merchandise<br />
arrive too early for planting<br />
in your climate. Many of these<br />
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So don’t let the snow, ice and north<br />
winds deter you from dreaming<br />
about the gardening season to<br />
come. Open up those catalogues<br />
and start planning for spring.<br />
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8 JAN/FEB 2 0 1 4<br />
mental ability, this loss is not all<br />
that defines him or her, Bell said.<br />
“We are dealing with an adult<br />
who has had a rich life experience<br />
and still has a lot of skills<br />
underneath the dementia,” she<br />
said. “A person with dementia is<br />
very perceptive about not being<br />
valued, not being respected. It is<br />
just amazing to me what a person<br />
still perceives even though they<br />
have lost a lot in some areas.”<br />
The Best Friends Approach<br />
Pioneers Dementia Care<br />
Learning and caring about participants make a big difference<br />
by Martha Evans<br />
Sparks,<br />
Staff Writer<br />
Best Friends, a<br />
pioneering method<br />
for dealing with people with<br />
Alzheimer’s and other types of<br />
dementia, is showing great success.<br />
“The Best Friends approach has<br />
really gone around the world,”<br />
said Virginia Bell, the Lexington<br />
social worker who began it. She<br />
believes the reason it has prospered<br />
is simple: It works.<br />
The Best Friends concept occurred<br />
to Bell 30 years ago when,<br />
at the age of 60, she went back<br />
to school at the University of<br />
Kentucky to get a master’s degree<br />
in social work. She was hired<br />
as the first family counselor at<br />
UK’s Sanders-Brown Center on<br />
Aging. In working with persons<br />
with dementia, Bell was surprised<br />
to learn that the more she knew<br />
about them, the better she got<br />
along with them.<br />
The medical professionals at<br />
Sanders-Brown at the time did<br />
not immediately think the Best<br />
Friends approach would work. Especially<br />
they did not think volunteers<br />
could manage persons with<br />
dementia. That opinion – and the<br />
language – have both changed.<br />
The term is no longer “caregiver”<br />
but “care partner.” It’s no longer<br />
“day care”; participants (not “patients”)<br />
attend a “day center.”<br />
“‘Day care’ sounds too much like<br />
child care,” Bell said. “We want<br />
it to be far removed from child<br />
care.”<br />
The newer approach is about<br />
being the person’s friend. “It’s<br />
amazing what a difference it<br />
makes,” Bell said. “We try to find<br />
out as many things as we can<br />
about the person.” Care partners<br />
use the information gleaned to<br />
let the participant know they are<br />
interested in him and care about<br />
what he did and who he is.<br />
The principle applied with Best<br />
Friends is remembering that,<br />
while the person has lost some<br />
One program that utilizes Best<br />
Friends is The Christian Care<br />
Community with Best Friends,<br />
located at Second Presbyterian<br />
Church on East Main Street in<br />
Lexington. Some participants<br />
come just one afternoon a week<br />
to give care partners some respite<br />
time. The family member is better<br />
off because of the socialization<br />
with people who know about<br />
his or her life story and care<br />
about him or her. Families, for<br />
their part, learn not to argue or<br />
confront a person with dementia<br />
and to understand that their<br />
family member does not like to<br />
always be on the receiving end of<br />
everything with no choice about<br />
anything.<br />
Early in <strong>2014</strong>, Best Friends, still<br />
under the umbrella organization<br />
of Christian Care Communities,<br />
will move to a new, larger<br />
building in Brannon Crossing.<br />
Although Second Presbyterian<br />
has provided a happy home all<br />
these years, the facility is now<br />
bursting at the seams, with a<br />
waiting list. Other Christian Care<br />
Communities using the Best<br />
Friends approach are in Bowling<br />
Green, Corbin, Louisville and<br />
other places in Kentucky.<br />
Bell says several big nursing<br />
home chains are switching to the<br />
Best Friends approach, where<br />
every staffer knows the preferred<br />
name of every patient. “It is such<br />
a simple thing, but it makes such<br />
a difference. If the patients are<br />
happier, it is better for the staff,<br />
families, patients, everybody,” she<br />
said.<br />
Now 91, Bell doesn’t take credit<br />
for the change in focus in caring
JAN/FEB 2 0 1 4<br />
9<br />
We are dealing with an adult who has<br />
had a rich life experience and still has a<br />
lot of skills underneath the dementia.”<br />
—Virginia Bell, co-author, Best Friends Approach to<br />
Alzheimer’s Care<br />
for people with dementia. “This<br />
has taken all of us,” she said. “I<br />
had the idea more than 30 years<br />
ago. But an idea cannot go anywhere<br />
without everyone. It has<br />
taken volunteers, families, professional<br />
staff.”<br />
Bell and David Troxel, who was<br />
formerly with the Alzheimer’s<br />
Disease Research Center at Sanders-Brown,<br />
published the first of<br />
their five coauthored books in<br />
1996. The second edition of their<br />
first book, Best Friends Approach<br />
to Alzheimer’s Care, is now available<br />
in seven languages.<br />
Best Friends always needs volunteers.<br />
Each volunteer receives 16<br />
hours of training before starting,<br />
plus one hour of continuing<br />
education every month. Training<br />
sessions are held twice a year.<br />
Anyone who is interested in<br />
volunteering is encouraged to<br />
visit Best Friends and sit in with<br />
another volunteer. To become<br />
a volunteer, call Bobby Potts at<br />
(859) 258-2226. Learn more<br />
about Best Friends at www.bestfriendsapproach.com.<br />
P<br />
ILATES<br />
PLACE<br />
PILATES<br />
PLACE<br />
Dementia Bill of Rights<br />
Every person diagnosed with<br />
Alzheimer’s disease or other<br />
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• To be with individuals<br />
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• To experience meaningful<br />
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• To live in a safe and<br />
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• To be outdoors on a<br />
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• To be free from<br />
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• To have welcomed<br />
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• To be an advocate for<br />
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1 0 JAN/FEB 2 0 1 4<br />
Coq au Vin Makes an Elegant, Hearty Winter Dish<br />
Break some conventional culinary rules with this French classic<br />
Cooks who are looking for an<br />
elegant yet earthy and hearty dish<br />
for winter cooking need look no<br />
further than the classic French<br />
provincial dish, coq au vin.<br />
Coq au vin literally means “chicken with<br />
wine.” It is a close cousin to that other<br />
French bistro dish, boeuf bourguignon, or<br />
“beef in burgundy.” Coq au vin breaks some<br />
conventional culinary rules by marrying<br />
chicken with a robust red wine.<br />
Indeed, coq au vin and boeuf bourguignon<br />
are so close that in concocting my personal<br />
coq au vin recipe over the years, I find it’s<br />
virtually the same as my beef dish, with the<br />
obvious substitution of chicken for the beef.<br />
You’re certain to find many variations of<br />
coq au vin. Many will not include carrots. In<br />
some there will be a dash or two of cognac;<br />
others will add celery; and the spices<br />
will vary widely. Most coq au vin recipes<br />
have onions, garlic, mushrooms, bacon, a<br />
number of spices and, of course, chicken<br />
and wine. There’s even a variation called coq<br />
au vin blanc, in which a white wine is used.<br />
food<br />
dude<br />
Frank<br />
Kourt<br />
the<br />
The variations are understandable, since<br />
the French housewives who first made it<br />
were apt to use the ingredients they had on<br />
hand. Any salt pork today? If not, substitute<br />
bacon. If there are three or four carrots to be<br />
had, so much the better. If not, skip them.<br />
The important thing to keep in mind is to<br />
use fresh ingredients. Equally important is<br />
the slow cooking that allows the flavors of<br />
this wonderful dish to marry. (Some people<br />
make coq au vin, refrigerate it and heat and<br />
serve it the next day in order to give this<br />
marrying of flavors a better chance to take<br />
place).<br />
When making coq au vin, make sure you<br />
use a drinkable full-bodied red wine, such<br />
as burgundy, and plan to drink the same<br />
vintage with your meal. A good rule is never<br />
to cook with a wine you wouldn’t drink –<br />
and never use those salt-enhanced “cooking<br />
wines” that are sold in grocery stores.<br />
Serve your coq au vin with rice or noodles<br />
and accompany it with a good, crusty bread.<br />
A simple salad completes a full meal. In<br />
addition to being an elegant dinner, a good<br />
coq au vin warms body and spirit on a cold,<br />
frosty night.<br />
Coq Au Vin<br />
• 3 lbs. chicken pieces<br />
• Salt and pepper<br />
• Flour<br />
• 1/4 cup butter or margarine<br />
• 1/4 cup olive oil<br />
• 8 slices of bacon, chopped<br />
• 2 cloves garlic, minced<br />
• 2 large onions, chopped<br />
• 3-4 large carrots, peeled and cut<br />
into 1-inch pieces<br />
• 1/4 cup chopped fresh parsley<br />
• 2 cups burgundy wine<br />
• 1/2 lb. fresh mushrooms, sliced<br />
• 1/2 bag frozen pearl onions<br />
• 2 bay leaves<br />
• 1/2 tsp. each thyme, rosemary,<br />
marjoram<br />
Heat the butter and oil in a large frying<br />
pan. Salt and pepper the chicken, coat<br />
with flour and sauté the pieces until<br />
golden, then place in an oven-proof<br />
casserole. Pour off the liquid from the<br />
skillet and sauté the bacon until the fat<br />
is rendered. Remove the bacon and set<br />
aside. Pour off all but about a tablespoon<br />
of the fat. Add the onion, garlic, carrot,<br />
and parsley and sauté until the onion<br />
starts to turn golden. Arrange the<br />
contents of the pan over the chicken.<br />
Add the herbs and spices and pour the<br />
wine over all. Cover the casserole and<br />
bake in a 325-degree oven for one hour.<br />
While the chicken is cooking, sauté the<br />
pearl onions and mushrooms in a little<br />
butter until the onions begin to turn<br />
golden. Drain and add to the casserole.<br />
Cook for another 10-15 minutes, or<br />
until the chicken is tender. Skim any fat<br />
off the top of the dish before serving.<br />
A good coq au<br />
vin warms body<br />
and spirit on<br />
a cold, frosty<br />
night.
Aging With Asthma<br />
JAN/FEB 2 0 1 4<br />
Though there’s no cure, it’s possible to<br />
live well with the condition<br />
by Jamie Lober, Staff Writer<br />
Asthma is a condition that<br />
changes during different ages and<br />
stages of your life.<br />
“Usually it is recognized early<br />
in children because they have<br />
allergic components, like watery<br />
eyes, runny nose and persistent<br />
chest colds, whereas in adults it<br />
is manifested differently,” said<br />
Kurt Hohenecker, who works in<br />
respiratory care at Central Baptist<br />
Hospital in Lexington.<br />
Some people are more susceptible<br />
to asthma than others. “Sometimes<br />
people are so sensitive that<br />
strong fumes like colognes can set<br />
their breathing problems off and<br />
set asthma into overdrive,” said<br />
Hohenecker.<br />
By understanding what is happening,<br />
you can get a better<br />
grasp of just what asthma is and<br />
what it does. “The body releases<br />
histamines in response to allergic<br />
components,” said Hohenecker.<br />
“Sometimes the patient will inhale<br />
cold air, and the airways are sensitive,<br />
which causes bronchospasms.<br />
Or nothing may set it off and it<br />
just happens.”<br />
Diagnosing asthma can be<br />
complex; it involves a physical<br />
exam and a checking of breathing<br />
sounds. “The physician would<br />
want to do spirometry testing,”<br />
said Hohenecker. “It involves the<br />
patient blowing out as hard and<br />
fast as they can [into a] device<br />
[that] measures airway obstruction,<br />
which is how much of the<br />
airways are collapsing due to<br />
allergic components.”<br />
As with any condition, some<br />
people do better with asthma than<br />
others. “A lot depends on how severe<br />
your attacks are and how well<br />
you do with the regimen,” said<br />
Hohenecker. “For some people it<br />
does not get them down, and others<br />
it seems to wipe out.”<br />
There is no surefire prevention for<br />
asthma, but some tips work for all<br />
ages. “Be aware of your surroundings,”<br />
said Hohenecker. “You<br />
might have something setting off<br />
your asthma, like in spring when<br />
things are in bloom or in winter<br />
where you forget to change the<br />
furnace filters often enough and<br />
there is dust in your home.”<br />
Some new medications are now<br />
available to treat asthma. “There<br />
are some pill-form medications<br />
that a patient can take now,” said<br />
1 1<br />
Hohenecker. “There is always<br />
a new blood thinner or cholesterol<br />
medication coming out, but<br />
asthma seems to lag behind all the<br />
time.”<br />
People need to know that asthma<br />
can become more severe at any<br />
time, which makes it critical to<br />
take medications as they are<br />
prescribed. “If you cannot afford<br />
them as prescribed, you need to<br />
check into some of the programs<br />
that a lot of companies have where<br />
there are medications at a reduced<br />
fee,” said Hohenecker.<br />
Asthma is a lifelong challenge.<br />
“As you get older, you become<br />
less sensitized and do better as<br />
an adult,” said Hohenecker. To<br />
combat asthma, adults use rescue<br />
inhalers and some type of maintenance<br />
inhaler, such as corticosteroid.<br />
While it can be hard work, it<br />
is possible to live well even with<br />
asthma.<br />
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1 2 JAN/FEB 2 0 1 4<br />
TRAVEL<br />
Break Out the Bikes<br />
Cars are not allowed on Grand Mackinac<br />
Island<br />
This is one of the few places<br />
in the world where the only<br />
transportation allowed is by<br />
bike, horses or foot.<br />
by Jan Ross,<br />
Staff Writer<br />
The first thing<br />
you need to know<br />
about friendly little<br />
Mackinac Island is that no matter<br />
whether you spell it Mackinac or<br />
Mackinaw, it is pronounced with<br />
an “awe” at the end, not an “ack.”<br />
Blame the British, the French<br />
or the local Native Americans<br />
who called the island Michinnimakinong,<br />
which the British and<br />
French of course immediately<br />
shortened to Mackinac (British)<br />
or Mackinaw (French). But<br />
however it is spelled, it is still<br />
pronounced Mackinaw.<br />
There are only two ways to get<br />
to Mackinac Island, which is<br />
perched comfortably in the<br />
middle of expansive Lake Michigan,<br />
and neither involves driving<br />
because there are no bridges to<br />
the island. And even if there were,<br />
cars are not allowed anywhere<br />
on the island. This is one of the<br />
few places in the world where the<br />
only transportation allowed is by<br />
bike, horses or foot. This makes<br />
Mackinac one of the most pleasant<br />
places you can imagine. You<br />
can arrive by ferry, cruise line or<br />
plane – there is a small airport on<br />
the island.<br />
You step off that ship or plane<br />
and arrive at a place where the<br />
pace of life slows down and your<br />
only decision will be choosing<br />
the best way to leisurely find you<br />
way around the island. Take a<br />
bike ride along the seven-mile<br />
trail that is placed right beside<br />
the lake – an absolutely gorgeous<br />
and scenic way to get some<br />
exercise – and then bike around<br />
the small downtown area, at least<br />
long enough to pop into one<br />
of the many fudge shops – you<br />
can afford it after you burned all<br />
those calories.<br />
If you prefer to be chauffeured<br />
around the island, book a tour<br />
with Mackinac Island Carriage<br />
Tours and relax as the horses do<br />
all the work. You’ll see historic<br />
Fort Mackinac and Mackinac<br />
Island State Park, two locations<br />
with beautiful butterflies, and the<br />
incredible Grand Hotel.<br />
Leave plenty of time to see the<br />
Grand Hotel. Made famous by<br />
the movie Somewhere in Time,<br />
it is a sprawling resort located<br />
high atop the island with an<br />
amazing view of the lake. If you<br />
are not staying at the hotel, be<br />
prepared to pay for the privilege<br />
of strolling around inside the<br />
Grand: The proprietors prefer<br />
not to have hundreds<br />
of tourists milling<br />
about and disturbing<br />
their guests. That is<br />
entirely reasonable.<br />
We were on a<br />
weeklong cruise of<br />
the lake with Blount<br />
Small Ship Adventures,<br />
and we were<br />
lucky enough to be<br />
invited for lunch and<br />
a tour of the hotel<br />
as members of the<br />
press. We took full<br />
advantage of the<br />
invitation, sampling<br />
as much of the great<br />
array of food available<br />
as possible, then<br />
enjoying our tour as<br />
we tried to figure out just which<br />
parts of the hotel had been featured<br />
in the movie.<br />
The Fourth of July was the perfect<br />
time to visit the island. We<br />
enjoyed fireworks from the deck<br />
of our cruise ship and made plans<br />
to return as soon as possible to<br />
this idyllic location.
JAN/FEB 2 0 1 4<br />
1 3<br />
See Classics Up<br />
Close in Kentucky<br />
In the United States, many<br />
people think a 10-year-old car is<br />
old. That’s usually the age when<br />
we start thinking about trading<br />
it in and getting a new car.<br />
Don Battles, 64, of Kirksville,<br />
said, “Classic cars represent an<br />
era when we were young. They<br />
bring back moments in our lives<br />
when the world was young, safe<br />
and happy.”<br />
Classic Cars of Cuba<br />
Vintage cars still ramble on island nation’s roads<br />
by Sandra W. Plant, Staff Writer<br />
Visiting Cuba is like going to a<br />
classic car show. The streets and<br />
highways are filled with vintage<br />
cars that bring back fond memories<br />
to those who loved the cars<br />
that took us on first dates or<br />
circled the drive-in restaurants<br />
back in the 1950s and early 1960s.<br />
With its wide streets and everyone<br />
on the go, Cuba’s capital city<br />
of Havana is filled with beautiful<br />
Detroit-made cars that date<br />
back 55 years or more. It is not<br />
uncommon to see a sleek 1953<br />
Buick Roadmaster used as a taxi to<br />
transport delighted tourists.<br />
Outside the former Presidential<br />
Palace in Havana, the taxis that<br />
line the plaza waiting for a fare are<br />
an amazing array of American cars<br />
of the past. They would be worth<br />
a fortune if they could be shipped<br />
to the United States. But a U.S.<br />
embargo on trade with Cuba, in<br />
place since the Cuban revolution<br />
of 1959, has stopped two-way<br />
trade. Nevertheless, these cars are<br />
a magnet for tourists, especially<br />
senior citizens who can’t seem to<br />
snap enough photos. Very few of<br />
the classic cars are factory original,<br />
but they are still beautiful on the<br />
outside.<br />
Vintage cars such as 1955 Fords or<br />
1957 Chevrolets are not limited<br />
to Havana. They are also seen in<br />
cities such Cienfuegos or Trinidad<br />
de Cuba. You might even see a<br />
Studebaker or an Edsel that has<br />
been preserved in time.<br />
The newer cars in Cuba are largely<br />
from China or Russia. A few<br />
Japanese cars are now appearing<br />
on Cuban roadways; they have<br />
reached Cuba through countries<br />
friendly to the Castro regime.<br />
A-near perfect 1953 Buick sits<br />
near a portion of the old City Wall<br />
in Havana. The former Presidential<br />
Palace is in background.<br />
So how do they keep those 55- or<br />
60-year-old cars running? Yadi Salinas,<br />
a guide with the Cuban tourist<br />
agency, said proudly, “In Cuba<br />
we call our mechanics magicians.<br />
They make parts from empty cans,<br />
wire, anything they can get their<br />
hands on.”<br />
Some of those “magicians” use<br />
rundown cars for parts or lift complete<br />
engines from newer cars. For<br />
instance, a classic car might have a<br />
Russian-made diesel engine.<br />
If you want to be dazzled by the<br />
array of classic cars in Cuba, U.S.<br />
citizens can travel to the island<br />
nation for educational purposes<br />
through a university or on a<br />
people-to-people tour offered by<br />
several licensed non-profit groups.<br />
The Roads Scholars program,<br />
popular among U.S. seniors, offers<br />
Cuban trips. Another licensed<br />
group is the Grand Circle Foundation.<br />
For more information, visit<br />
its Web site at www.grandcirclefoundation.org.<br />
Battles recalls days in his youth<br />
when new cars would arrive by<br />
train for dealers in Richmond.<br />
He and his friends would hurry<br />
to the station to see the new<br />
models as soon as they rolled<br />
into town. He has owned a<br />
series of classic Chevrolets,<br />
starting with a 1949 Chevrolet<br />
pickup truck.<br />
What does he consider to be<br />
the best of the now-classic<br />
cars? His favorites are the<br />
1956 Chevrolet Bel Air, which<br />
he calls “the most perfect of<br />
the Chevrolet Tri-Five series.”<br />
This series includes models<br />
manufactured in 1955, 1956<br />
and 1957. A newer favorite is<br />
the 1970 Chevelle SS, which<br />
Battles considers the “ultimate<br />
muscle car.”<br />
For those who want to see<br />
classic cars without going<br />
to Cuba, you can visit the<br />
many car shows in the Central<br />
Kentucky area. For locations,<br />
dates and times, visit the Web<br />
site Kentuckycarshows.com.<br />
Battles and his wife, Billie,<br />
have a special interest in the<br />
annual classic car show held<br />
at the Kirksville Community<br />
Center, 664 Kirksville Road,<br />
near Richmond. The <strong>2014</strong> event<br />
is set for Saturday, April 19,<br />
beginning at 9 a.m. For more<br />
information, contact Mike Estes<br />
at (859) 328-4339 or Battles<br />
at (859) 358-3905. Or email<br />
kirksvillecommunitycenter@<br />
gmail.com.
1 4 JAN/FEB 2 0 1 4<br />
Winter Safety Reminders<br />
Tips for shoveling and treating frostbite<br />
and hypothermia<br />
by Angela S. Hoover, Staff Writer<br />
Love it or hate it, cold weather<br />
is here. And with it comes extra<br />
precautions to consider when<br />
shoveling snow, driving or just<br />
getting out and about.<br />
Snow Shoveling<br />
It’s not only a necessary task, it’s a<br />
great workout. But don’t let it put<br />
you out. Anyone older than 40<br />
or with a history of heart trouble<br />
should use extreme caution while<br />
shoveling snow. Dress with extra<br />
care to keep your hands and feet<br />
warm and dry. Warm up and<br />
stretch before beginning; stretch<br />
again when you’re done. Go<br />
slowly and take breaks. If possible,<br />
only shovel fresh snow since wet,<br />
packed snow is more difficult.<br />
Pick up only small amounts.<br />
Remember to use your legs, not<br />
your back. Bend and “sit” into the<br />
movement while keeping your<br />
back straight. Don’t work to the<br />
point of exhaustion. Stop immediately<br />
if your chest feels tight,<br />
regardless of your age or health.<br />
Frostbite<br />
Frostbite is when skin and extremities<br />
freeze. The nose, cheeks,<br />
fingers and toes are most commonly<br />
affected. Frostbite starts<br />
with burning, numbness, tingling,<br />
itching or cold sensations in the<br />
affected areas. The skin appears<br />
white, gray, yellow or blue and is<br />
cold to the touch. The area is hard<br />
and may even appear blackened<br />
and dead. Left unchecked, there<br />
will be a decrease in sensation<br />
until it is completely lost.<br />
At the first sign of frostbite, get to<br />
a warm place and seek medical attention.<br />
Softly handle the affected<br />
area; never rub it. If possible,<br />
slowly warm it up by soaking it in<br />
lukewarm water (100-105 degrees<br />
Fahrenheit) until it appears red<br />
and feels warm. Do not expose it<br />
directly or close to a fire. If fingers<br />
or toes are affected, place dry, sterile<br />
gauze between them to keep<br />
them separated. Avoid breaking<br />
blisters. Do not allow the affected<br />
area to refreeze.<br />
Hypothermia<br />
Hypothermia occurs when the<br />
body loses heat faster than it<br />
can produce it. This abnormally<br />
low body temperature can make<br />
a person sleepy, confused and<br />
clumsy. It may not be immediately<br />
recognized because it happens<br />
gradually. A body temperature<br />
below 95 degrees Fahrenheit is a<br />
medical emergency that can lead<br />
to death if not treated immediately.<br />
It’s easy for anyone spending<br />
a lot of time in cold weather to<br />
get hypothermia, but being wet<br />
makes it more likely. Infants and<br />
the elderly are also at an increased<br />
risk. Visible symptoms begin<br />
with shivering, numbness, apathy,<br />
weakness, impaired judgment,<br />
incoherent speech and loss of consciousness.<br />
Get to a warm place<br />
and seek medical help. Remove<br />
wet clothing and dry off. Warm up<br />
slowly by wrapping in blankets or<br />
putting on dry clothes. Apply hot<br />
water bottles and chemical hot<br />
packs wrapped in a towel or blanket.<br />
Use your own body heat on<br />
someone else if necessary. Do not<br />
warm the person too quickly, such<br />
as immersing him or her in warm<br />
water or placing him or her close<br />
to a fire. Rapid warming can cause<br />
heart arrhythmias. Warm the core<br />
– trunk and abdomen – first, not<br />
the hands and feet. Warming the<br />
hands or feet first can cause shock.<br />
Monitor breathing and circulation<br />
SAFETY Continued on Page 31<br />
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It Isn’t Too<br />
Late to Save<br />
for Retirement<br />
If you’re 40 or 50<br />
and haven’t begun,<br />
you must make the<br />
effort.<br />
by Chrysantha<br />
Clark, CFP®<br />
Some people start<br />
saving for retirement<br />
at 20, 25, or 30. Others<br />
start later, and while their accumulated<br />
assets will have fewer years<br />
of compounding to benefit from,<br />
that shouldn’t discourage them to<br />
the point of doing nothing.<br />
If you need to play catch-up,<br />
here are some retirement savings<br />
principles to keep in mind. First of<br />
all, keep a positive outlook. Believe<br />
in the validity of your effort. Know<br />
that you are doing something good<br />
for yourself and your future, and<br />
keep at it.<br />
Starting later means saving more<br />
– much more. That’s reality; that’s<br />
math. When you have 15 or 20<br />
years until your envisioned retirement<br />
instead of 30 or 40, you’ve got<br />
to sock away money for retirement<br />
in comparatively greater proportions.<br />
The good news is that you<br />
won’t be retiring strictly on those<br />
contributions; in large part, you will<br />
be retiring on the potential earnings<br />
generated by that pool of invested<br />
assets.<br />
How much more do you need to<br />
save? A ballpark example: Marisa, a<br />
pre-retiree, has zero retirement savings<br />
at age 45 and dedicates herself<br />
to doing something about it. She<br />
decides to save $500 each month<br />
for retirement. After 20 years of<br />
doing that month after month, and<br />
with her retirement account yielding<br />
6% a year, Marisa winds up with<br />
about $225,000 at age 65. 1<br />
After 65, Marisa would probably<br />
realize about $10,000 a year<br />
JAN/FEB 2 0 1 4<br />
in inflation-adjusted retirement<br />
income from that $225,000 in<br />
invested retirement savings. Would<br />
that and Social Security be enough?<br />
Probably not. Admittedly, this is<br />
better than nothing. Moreover, her<br />
retirement account(s) might average<br />
better than a 6% return across<br />
20 years.1,*<br />
The math doesn’t lie, and the<br />
message is clear: Marisa needs to<br />
save more than $6,000 a year for<br />
retirement. Practically speaking,<br />
that means she should also exploit<br />
vehicles which allow her to do that.<br />
In <strong>2014</strong>, you can put up to $5,500<br />
in an IRA, $6,500 if you are 50 or<br />
older – but you can sock away up<br />
to $17,500 next year in a 401(k),<br />
403(b), Thrift Savings Plan and<br />
most 457 plans, which all have a<br />
maximum contribution limit of<br />
$23,000 for those 50 and older. 2<br />
If Marisa is self-employed (and<br />
a sole proprietor), she can establish<br />
a solo 401(k) or a SEP-IRA.<br />
The yearly contribution limits are<br />
much higher for these plans. If<br />
Marisa’s 2013 net earnings from<br />
self-employment (after earnings<br />
are reduced by one-half of self-employment<br />
tax) work out to $50,000,<br />
she can put an employer contribution<br />
of up to $10,000 in a SEP-<br />
IRA. (She must also make similar<br />
percentage contributions for all<br />
“covered” employees, excepting her<br />
spouse, under the SEP IRA plan.)<br />
As a sole proprietor, Marisa may<br />
also make a combined employeremployee<br />
contribution of up to<br />
$33,000 to a solo 401(k) this year,<br />
and if she combines a defined<br />
benefit plan with a solo 401(k), the<br />
limit rises to $47,400. If her 2013<br />
net earnings from self-employment<br />
come out to $150,000, she can<br />
make an employer contribution<br />
of as much as $30,000 to a SEP-<br />
IRA, a combined employee salary<br />
deferral contribution and employer<br />
profit sharing contribution of up<br />
to $53,000 to a solo 401(k), and<br />
contribute up to $96,300 toward<br />
her retirement through via the<br />
combination of the solo 401(k)<br />
and defined benefit plan. 3<br />
How do you save more? As you are<br />
likely nearing your peak earnings<br />
years, it may be easier than you<br />
initially assume. One helpful step<br />
is to reduce some of the lifestyle<br />
costs you incur: cable TV, lease<br />
payments, and so forth. Reducing<br />
debt helps: every reduced credit<br />
card balance or paid-off loan frees<br />
up more cash. Selling things helps<br />
– a car, a boat, a house, collectibles.<br />
Whatever money they generate for<br />
you can be assigned to your retirement<br />
savings effort.<br />
Consistency is more important<br />
than yield. When you get a late<br />
start on retirement saving, you<br />
naturally want solid returns on your<br />
investments every year – yet you<br />
shouldn’t become fixated on the<br />
return alone. A dogged pursuit of<br />
double-digit returns may expose<br />
you to considerable market risk<br />
(and the potential for big losses<br />
in a downturn). Diversification is<br />
always important, increasingly so<br />
when you can’t afford to lose a big<br />
portion of what you have saved. So<br />
is tax efficiency. You will also want<br />
to watch account fees.<br />
Where is your financial plan<br />
leading you?<br />
Do you know...<br />
• Options for living expenses during retirement?<br />
• The best time to start collecting Social Security?<br />
• How to secure your finances through a life transition?<br />
Learn these lessons and more...<br />
Seminars offered by Chrysantha Clark, CFP ® at the Beaumont Library<br />
at 6:30pm.<br />
FEB 4 – Building a Strong Financial Future: Strategies for Age 45 to Retirement<br />
FEB 6 – Social Security: Seven Ways to Optimize Benefits<br />
FEB 17 – 21st Century Retirement: Strategies for Managing Retirement Income<br />
MARCH 6 – Financial Strategies for Women in Transition<br />
1 5<br />
What if you amass a big nest<br />
egg & still face a shortfall? Maybe<br />
you can reduce expenses in retirement<br />
by moving to another city<br />
or state (or even another country).<br />
Maybe you can broaden your skill<br />
set and make yourself employable<br />
in another way (which also might<br />
help you before you reach traditional<br />
retirement age if you find yourself<br />
in a declining industry).<br />
If you haven’t begun to save for<br />
retirement by your mid-40s, you<br />
have probably heard a few warnings<br />
and wake-up calls. Unless you are<br />
independently wealthy or anticipate<br />
being so someday, the truth of the<br />
matter is...<br />
If you haven’t started saving for retirement,<br />
you need to do something<br />
to save your retirement.<br />
That may sound harsh or scary, but<br />
without a nest egg, your vision of<br />
a comfortable future is in jeopardy.<br />
You can’t retire on hope and<br />
SAVE Continued on Page 31<br />
Seating is limited.<br />
Contact chrysantha.clark@keystoneky.com or<br />
859.317.8316 ext. 116<br />
www.keystoneky.com<br />
Securities offered through LPL Financial, Member FINRA/SIPC
1 6 JAN/FEB 2 0 1 4<br />
Events<br />
Calendar<br />
JAN. <strong>2014</strong> FEB. <strong>2014</strong><br />
Sun Mon Tue Wed Thu Fri Sat<br />
1 2 3 4 1<br />
5 6 7 8 9 10 11 2 3 4 5 6 7 8<br />
12 13 14 15 16 17 18 9 10 11 12 13 14 15<br />
19 20 21 22 23 24 25 16 17 18 19 20 21 22<br />
26 27 28 29 30 31 23 24 25 26 27 28<br />
Ongoing<br />
Yoga Health & Therapy<br />
Center Classes<br />
Our Yoga Classes feature slow<br />
stretch with gentle breathing,<br />
and relaxation techniques.<br />
Class size is small, to provide<br />
careful instruction. Yoga classes<br />
are offered Mon through Thurs<br />
(daytime and evening), and Sat<br />
mornings. Our Meditation Starter<br />
Course teaches simple ways<br />
to focus and quiet the mind;<br />
5-week sessions are offered on<br />
Sundays at 5:30 pm. A nonprofit<br />
organization operating<br />
since 1981, The Yoga Health &<br />
Therapy Center is located at 322<br />
W. 2nd St. Free private parking<br />
is provided for most classes. For<br />
more information on fees and<br />
scheduled dates and times, call<br />
us at 859-254-9529, or email us<br />
at info@yogahealthcenter.org<br />
Sun Mon Tue Wed Thu Fri Sat<br />
Send us your event listings<br />
List your event for FREE if it’s free to the public*.<br />
E-mail your event information to graphics@samplerpublications.com<br />
(*$35 fee for events that are not free to the public)<br />
Reiki Introduction &<br />
Practice<br />
6:30pm- 8:30pm, 4th Tuesday<br />
each month. 1403 E. Breckinridge<br />
Street, Louisville, KY. Free.<br />
Those who do have not Reiki<br />
training—come for an introduction<br />
& to experience it. No experience<br />
required. Those with Reiki come<br />
to practice on others & receive<br />
the Reiki energy. Everyone will<br />
get 15 -20 minute Reiki treatment.<br />
Free reattunement to your last<br />
level of Usui or Karuna Reiki® if<br />
you have your certificate. Contact<br />
JoAnn Utley at 502-777-3865<br />
or jutley5122@bellsouth.net to<br />
register. More info at http://<br />
joannutley.byregion.net<br />
Sit and Get Fit<br />
Mondays and Fridays, 9:30am-<br />
10:30am. FREE! This event is<br />
a seated controlled exercise/<br />
movement class to improve<br />
strength, flexibility, balance<br />
and coordination. It is taught<br />
by Anne Graff, MS, OTR/L,<br />
Occupational Therapist certified<br />
by the American Senior Fitness<br />
Association as a Senior Fitness<br />
Instructor and trained in Body<br />
Recall. Also included are: Fall<br />
Prevention and Recovery, Fun<br />
Movements to Strengthen<br />
Body and Mind, Improve<br />
Posture and Core Conditioning,<br />
<strong>Well</strong>ness Education, Relaxation<br />
Techniques, and Music.<br />
The Charles Young Center is<br />
located at 540 E. Third Street.<br />
Parking is available on Shropshire<br />
Avenue or Lewis Street,<br />
Lexington, KY. Ages 60 and older.<br />
For more information, please<br />
contact Alexis Edge at 859-246-<br />
0281 or aedge@lexingtonky.gov.<br />
<strong>Well</strong>ness Wednesday<br />
On the first Wednesday of the<br />
month, all Good Foods Market<br />
and Café customers will receive<br />
5% off all supplements, body<br />
care, and bulk herb & spice<br />
items. Customers can special<br />
order <strong>Well</strong>ness Wednesday items<br />
ahead of time and pick them up<br />
on <strong>Well</strong>ness Wednesday. When:<br />
Wednesday, July 3, 8 am – 10<br />
pm. held at Good Foods Market<br />
& Café, 455 Southland Drive.<br />
<strong>January</strong> 9<br />
Stop Smoking Class<br />
Series<br />
6 - 7 pm (Weekly until April 3), at<br />
the Nathaniel Mission Free clinic,<br />
616 DeRoode Street. Based on<br />
the Cooper-Clayton method,<br />
$10/week for 10 weeks covers<br />
the cost of nicotine replacement<br />
(patches, gum, etc). For more<br />
information or to pre-register,<br />
288-2457. Sponsored by the<br />
Lexington-Fayette Co. Health<br />
Dept.<br />
<strong>January</strong> 9<br />
Low-Impact Zumba<br />
Classes<br />
6 - 7pm, 7-8 pm, William <strong>Well</strong>s<br />
Brown Community Center, 548<br />
East Sixth Street. Weekly until<br />
May. Second hour offers a variety<br />
of other movement classes,<br />
including boot camp and Yoga.<br />
Free and for adults age 18 and<br />
above. Sponsored in part by the<br />
Lexington-Fayette Co. Health<br />
Dept. and Lexington Parks and<br />
Recreation. For more information,<br />
contact Jill Chenault-Wilson at<br />
389-6678.<br />
<strong>January</strong> 11<br />
Free Group Training<br />
Classes<br />
9-10am. Every Saturday morning<br />
during the month of <strong>January</strong>,<br />
Body Structure Medical Fitness,<br />
2600 Gribbon Drive, Lexington.<br />
Saturday morning Power Hour is<br />
designed to mix interval training<br />
with steady state cardio exercises<br />
to burn calories and increase<br />
metabolism. Workouts will focus<br />
on resistance training to increase<br />
muscle tone and reduce body fat!<br />
jfoglesong@bodystructure.com,<br />
859-268-8190.<br />
<strong>January</strong> 13<br />
Diabetes Support<br />
Group<br />
10-11 am, Senior Citizens Center,<br />
1530 Nicholasville Road, Free.<br />
Sponsored by the Lexington-<br />
Fayette Co. Health Dept. For<br />
more information, call (859) 288-<br />
2352.<br />
<strong>January</strong> 14<br />
Low-Impact Aerobics<br />
Classes<br />
6-7 pm, various fitness classes<br />
7-8 pm, William <strong>Well</strong>s Brown
Community Center, 548 East<br />
Sixth Street. Weekly through May.<br />
Weight room also open 5 – 9 pm.<br />
Free and for adults age 18 and<br />
above. Sponsored in part by the<br />
Lexington-Fayette Co. Health<br />
Dept. and Lexington Parks and<br />
Recreation. For more information,<br />
contact Jill Chenault-Wilson at<br />
389-6678.<br />
<strong>January</strong> 14<br />
Health Chats about<br />
Diabetes<br />
6:15-7:30, UK Polk Dalton<br />
Clinic, 217 Elm Tree Lane, Free.<br />
Sponsored by the Lexington-<br />
Fayette Co. Health Dept. and UK<br />
Healthcare. For more information,<br />
call (859) 288-2352.<br />
<strong>January</strong> 14<br />
Stop Smoking Class<br />
Series<br />
6–7 pm (Weekly until April 8), at<br />
the St. Joseph Cancer Center,<br />
701 Bob-O-Link Dr., Suite 250,<br />
Lexington. Based on the Cooper-<br />
Clayton method, $10/week for 10<br />
weeks covers the cost of nicotine<br />
replacement (patches, gum, etc).<br />
For more information or to preregister,<br />
288-2457. Sponsored by<br />
the Lexington-Fayette Co. Health<br />
Dept.<br />
<strong>January</strong> 16<br />
“A New You” Weight<br />
Loss Class<br />
6:30-8 pm, at the Beaumont<br />
Library, 3080 Fieldstone Way,<br />
Lexington. Learn healthy weight<br />
loss strategies, including meal<br />
planning and eating healthy on<br />
a budget at this FREE class.<br />
Presented by the Lexington-<br />
Fayette County Health<br />
Department. Pre-registration<br />
required: call (859) 231-5500 or<br />
859-288-2352.<br />
<strong>January</strong> 18<br />
Free Group Training<br />
Classes<br />
9-10am. Every Saturday morning<br />
during the month of <strong>January</strong>,<br />
Body Structure Medical Fitness,<br />
2600 Gribbon Drive, Lexington.<br />
Saturday morning Power Hour<br />
is designed to mix interval<br />
training with steady state cardio<br />
exercises to burn calories and<br />
increase metabolism. Workouts<br />
will focus on resistance training<br />
to increase muscle tone and<br />
reduce body fat! jfoglesong@<br />
bodystructure.com, 859-268-<br />
8190.<br />
JAN/FEB 2 0 1 4<br />
<strong>January</strong> 19<br />
The Mindful Way to<br />
Stress Reduction<br />
Everyday life is full of stressful<br />
events. Mindfulness is a way<br />
to manage stress. This age old<br />
practice of cultivating awareness<br />
through meditation and gentle<br />
movement is about being present<br />
in the fullness of our lives with<br />
balance and joy. Learn about<br />
powerful ways mindfulness<br />
can enhance your physical and<br />
emotional health by reducing<br />
stress. Experience the benefits<br />
of a mindful practice with MBSR<br />
instructor Toni Reiss. Toni will<br />
teach a free class on the world<br />
acclaimed 8-week Mindfulness-<br />
Based Stress Reduction (MBSR)<br />
program on <strong>January</strong> 19 from<br />
3:00 – 4:00 p.m. This class is<br />
recommended for those who<br />
plan to enroll in the 8-week<br />
MBSR class starting <strong>January</strong><br />
26. All classes will be held at<br />
Lexington Healing Arts Academy,<br />
272 Southland Drive, Lexington.)<br />
Register for this free class by<br />
calling 859-252-5656 or email<br />
mindfulnessmatters2us@gmail.<br />
com<br />
<strong>January</strong> 21<br />
Eat, Move, Lose<br />
Weight Support Group<br />
12 – 1 pm, Lexington-Fayette<br />
Co. Health Department PH Clinic<br />
South, 2433 Regency Road.<br />
Free weight-loss support group<br />
appropriate for anyone wishing<br />
to lose weight or maintain weight<br />
loss. Share struggles and ideas<br />
with others. Held first and third<br />
Tuesdays most months. For more<br />
information or to pre-register, call<br />
288-2352.<br />
<strong>January</strong> 22<br />
Infant CPR<br />
1 pm and 1:45 pm, Babies R Us,<br />
Hamburg Pavilion, Lexington.<br />
1001 Crossfield Drive<br />
Versailles, KY 40383<br />
Learn the ABC’s of infant CPR<br />
as this 45-minute class prepares<br />
you with important basic CPR<br />
techniques. $3 for instructional<br />
materials. Co-sponsored by<br />
the Lexington Fire Department.<br />
Registration required: call Babies<br />
R Us Baby Registry at 859-263-<br />
8598.<br />
<strong>January</strong> 22<br />
Know the 10 Signs:<br />
Alzheimer’s Disease<br />
If you or someone you know is<br />
experiencing memory loss or<br />
behavioral changes, it’s time to<br />
learn the facts. Early detection<br />
of Alzheimer’s disease gives<br />
you a chance to begin drug<br />
therapy, enroll in clinical studies<br />
and plan for the future. The<br />
program will take place at the<br />
Jessamine County Cooperative<br />
Extension Office located at<br />
95 Park Drive, Nicholasville<br />
on Wednesday, <strong>January</strong> 22nd<br />
from 1-2pm. To register for<br />
this program, please call 1-800-<br />
272-3900 or e-mail infoky-in@alz.<br />
org. Registration is preferred.<br />
<strong>January</strong> 25<br />
Free Group Training<br />
Classes<br />
9-10am. Every Saturday morning<br />
during the month of <strong>January</strong>,<br />
Body Structure Medical Fitness,<br />
2600 Gribbon Drive, Lexington.<br />
Saturday morning Power Hour is<br />
designed to mix interval training<br />
with steady state cardio exercises<br />
to burn calories and increase<br />
metabolism. Workouts will focus<br />
on resistance training to increase<br />
muscle tone and reduce body fat!<br />
jfoglesong@bodystructure.com,<br />
859-268-8190.<br />
<strong>January</strong> 28<br />
Reiki Introduction &<br />
Practice<br />
6:30pm- 8:30pm. Call for<br />
Take a tour and join us for lunch, on us!<br />
Make your reservation today for our<br />
complimentary lunch and tour.<br />
daisyhillseniorliving.com and<br />
859.753.2000<br />
us on Facebook<br />
1 7<br />
address, Louisville, KY.<br />
Free. Those who do have not<br />
Reiki training—come for an<br />
introduction & to experience<br />
it. No experience required. Those<br />
with Reiki come to receive the<br />
Reiki energy & practice on others.<br />
Free reattunement to your last<br />
level of Usui or Karuna Reiki®<br />
upon request if you have your<br />
certificate. Contact JoAnn Utley<br />
at 502-777-3865 or jutley5122@<br />
bellsouth.net to register. More<br />
info at http://joannutley.byregion.<br />
net.<br />
<strong>February</strong> 25<br />
Reiki Introduction &<br />
Practice<br />
6:30pm- 8:30pm. 2508<br />
Wallace Avenue, Louisville, KY<br />
40205. Free. Those who do<br />
have not Reiki training—come for<br />
an introduction & to experience it.<br />
No experience required. Those<br />
with Reiki come to receive<br />
the Reiki energy & practice on<br />
others. Free reattunement to<br />
your last level of Usui or Karuna<br />
Reiki® upon request if you<br />
have your certificate. Contact<br />
JoAnn Utley at 502-777-3865<br />
or jutley5122@bellsouth.net to<br />
register. More info at http://<br />
joannutley.byregion.net.<br />
<strong>February</strong> 6<br />
KY Sport, Boat and<br />
Recreation Show<br />
Huge off-season savings on<br />
latest models and equipment,<br />
daily fishing demonstrations and<br />
much more! Time: Thursday-<br />
Friday 1-9 p.m.; Saturday 9<br />
a.m.-9 p.m.; Sunday 10 a.m.-5<br />
p.m. Admission TBA 430 West<br />
Vine Street. (859) 233-4567 www.<br />
rupparena.com. Location: Rupp<br />
Arena & Heritage Hall<br />
Nature lovers, hikers, cliff climbers<br />
RENT THIS CABIN<br />
Near Natural Bridge State Park and<br />
Red River Gorge.<br />
Call or visit website for reservations.<br />
Ken & Sheila Brown<br />
www.VRBO.com/361686<br />
(606) 668-2599<br />
(606) 643-6044<br />
ksbrown@mrtc.com
1 8 JAN/FEB 2 0 1 4<br />
Senior Services<br />
DIRECTORY<br />
About the Directory<br />
<strong>Living</strong> <strong>Well</strong> 50+ is striving to make your search for local<br />
senior services a bit easier. We know there are many<br />
companies available to assist seniors in central Kentucky<br />
– so many that beginning a search to fit your need can<br />
seem like a daunting task.<br />
That’s why our directory features a collection of local<br />
companies and organizations who have a solid track<br />
record of providing exceptional assistance. We hope it<br />
becomes a useful starting point in your search for quality<br />
senior services.<br />
Category Key<br />
County Offices & Meal Programs<br />
Health Care Systems & Hospitals<br />
Transportation, Personal Shopping, Errands<br />
Does your<br />
business<br />
provide<br />
excellent<br />
senior<br />
services?<br />
call us for a spot<br />
in the directory<br />
859.225.4466<br />
Senior Day Centers, Adult Day Centers &<br />
Respite Care<br />
In Home Care (Non-Medical)<br />
In Home Medical Care<br />
Mental Health, Family & Caregiver Support, Advice<br />
Disability & Rehabilitation<br />
Medical Equipment, Supplies & Monitoring Systems<br />
Finances & Estate Planning, Trusts/Wills,<br />
Reverse Mortgage<br />
Funeral Arrangement & Pre-Planning<br />
Legal Services<br />
Home Repair & Maintenance<br />
Skilled Nursing Facilities, Personal Care Homes,<br />
Long-Term Care<br />
Senior Independent <strong>Living</strong> & Retirement Housing<br />
(Non-Medical)<br />
Real Estate / Rent- Subsidized Housing For Independent<br />
<strong>Living</strong><br />
Moving, Estate Sales, Downsizing Services<br />
Fitness, Healthy Eating & Healthy <strong>Living</strong><br />
Healthcare, Medicare Help and Insurance<br />
Vision Care
JAN/FEB 2 0 1 4<br />
1 9<br />
HEALTH CARE SYSTEMS<br />
& HOSPITALS<br />
Lexington Clinic<br />
1221 S. Broadway<br />
Lexington, KY 40504<br />
859-258-4000<br />
IN HOME CARE<br />
(NON-MEDICAL)<br />
Accessible Home<br />
Health Care<br />
366 Waller Ave. Ste. 112<br />
Lexington, KY 40504<br />
859-313-5167<br />
www.accessiblebluegrass.com<br />
Assisting Hands<br />
1795 Alysheba Way, Ste. 7105<br />
Lexington, KY 40509<br />
859-264-0646<br />
www.assistinghands.com/lexington<br />
Senior Helpers of the<br />
Bluegrass<br />
3070 Harrodsburg Rd. Ste. 240<br />
Lexington, KY 40503<br />
859-296-2525<br />
www.seniorhelpers.com<br />
IN HOME<br />
MEDICAL CARE<br />
Medi-Calls<br />
1055 <strong>Well</strong>ington Way #215<br />
Lexington, KY 40513<br />
859-422-4369<br />
Saint Joseph Home Health<br />
2464 Fortune Dr. Ste. 110<br />
Lexington, KY 40509<br />
859-277-5111<br />
www.saintjosephanchomecare.com<br />
DISABILITY &<br />
REHABILITATION<br />
YMCA of Central Kentucky<br />
239 E. High St.<br />
Lexington, KY 40502<br />
859-254-9622<br />
ymcaofcentralky.org<br />
Drayer Physical Therapy<br />
Institute: Winchester Center<br />
160 Pedro Way<br />
859-745-2152<br />
www.drayerpt.com<br />
Drayer Physical Therapy<br />
Institute: Richmond Center<br />
1054 Center Drive, Ste. 1<br />
859-625-0600<br />
www.drayerpt.com<br />
Drayer Physical Therapy<br />
Institute: Lexington Perimeter<br />
Center<br />
600 Perimeter Drive, Ste. 175<br />
859-268-1201<br />
www.drayerpt.com<br />
Drayer Physical Therapy<br />
Institute: Lexington Beaumont<br />
Center<br />
1010 Monarch Street, Ste. 150<br />
859-219-0211<br />
www.drayerpt.com<br />
MEDICAL EQUIPMENT,<br />
SUPPLIES &<br />
MONITORING SYSTEMS<br />
Central Baptist Lifeline<br />
859-260-6217<br />
www.centralbap.com<br />
FINANCES & ESTATE<br />
PLANNING, TRUSTS/<br />
WILLS, REVERSE<br />
MORTGAGE<br />
Attorney Walter C. Cox, Jr<br />
& Assoc. LLC<br />
2333 Alexandria Dr.<br />
859-514-6033<br />
www.waltercoxlaw.com<br />
info@waltercoxlaw.com<br />
LEGAL SERVICES<br />
Bluegrass Elder Law<br />
120 North Mill Street, Ste 300<br />
859-281-0048<br />
www.bgelderlaw.com<br />
HOME REPAIR &<br />
MAINTENANCE<br />
Mountain Waterfalls<br />
Award-Winning Water Features<br />
859-684-0642<br />
www.mountainwaterfalls.net<br />
SENIOR INDEPENDENT<br />
LIVING & RETIREMENT<br />
HOUSING (NON-MEDICAL)<br />
Mayfair Village<br />
3310 Tates Creek Rd.<br />
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Georgetown, Lawrenceburg,<br />
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MORE<br />
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PAGE<br />
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Can A <strong>Living</strong> Revocable Trust Benefit Your Estate?<br />
by Walter C. Cox, Jr. Attorney at Law<br />
Property Passes Free of<br />
Probate Costs<br />
Your living revocable trust agreement<br />
can do just about anything<br />
a will could do. It can provide<br />
that a specific property be paid<br />
to a designated beneficiary; that<br />
a specified dollar amount be paid<br />
to the American Institute for<br />
Cancer Research to support its<br />
ongoing war against cancer; or<br />
that the trust be continued for<br />
the benefit of designated beneficiaries.<br />
And the living revocable trust<br />
has this advantage over a will:<br />
properties you transfer to the<br />
trust will pass to your designated<br />
beneficiaries free of the costs and<br />
delays of probate.<br />
For some people, another<br />
important advantage of the living<br />
revocable trust is privacy. Unlike<br />
a will, which is always open to<br />
the public, your living revocable<br />
trust will be a private document<br />
the public need never see.<br />
Can A <strong>Living</strong> Revocable<br />
Trust Benefit Your<br />
Estate?<br />
Like thousand of other friends<br />
and supporters of the American<br />
Institute for Cancer Research,<br />
you have probably asked yourself<br />
whether you should consider<br />
a living revocable trust as the<br />
cornerstone of your personal<br />
estate plan.<br />
In most cases, a living revocable<br />
trust can avoid or minimize<br />
probate costs and delays in the<br />
distribution of property at your<br />
death. And depending on the<br />
size and nature of your estate,<br />
this can be a sound reason for<br />
creating a living revocable trust.<br />
But there are other advantages,<br />
disadvantages and alternative<br />
arrangements you may want to<br />
consider.<br />
A <strong>Living</strong> Revocable<br />
Trust Can Be Complex<br />
The first step in creating a living<br />
revocable trust is to plan and<br />
execute a rather lengthy written<br />
trust agreement - commonly<br />
called a Declaration of Trust.<br />
This agreement will establish<br />
your trust as a separate legal entity<br />
capable of owning property<br />
in its own name. It will provide<br />
detailed directions for the distribution<br />
of trust properties at your<br />
death and contain provisions<br />
designed to give you full and a<br />
complete control over the trust<br />
properties during your life.<br />
The second essential step is to<br />
transfer the legal ownership of<br />
certain properties to the trust.<br />
You can generally transfer stocks,<br />
bonds, and mutual fund shares<br />
by having them reissued in the<br />
name of the trust. Real property<br />
can be transferred to the trust by<br />
a deed that is properly recorded.<br />
Business interests, bank accounts<br />
or other properties can also be<br />
transferred to the trust.<br />
Some Questions<br />
and Answers - <strong>Living</strong><br />
(Revocable) Trust<br />
I. What is an Estate Plan?<br />
An Estate Plan is the creation of<br />
a definite plan for managing your<br />
wealth while you are alive and<br />
distribution it after your death.<br />
Your Estate is defined as all the<br />
wealth accumulated during your<br />
lifetime. Example of property<br />
may include the following.<br />
1. Real property (residence)<br />
and (rental property)<br />
2. Business interests (partner<br />
TRUST Continued on Page 31<br />
Why a <strong>Living</strong> Trust is the Best Option<br />
Have a Will (Probate)<br />
Probate is the system that removes the name of a<br />
deceased person from the assets.<br />
• All claims, real or imagined, must be settled to<br />
the court’s satisfaction<br />
• Probate takes time . . . many months or even<br />
years<br />
• Probate costs money . . . 4% to 8% of the<br />
estate value is not uncommon<br />
• Probate is public record<br />
• A will is of no help if you become<br />
incapacitated<br />
Please call 859-514-6033 or fill out this form for a consultation in our office:<br />
Name<br />
Address<br />
City, State, Zip<br />
Phone<br />
Age<br />
WILL vs. TRUST<br />
County<br />
Spouse’s Age<br />
(aarp) endorses LIVING TRUSTS • (smart money magazine) endorses LIVING TRUSTS<br />
Have a Trust (No Probate)<br />
A <strong>Living</strong> Trust is the fail proof way to pass<br />
along your estate to your heirs without<br />
lawyers, courts or the probate system.<br />
• Be in total control for as long as you<br />
live and are competent<br />
• Eliminate court interference if you<br />
become incapacitated<br />
• Administer your estate yourself before<br />
you die.<br />
• Let your children do final settlement<br />
without cost or delay<br />
• Keep everything private and reduce<br />
excess taxes<br />
There is no charge nor obligation to see if a<br />
<strong>Living</strong> Trust is right for you!<br />
Please fill out form (left) and mail to address below:<br />
Atty. Walter C. Cox, Jr.<br />
The Law Offices of Attorney Walter C. Cox Jr.<br />
2333 Alexandria Dr., Lexington, KY 40504<br />
www.waltercoxlaw.com<br />
info@waltercoxlaw.com<br />
Rated AV by Martindale Hubbell for 30 years.
JAN/FEB 2 0 1 4<br />
2 3<br />
More than an industry, bourbon is a<br />
culture, a history and a heritage built by<br />
generations of Kentuckians.<br />
The Bourbon Trail<br />
Leads All to Kentucky<br />
Signature libation is a proud part<br />
of state’s history<br />
by Thomas W.<br />
Miller Ph.D.<br />
ABPP, Staff Writer<br />
Bourbon whiskey<br />
is an integral part<br />
of Kentucky history. Bourbon<br />
distilling probably arrived in the<br />
state when Scottish, Scots-Irish<br />
and other settlers began to farm<br />
Kentucky fields in the late 18th<br />
century. Their distilleries created a<br />
unique spirit that became known as<br />
bourbon in the early 19th century<br />
due to its historical association with<br />
the geographic area known as Old<br />
Bourbon country, which itself was<br />
named after the French royal house<br />
of Bourbon.<br />
History and Tradition<br />
James Crow and Jason Amburgey<br />
are credited with developing the<br />
process referred to as sour mash.<br />
This process utilized fermentation.<br />
Sour mashing mixed wet solids<br />
strained from a previous batch<br />
of fermented mash, which still<br />
contained live yeast. Spent mash is<br />
known as spent beer, distillers’ spent<br />
grain and stillage. It is also called<br />
slop or feed mash because it is used<br />
as animal feed. The acid introduced<br />
by using the sour mash controls the<br />
growth of bacteria that could taint<br />
the whiskey. It creates a proper pH<br />
balance for the yeast to work. Since<br />
around 2005, all straight bourbons<br />
use a sour-mash process. Crow and<br />
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Amburgey developed this refinement<br />
while working at the Old<br />
Oscar Pepper Distillery, now the<br />
Woodford Reserve Distillery in<br />
Woodford County.<br />
Kentucky’s Bourbon<br />
Trail<br />
The unique nature of bourbon can<br />
be derived from the iron-free water<br />
used in the distillation process.<br />
Since 95 percent of this corn-based,<br />
barrel-aged, caramel-colored<br />
sipping icon is distilled, aged and<br />
bottled right here in Kentucky’s<br />
bourbon country, it’s big business<br />
for the Bluegrass State. But more<br />
than an industry, bourbon is a culture,<br />
a history and a heritage built by<br />
generations of Kentuckians.<br />
The legendary Kentucky Bourbon<br />
Trail that winds through the heart of<br />
bourbon country features some of<br />
the Commonwealth’s top distilleries,<br />
including Maker’s Mark, Jim<br />
Beam and Woodford Reserve. The<br />
Urban Bourbon Trail in Louisville<br />
features bourbon bars, each of<br />
which is required to serve at least<br />
50 different kinds of bourbon and<br />
hold at least one bourbon-related<br />
event each month of the year. Most<br />
of these establishments also have<br />
bourbon-related food dishes on<br />
their menus.<br />
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Bourbon Distilleries<br />
Operating in Kentucky<br />
Here is a listing of some<br />
distilleries that are in<br />
operation in Kentucky. Many<br />
of them offer tours. Visit the<br />
distilleries’ Web sites for<br />
more information.<br />
• Barrel House Distilling<br />
Company<br />
• Barton Distillery<br />
• Bernheim Distillery<br />
• Boulevard Distillery<br />
• Buffalo Trace Distillery<br />
• Bulleit Distilling Company<br />
• Charles Medley Distillery<br />
• Clarke’s Distilling<br />
Company<br />
• Corsair Artisan Distillery<br />
• Early Times Distillery<br />
• Four Roses Distillery<br />
• Heaven Hill Distillery<br />
• Jamieson Distillery<br />
• Jim Beam Distillery<br />
• Josiah Thedford & Sons<br />
• Kentucky Bourbon<br />
Distillers, Ltd.<br />
• Maker’s Mark Distillery<br />
• McLain & Kyne Distillery<br />
• Old Rip Van Winkle<br />
• Small Batch Distillery<br />
• The Old Pogue Distillery<br />
• The Woodford Reserve<br />
Distillery
2 4 JAN/FEB 2 0 1 4<br />
Late Life Success<br />
Col. Harland Sanders, founder of<br />
Kentucky Fried Chicken<br />
by Angela S. Hoover, Staff Writer<br />
Harland Sanders began Kentucky<br />
Fried Chicken out of sheer desperation<br />
at the age of 65.<br />
This venture was not his first try as<br />
a business owner, but it was by far<br />
his most successful. As a gas station<br />
operator in Corbin, Ky., Sanders at<br />
age 40 began cooking for hungry<br />
travelers. They ate from his own<br />
table in the station’s living quarters.<br />
People began coming for the<br />
food instead of the fuel, so Sanders<br />
moved across the street and<br />
opened a restaurant, the Sanders<br />
Café. By July 1940, after 10 years<br />
of experimenting, he had perfected<br />
his secret blend of 11 herbs and<br />
spices and the pressure-cooking<br />
technique and started selling fried<br />
chicken.<br />
When a new interstate highway<br />
diverted traffic away from<br />
his Corbin restaurant, Sanders<br />
devoted himself to fully developing<br />
his franchising business. His<br />
startup capital was money from<br />
his first Social Security check. He<br />
used it to go on the road looking<br />
for restaurant owners who would<br />
buy his fried chicken recipe. In less<br />
than 10 years, he had more than<br />
600 franchises. His first franchise<br />
agreement was with Pete Harman<br />
of South Salt Lake, Utah in 1952.<br />
Harman’s restaurant sales tripled<br />
the first year, with 75 percent of the<br />
increase coming from fried chicken<br />
sales. The Kentucky Fried Chicken<br />
name came from Don Anderson, a<br />
sign painter Harman hired.<br />
Sanders sold his interest in the<br />
business in 1964 for $2 million to<br />
a group of investors led by John Y.<br />
Brown, Jr., who later became the<br />
governor of Kentucky, and Jack<br />
C. Massey. Today the chain, now<br />
known as KFC, has more than<br />
15,000 restaurants in 109 countries.<br />
Sanders was born in 1890 three<br />
miles east of Henryville, Ind. He<br />
was the oldest of Wilbur David<br />
and Margaret Ann Dunlevy Sanders’<br />
three children. Wilbur died<br />
of a fever in the summer of 1895.<br />
Margaret went to work in a tomato<br />
canning factory, leaving Harland in<br />
charge of cooking and taking care<br />
of his younger siblings. He began<br />
working as a farmhand at age 10.<br />
In 1902, Margaret remarried and<br />
the family moved to Greenwood,<br />
Ind. Sanders argued with his stepfather<br />
and moved out in 1903. He<br />
dropped out of school and went to<br />
live and work on a nearby farm.<br />
Sanders falsified his birth date to<br />
enlist in the U.S. Army in November<br />
1906 and was honorably<br />
discharged after three months.<br />
He worked various railroads jobs<br />
and became a fireman at age 16.<br />
In 1909 he married Josephine<br />
King and started a family – a son,<br />
Harland Jr. (who died in 1932<br />
from infected tonsils), and two<br />
daughters, Margaret and Mildred.<br />
He divorced Josephine in 1947 and<br />
married Claudia Price in 1949.<br />
Sanders studied law by correspondence<br />
through the La Salle Extension<br />
University. He began practicing<br />
law in Little Rock, Arkansas,<br />
but his legal career ended after he<br />
got into a courtroom brawl with his<br />
own client. He also sold life insurance<br />
for Prudential until he was<br />
fired for<br />
insubordination.<br />
In 1920,<br />
Sanders<br />
began a<br />
successful<br />
ferry boat<br />
company<br />
on the<br />
Ohio River<br />
between<br />
Jeffersonville<br />
and<br />
Louisville.<br />
He sold his<br />
company<br />
shares for<br />
$22,000<br />
and used the money to start a<br />
company manufacturing acetylene<br />
lamps. This venture failed after<br />
Delco introduced a line of electric<br />
lamps sold on credit.<br />
By 1930, Sanders was working at<br />
the Corbin gas station where he<br />
opened his first restaurant. He was<br />
commissioned as a Kentucky Colonel<br />
in 1935 by Gov. Ruby Laffoon<br />
for his contributions to the state’s<br />
cuisine. He was again commissioned<br />
as a Kentucky Colonel in<br />
1949 by his friend, Gov. Lawrence<br />
Wetherby, and he began donning<br />
his signature white suit and black<br />
tie.<br />
Sanders remained publicly active<br />
even in his 80s. He died of leukemia<br />
at the age of 90 in Shelbyville.<br />
His secret recipe – written in pencil<br />
on notebook paper – is kept in a<br />
vault inside KFC’s corporate headquarters<br />
in Louisville.<br />
You can sit beside a life-size statute<br />
of Col. Harland Sanders at the<br />
Harland Sanders Café and Museum<br />
in Corbin.<br />
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JAN/FEB 2 0 1 4<br />
2 5<br />
Located off U.S. 25 in Corbin, Ky.,<br />
the Sanders Café is where Col.<br />
Harland Sanders began cooking and<br />
serving his world-famous Kentucky<br />
Fried Chicken.<br />
The kitchen at the Harland Sanders Café and Museum in<br />
Corbin is set up as it was during the café’s heyday.<br />
A Salute to Col.<br />
Sanders<br />
Café and Museum Showcase<br />
Birthplace of KFC<br />
by Tanya J. Tyler, <strong>Living</strong> <strong>Well</strong> 50 Plus Editor<br />
Located off U.S. 25 in Corbin, Ky., the<br />
Sanders Café and Museum is the birthplace<br />
of Kentucky Fried Chicken, the<br />
world-famous restaurant started by Col.<br />
Harland Sanders.<br />
The café is on the site of the motor court<br />
that Sanders built for travelers who were<br />
headed south. The museum is full of<br />
memorabilia, including menus, photos,<br />
dinnerware and other items. The kitchen<br />
is set up just as it might have been during<br />
the time Sanders experimented with and<br />
perfected his secret recipe of 11 herbs and<br />
spices. There is a replica of his office in the<br />
museum, as well as one of the rooms built<br />
right in the café to entice travelers to spend<br />
the night at Sanders Motor Court. And<br />
there is a life-size statue of Col. Sanders,<br />
complete with white suit, black tie and<br />
cane, sitting on a bench, a popular photo<br />
op for visitors.<br />
The Harland Sanders Café is on the National<br />
Register of Historic Places. It has a<br />
restaurant that still serves up original-recipe<br />
fried chicken, as well as today’s modern<br />
KFC takes, such as grilled chicken and<br />
extra crispy chicken. The museum is open<br />
daily from 10 a.m. to 10 p.m.<br />
After 10 years of<br />
experimenting, Sanders<br />
perfected his secret blend of<br />
11 herbs and spices.<br />
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2 6 JAN/FEB 2 0 1 4<br />
50 Years Ago...<br />
Beatles Appear on Ed<br />
Sullivan Show<br />
English band sparks musical revolution<br />
by Jamie Lober, Staff Writer<br />
Feb. 9, 1964 turned out to be a<br />
historic day. More than 73 million<br />
people across the country<br />
were glued to their TV sets that<br />
evening. They had been waiting<br />
all week for this moment. It was a<br />
phenomenon that had to be seen<br />
to be believed.<br />
The Beatles – John Lennon, Ringo<br />
Starr, George Harrison and Paul<br />
McCartney –were going to be on<br />
the popular music-variety program,<br />
The Ed Sullivan Show.<br />
During the time leading up to<br />
their performance, the Beatles,<br />
hailing from England, had a few<br />
records that hit No. 1 on the U.S.<br />
music charts, and radios across the<br />
country were blaring their tunes.<br />
Suddenly everyone had a case of<br />
“Beatlemania.” The excitement for<br />
and interest in the Beatles’ appearance<br />
had not been seen since Elvis<br />
Presley went on the same show in<br />
1956.<br />
How did Sullivan get the group<br />
on his show? He and his wife were<br />
at Heathrow Airport in London<br />
when they noticed throngs of<br />
youth standing in the rain. When<br />
they asked the young people why<br />
they were so patiently waiting<br />
in grey weather conditions, they<br />
learned the Beatles were returning<br />
home from a tour in Sweden.<br />
When he got back to his hotel<br />
room that night, Sullivan immediately<br />
proceeded to book the band<br />
for his show.<br />
Dressed in suits and sporting mop<br />
top haircuts, the Beatles played<br />
“All My Loving,” “Till There Was<br />
You” and “She Loves You.” After<br />
a break, they encored with “I Saw<br />
Her Standing There” and “I Want<br />
to Hold Your Hand.” But they<br />
could hardly be heard over the<br />
screams from the live audience. It<br />
was reported that 45.3 percent of<br />
all households in the United States<br />
watched the show. The program<br />
helped raise awareness of the<br />
group and fostered a rabid hunger<br />
for their music. A week later,<br />
the Beatles were on the cover of<br />
Newsweek magazine They would<br />
subsequently appear on The Ed<br />
Sullivan Show three more times.<br />
The Beatles’ arrival was game<br />
changing for the music industry.<br />
They paved the way for<br />
other bands, including the Rolling<br />
Stones and The Animals. Their<br />
revolution still impacts musical<br />
culture to this day.<br />
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Through the Eye of the Artist<br />
Shapes and symmetry motivate local artist<br />
by Thomas W. Miller Ph.D.<br />
ABPP, Staff Writer<br />
Seasoned artists create paintings<br />
that capture natural beauty in their<br />
art. At a recent art show here in<br />
Lexington, I was drawn to a work<br />
that encompassed the realism and<br />
depth of flowers.<br />
Elaine Hiatt, a local artist, says as<br />
a child she never had an opportunity<br />
for expressing her love of art.<br />
She developed a feeling for art and<br />
painting through the Osher Lifelong<br />
Learning Institute (OLLI)<br />
at the University of Kentucky, a<br />
program that offers a variety of<br />
programs for Kentucky residents<br />
age 50 and older.<br />
Hiatt first studied under Jennifer<br />
Bacon. Several aspects of art<br />
that are appealing to her include<br />
repeating shapes, patterns and<br />
symmetry. Colors are realized in<br />
floral arrangements, particularly<br />
colors that complement and enhance<br />
each other. She also enjoys<br />
textures, as well as presentation<br />
and framing. Hiatt’s favorite objects<br />
are flowers and landscapes.<br />
She says she likes to “capture the<br />
natural beauty of the flower.” She<br />
often paints fresh flowers provided<br />
and arrangements made by Mary<br />
Neely at Artist’s Attic in Lexington.<br />
Hiatt notes that she is still learning<br />
and seeks eagerly workshops that<br />
will add to her tool kit of skills.<br />
She says she continues to search<br />
and search for “the new and the<br />
exceptional” and “loves learning<br />
something new.” She appreciates<br />
sharing ideas with other artists<br />
through critiquing each other’s<br />
work. She also enjoys sharing<br />
her skills with other artists and<br />
especially with her granddaughter,<br />
Katie. When Katie was just 5<br />
years old, she began painting with<br />
Hiatt and is now a graduate of the<br />
prestigious Savannah School of<br />
Art and Design.<br />
Art is powerful, not just for its<br />
beauty or the talent needed for its<br />
creation, but because it can cause<br />
emotion, make social statements<br />
and challenge preconceived ideas.<br />
Of course, not all works of art are<br />
intended to be so thought-provoking.<br />
Hiatt’s artwork on display<br />
does just that, though. Hiatt says<br />
not only talent but tenacity lead<br />
her to create the exact object of<br />
her painting. She says many artists<br />
don’t complete some of their<br />
ARTIST Continued on Page 31
JAN/FEB 2 0 1 4<br />
Understanding Your Credit<br />
Score<br />
It’s more than just one number<br />
by Angela S. Hoover,<br />
Staff Writer<br />
A credit score is<br />
a number that<br />
summarizes your<br />
credit risk, based on your credit<br />
report at a particular point in time.<br />
Potential lenders use this score<br />
to evaluate the risk of extending<br />
credit to someone.<br />
There are three major reporting<br />
bureaus where all credit and<br />
payment histories are reported<br />
and stored: Equifax, Experian and<br />
TransUnion. All three agencies<br />
will have a different credit score<br />
based on the information of its<br />
credit report. Everyone has more<br />
than 40 different credit scores,<br />
not a single credit score as is often<br />
stated in advertisements.<br />
There are so many different credit<br />
scores because banks and other<br />
lenders use several different lenses<br />
to evaluate people’s ability to<br />
manage credit. A particular lender<br />
may use one or a combination of<br />
several credit scores to make a determination<br />
about an application.<br />
These scores come from the three<br />
bureaus and in-house models. The<br />
two most popular scores are the<br />
FICO and VantageScore.<br />
FICO, the oldest model, was established<br />
in 1956 by the Fair Isaac<br />
Corporation. Its primary business<br />
is selling proprietary scoring systems<br />
to lenders and credit bureaus<br />
to evaluate lending risk. Originally<br />
used to calculate mortgage default<br />
risk, FICO has evolved to apply<br />
to many different types of credit.<br />
Today, people have six FICO<br />
scores: generic, mortgage, auto,<br />
bankcard, installment loan and<br />
personal finance. Additionally,<br />
each of the three bureaus has their<br />
own models to change the FICO<br />
scores, each with distinct variations<br />
for the six categories. This<br />
means everyone has a minimum<br />
of 16 separate FICO credit scores.<br />
The general weighted components<br />
of a FICO score are:<br />
• 35 percent – payment history<br />
• 30 percent – amounts owed<br />
• 15 percent – length of credit<br />
history<br />
• 10 percent – types of credit in<br />
use<br />
• 10 percent – new credit<br />
The VantageScore was launched in<br />
2006 as a collaboration between<br />
the three credit bureaus to help<br />
them compete with FICO. Just as<br />
with the FICO scores, a Vantage-<br />
Score can be tailored for particular<br />
lenders and types of credit.<br />
In addition to these 20 or so<br />
FICO and VantageScores, there<br />
about 10 to 20 other direct-toconsumer,<br />
application risk and<br />
customer risk scores (also called<br />
behavior scores). Higher scores<br />
are better. This is the breakdown:<br />
• 760-850: Excellent<br />
• 700-759: Very Good<br />
• 660-699: Good<br />
• 620-659: Fair<br />
• 619 or less: Bad<br />
Each lender will have their own<br />
parameters from which to judge<br />
your credit scores. And with the<br />
flexibility to customize the FICO<br />
and VantageScore models for specific<br />
purposes, hundreds of credit<br />
scores are possible.<br />
Checking and<br />
Improving Your<br />
Credit Scores<br />
Everyone is entitled to one free<br />
credit report a year at www.annualcreditreport.com.<br />
You can<br />
also buy your report directly from<br />
each of the bureaus or all three at<br />
www.myfico.com. Widely advertised<br />
third-party companies also<br />
offer free credit reports. Read the<br />
details to see which agency and<br />
score the company is providing.<br />
For instance, if the company uses<br />
Experian, you will either receive<br />
the FICO Experian Risk Score or<br />
the VantageScore.<br />
Here are some ways<br />
to improve your<br />
credit score:<br />
• Always pay in full and on time.<br />
• Increase your credit limit if<br />
possible.<br />
• Pay off balances and don’t carry<br />
revolving debt if you can avoid<br />
it.<br />
• If you have bad or no credit,<br />
don’t apply everywhere for<br />
credit; an inquiry deducts about<br />
five points off your score. To<br />
lenders, six or more inquiries<br />
indicates a likelihood of filing<br />
bankruptcy.<br />
• Don’t close old accounts; this<br />
could lower your score, and if<br />
you had a late payment it will<br />
not disappear from your credit<br />
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report just from closing the<br />
account.<br />
• If you must close accounts,<br />
close newer ones because longestablished<br />
credit relationships<br />
score well.<br />
• Avoid opening a lot of new accounts<br />
at once, especially if you<br />
don’t have a long credit history.<br />
A good rule of thumb is to have<br />
no more than five credit cards.<br />
• Fix bad credit. Work to have<br />
inaccurate information removed.<br />
For more serious issues,<br />
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3 0 JAN/FEB 2 0 1 4<br />
Person of Interest<br />
Charisse Gillett<br />
Seminary President Stresses Power of<br />
Lifelong Learning<br />
by Jamie Lober, Staff Writer<br />
Lexington Theological Seminary<br />
(LTS) is a graduate institution<br />
accredited for the Master of Divinity,<br />
Master of Arts, Master of Arts<br />
in Pastoral Studies and Doctor<br />
of Ministry degrees. Founded in<br />
1865, it is not new, but the growing<br />
percentage of older students<br />
coming to the seminary is a new<br />
phenomenon.<br />
Charisse Gillett, President of LTS,<br />
has welcomed the surge of mature<br />
students with open arms. She<br />
feels strongly about the power of<br />
lifelong learning.<br />
“In our student population, the<br />
average age is 46, so many would<br />
be considered second-career<br />
students,” Gillett said. “They had<br />
a career as a teacher or doctor and<br />
are responding to wanting to be a<br />
minister or pastor a church.”<br />
Gillett feels there is a connection<br />
among everyone at the seminary.<br />
“Whether they are second career,<br />
raising families or married, when I<br />
think about them, I actually identify<br />
with them and the idea that<br />
God has called them at this point<br />
in their life to pursue an education<br />
and to pastor a church,” said Gillett.<br />
It is not always an easy journey.<br />
“There are challenges that come<br />
along with going back to school,”<br />
Gillett said. “You have to find a<br />
way to manage your time so you<br />
are able to care for your children<br />
and spouse and still do justice to<br />
your studies. Finding time to be<br />
reflective about your own place in<br />
life and time management can be a<br />
huge challenge.”<br />
LTS offers students the chance to<br />
pursue various interests. “Students<br />
study the history of the Bible,<br />
Greek and scripture. They learn<br />
how God helps people and how<br />
they can help the members of their<br />
congregations understand why<br />
faith is important to them today,”<br />
said Gillett.<br />
Becoming the seminary’s President<br />
was a clear course for Gillett.<br />
“I had been working in higher<br />
education for about 28 years and<br />
had always been committed to<br />
it,” she said. “My undergraduate<br />
degree is in social work and I have<br />
two graduate degrees in higher<br />
education.”<br />
She utilized her skills to the greatest<br />
capacity. “I worked as a trustee<br />
of the seminary for about six or<br />
seven years, and then I became the<br />
main employee responsible for<br />
admission and recruitment,” she<br />
said. “Then I became President.”<br />
Gillett, who is married to a minister,<br />
Rev. Dr. Donald Gillett III,<br />
describes herself as a Christian and<br />
an educator. “The work that I do as<br />
President is a good combination<br />
of what I care about in terms of<br />
education and what I care about<br />
in terms of faith,” she said. “I hope<br />
it is obvious that I care about the<br />
opportunity for every person to<br />
achieve their goals through education.<br />
One of the things I get to do<br />
as President is I have a chance to<br />
meet with people who care about<br />
the same things that I do, and an<br />
obvious benefit is to talk to people<br />
who care about education, faith<br />
and community.”<br />
Gillett is thankful she chose this<br />
course. “I am hopeful for the future<br />
and pray for a long tenure at the<br />
seminary,” she said. “We are a place<br />
where both clergy and laypeople<br />
can come and study and be encouraged<br />
to grow in their faith.”<br />
It is never too late<br />
to get involved,<br />
whether you want<br />
to take classes towards<br />
a degree or<br />
just enroll in continuing<br />
education<br />
classes. “We have<br />
classes that start<br />
year round,” Gillett<br />
said. “If someone<br />
is interested in the<br />
seminary or learning<br />
more about<br />
us, they can either<br />
call us or go to our<br />
Web site [www.<br />
lextheo.edu] and<br />
our director of<br />
admissions would<br />
be happy to guide<br />
them through the<br />
process.”<br />
I hope it is obvious that I care about the<br />
opportunity for every person to achieve<br />
their goals through education.”<br />
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SAFETY continued from Page 14<br />
and be prepared to give CPR if<br />
necessary.<br />
Driving Safety<br />
Braking time can be up to nine<br />
times longer in snowy or icy conditions.<br />
If your vehicle begins to<br />
skid, let off the gas and brakes and<br />
use a quick hand-over-hand steering<br />
technique to turn the front<br />
tires in the direction you want to<br />
go. Keep your gas tank half full to<br />
prevent the fuel line from freezing.<br />
Make sure your tires have<br />
adequate air and routinely check<br />
the tire pressure during winter.<br />
Keep wiper fluid full and replace<br />
shoddy wiper blades. Keep a<br />
long-handled windshield scraper<br />
handy. Store an emergency kit<br />
in your vehicle. Good things to<br />
include in it are: blankets, extra<br />
clothing, water, flashlight, batteries,<br />
battery-operated radio, phone<br />
charger, chemical heaters, jumper<br />
cables, written list of emergency<br />
contacts and any relevant medical<br />
information (conditions, blood<br />
type, allergies, medications), cat<br />
litter or sand for tire traction, a<br />
small shovel, flares, first-aid kit<br />
and non-perishable, high-energy<br />
foods such as nuts and granola<br />
bars. Don’t leave your vehicle<br />
if you’re stranded; wait in it. If<br />
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SAVE continued from Page 15 Personnel effects<br />
II. Why do you need estate<br />
you don’t want to rely on Social planning?<br />
Security, relatives or social services Planning is your strategy to overcome<br />
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wealth during life and transferring it<br />
after death. The principal obstacle all<br />
Chrysantha Clark, CFP® may be of us face in planning our estates are:<br />
reached at Keystone Financial 1. SUCCESSION<br />
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2. DEATH TAX (Federal Estate<br />
Tax)<br />
www.keystoneky.com<br />
3. CONSERVATORSHIP<br />
4. IT IS A PUBLIC PROCESS<br />
* This is a hypothetical example and is not representative<br />
of any specific situation. Your results will<br />
5. LONG DELAYS, UP TO 2<br />
vary. The hypothetical rates of return used do not<br />
YEARS OR MORE<br />
reflect the deduction of fees and charges inherent to 6. VERY COSTLY<br />
investing.<br />
7. AGGRAVATION and STRESS<br />
There is no guarantee that a diversified portfolio III. What methods are used to<br />
will enhance overall returns or outperform a nondiversified<br />
plan an estate?<br />
portfolio. Diversification does not protect<br />
against market risk.<br />
There are three basic methods we<br />
can use to plan an estate?<br />
This material was prepared by MarketingLibrary.Net<br />
Inc., and does not necessarily represent the views of<br />
1. Do nothing<br />
the presenting party, nor their affiliates. All information<br />
2. Create a Will<br />
is believed to be from reliable sources; however<br />
3. Establish a Revocable <strong>Living</strong><br />
we make no representation as to its completeness or<br />
accuracy. Please note - investing involves risk, and<br />
Trust<br />
past performance is no guarantee of future results. IV. What happens if I do<br />
The publisher is not engaged in rendering legal,<br />
Nothing?<br />
accounting or other professional services. If assistance<br />
is needed, the reader is advised to engage the services Believe it or not, a majority of<br />
of a competent professional. This information should Americans choose to do nothing.<br />
not be construed as investment, tax or legal advice<br />
and may not be relied on for the purpose of avoiding It has been reported that 70% of all<br />
any Federal tax penalty. This is neither a solicitation Americans have no estate plan. As<br />
nor recommendation to purchase or sell any investment<br />
or insurance product or service, and should not<br />
a consequence, upon their death,<br />
be relied upon as such. All indices are unmanaged and state law dictates how their Estate<br />
are not illustrative of any particular investment.<br />
is distributed. Unfortunately, the<br />
government’s plan has no particular<br />
concern for the best interest in your<br />
family.<br />
V. Is creating a Will a good<br />
THE YEAR WAS 1985… idea?<br />
Many people plan their Estates by<br />
creating a document called a Last<br />
Citations.<br />
1 - money.cnn.com/2012/08/15/pf/expert/latestart-retirement.moneymag/<br />
[8/15/13]<br />
2 - irs.gov/uac/IRS-Announces-<strong>2014</strong>-Pension-<br />
Plan-Limitations;-Taxpayers-May-Contribute-upto-$17,500-to-their-401%28k%29-plans-in-<strong>2014</strong><br />
[11/4/13]<br />
3 - forbes.com/sites/ashleaebeling/2013/11/01/retirement-savings-for-the-self-employed/<br />
Girls” were fast becoming friends [11/1/13] on their first season on TV.<br />
Ronald Reagan was the 40th president.<br />
“The Golden<br />
A gallon of gas cost one dollar and twenty cents.<br />
the vehicle is still running, keep<br />
the exhaust pipe clear to prevent<br />
carbon monoxide poisoning. Tie<br />
Will and Testament. A Will is legal<br />
TRUST continued from Page 22<br />
something brightly colored to And<br />
declaration of how someone wants<br />
your antennae or outside mirror. The Lafayette<br />
ships, corporations, sole proprietorships)<br />
death. Unfortunately, a Will is avery<br />
his or her assets distributed after<br />
Run the engine no more than<br />
10 minutes every hour, leaving a opened 3. Investments (stocks, bonds,<br />
THE YEAR WAS THE 1985… YEAR WAS 1985… poor Estate Planning document<br />
Ronald annuities, Reagan was the 40th tax president. shelters, Ronald Reagan CDS) was the 40th president.<br />
downwind window slightly open<br />
in many cases. A Will guarantees<br />
“The its Golden doors.<br />
Girls” were fast becoming “The friends Golden on their Girls” first were season fast becoming on TV. friends on their first season on TV.<br />
A 4. gallon of Insurance gas cost one dollar proceeds<br />
and twenty A gallon cents. of gas cost one dollar and twenty cents.<br />
for ventilation.<br />
probate.<br />
And And<br />
These New Year’s The Resolutions Lafayette Are The Easy Lafayette to Keep!<br />
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690 Mason Headley Road • Lexington, KY 40504<br />
690 Mason Headley Road • Lexington, 859-278-9080<br />
KY 690 40504 Mason Headley Road • Lexington, KY 40504<br />
859-278-9080 www.LafayetteLexington.com 859-278-9080<br />
www.LafayetteLexington.com ©2013 Five Star Quality Care, www.LafayetteLexington.com<br />
Inc.<br />
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3 1<br />
VI. What is Probate?<br />
Succession is the mandatory court<br />
proceeding which completes all<br />
the legal and financial matters of<br />
the decedent. If there is a Will, the<br />
Probate Court reviews it and rules<br />
on it validity. It pays off all creditors<br />
and inventories all assets. Finally,<br />
it changes the title of all the assets<br />
from the name of the decedent to<br />
the names of the beneficiaries name<br />
in the Will. This procedure usually<br />
takes one to three years.<br />
VII. What are the disadvantages<br />
of Probate?<br />
For benefits of court supervision in<br />
Probate, your family will pay a heavy<br />
price.<br />
Excessive fees: Attorney’s fees, Executor’s<br />
fees, Appraisal fees, Court<br />
filing fees and Bond Premiums are<br />
in some circumstances, astronomical.<br />
Excessive delays: Probate averages<br />
between six months and three years<br />
to complete, depending on the<br />
complexity of the Estate. It has been<br />
reported that the national average is<br />
almost two-year delay.<br />
VIII. Have a Revocable Trust;<br />
Make an Easy Transition without<br />
Courts.<br />
ARTIST continued from Page 28<br />
paintings, but it is her determination<br />
that leads her to complete her<br />
efforts.<br />
Hiatt credits Ann Pass and Mary<br />
Neely of Artist’s Attic in Lexington<br />
with the artistic progress she<br />
has made in her paintings. For<br />
the artist, art often tells a story or<br />
evokes a specific emotion.<br />
“Painting is so satisfying that it<br />
allows me to cope with stress and<br />
understand the realness in my<br />
life,” Hiatt said.<br />
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<strong>Living</strong> Life<br />
We haven’t opened yet, but you can<br />
already start enjoying some of the benefits.<br />
The Willows at Citation believes in living life with<br />
no boundaries or limitations! Experience life to<br />
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We provide our residents with activities, a funfilled<br />
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Begin <strong>Living</strong> Life Today!<br />
You’re invited to our Town Meeting!<br />
The Willows at Citation<br />
859-277-0320<br />
willowsatcitation.com<br />
December 3 rd , 6:00 p.m.<br />
The Willows at Hamburg<br />
2531 Old Rosebud, Lexington, KY 40509<br />
Light Refreshments Served & Door Prizes!<br />
For more information please call 859-277-0320.