prime march 2011
DESCRIPTION
Prime March 2011TRANSCRIPT
march 2011
Primeyour life...your time
meet Loretto’s empLoyee of the
month. ...page 7
how wiLL the new tax Law affect you?
...page 6
prime health
prime finances
prime people
c onsidering updating your
Look? there are cosmetic proceedures
without surgery. ...page 3
splash Make a
this spring at the Y
2 marchPrime2011 eagLenewspapers
A monthly publication devoted to Central New Yorker’s in the “Prime” of their lives.
Prime is published monthly by Community Media Group LLC, 2501 James St., Suite 100, Syracuse, NY 13206.
Primeyour life...your time
questions, comments, news? email [email protected]
publisher David B. Tyler
editor Jennifer Wing, 434-8889, ext. 340
salesHeidi Tyler 434-8889 ext. 320Joan Brockway Griffiths, 662-3690Jack Gardner, 434-8889 ext. 304
Why not the ‘Y?’Programs promote physical activity, form friendships
cover story
By Jennifer wing
Wouldn’t it be great to have a place to go where you can spend time with like-minded people all working towards a goal of keeping fit and active?
● A place that offers enough options for exercise that you can either focus on one discipline that is best suited to your needs and abilities or experience a variety of activities in order to get the most com-prehensive workout?
● A place where you can form friend-ships, if you like, or focus inward, on re-
freshing the mind, body and spirit?The East Area Family YMCA, now
officially known as the “Y,” is that place.
With activities for all ages and abilities, the bustling building located in Fayetteville seems to always be filled with laughter, friendly staff and, of course, group exercise classes.
In the lobby you will find people sitting around tables, talking, work-ing on homework, reading the paper or filling out applications for membership. The lobby desk is where members check in, “oops” cards are handed out to mem-bers who forgot their own ticket into the Y, and membership applications and other member-related services are addressed. The administrative offices are located behind the front desk, and that is where you’ll find Nadine Zesky, former Manlius Police officer and current senior coordina-tor at the Y.
Zesky, who is in her early 40s, retired as a family service investigator on the force two years ago and found she missed inter-acting with the community. In her position with the Manlius Police, she worked with families, kids and also investigated crimes against seniors.
“I found that I needed to be busy, and I missed helping people, so when this posi-tion came up, I thought it was perfect,” Zesky said.
Turns out, she was right. “It is so rewarding,” she said. “The best
part is meeting all the seniors. Some of
them have amazing life stories.”
Since starting in the position in Sep-
tember, Zesky has seen first hand the benefits of the
many classes offered at the Y.“The classes are packed,” she said. “The
seniors really enjoy the classes we offer here – and the improvements in their health, the friendships they make, it’s great to see.”
In agreement with Zesky is Erin Coelho, total health aquatic fitness coordinator at the Y.
“The students are building a commu-nity of friendships while moving and having a good time,” Coelho said. Water aerobics, offered several times during the week, is particularly pop-ular among older adults.
“It’s a great way to ex-ercise that is easier on the joints,” Coelho said. But that doesn’t mean it’s not a demanding discipline.
“When you are in the water, there are 360 de-grees of resistance. Any way you move, you are getting resistance train-ing.” The time spent in the water is also supple-mented with strength training using weights.
“As women get older, it is important that they also do weight bearing
activities,” Coelho said. She added that there are many benefits to the combination of water exercise and weight training, and she has witnessed great improvement in participants in the program.
“They have better balance, are feeling better and move more,” she said. “They also have better mobility in their joints and are finding, in some cases, they can lower their medication [doses].”
These benefits then affect other areas of the members’ lives. “They find, when they go on vacation, they can walk around and see the sights. One woman couldn’t walk up the stairs to get to the fitness area and had
to use the elevator, but as she continued to go to class, she then was able to climb those stairs. It’s inspiring, really.”
Other popular class-es include Silver Sneak-ers and Zumba Gold.
“The students love them,” Zesky said. “It’s fun.”
One group of women who participate in class-es each week agreed.
“I take two classes every day,” Lee Potter, 75, of DeWitt, said. “Including Morning Movers, Zumba Gold, stability ball class, Silver Sneakers and pilates. I’ve been doing it for almost three years at the
ABOVE: Lee Potter, Alice Randal, Mary Lou Pritchett and Agnes Murnane enjoy a cup of joe after class in the lobby of the East Area Family YMCA in Fayetteville. RIGHT: YMCA Senior Coordinator Nadine Zesky, left, and Erin Coelho, total health aquatic fitness coordinator at the Y.
photos by Jennifer Wing
membership rates (per month)
Family: $69.50 Adult: $49.00
Senior (62-plus): $42.00 Senior Couple (62-plus): $59.50
Senior exercise classesFor a description of classes
and more information visit ymcaofgreatersyracuse.org or call 474-6851.
Morning MoversTotal Health Support
NiaCycle “Starters”
Monday MarchersSilver Sneakers
Zumba GoldResist a Ball
Deep Cardio and CoreAOA Strength
Silver Sneakers Plus Yoga
water exerciseAqua Blast
Deep/Shallow FusionAqua Pi Yo Chi
Aqua Hi/LoDeep Waves
ArthritisForever Fit
The water aerobics class at the East Area Family YMCA is very popular.
See YMCA on page 7
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prime health
medicare: Q&a chats scheduled for new enrolleesSeniors looking to get the most from their new Excellus BlueCross BlueShield Medicare
Advantage coverage, Part D plan or fitness benefit can attend a free, one-hour Q&A Chat with an Excellus BlueCross BlueShield Medicare representative. Q&A Chats are scheduled on the following dates. Refreshments will be served.
Monday Feb. 28, 1 p.m., Holiday Inn, 75 North St., AuburnThursday March 3, 11 a.m., Genesee Grande Hotel, 1060 E. Genesee St., SyracuseTuesday March 8, 11 a.m., EconoLodge, 70 East First St., OswegoMonday March 28, 1 p.m., Holiday Inn, 75 North St., AuburnThursday March 31, 2 p.m., Holiday Inn, 6555 Collamer Road, SyracuseFor other dates and locations and to register, visit MyExcellusMedicare.com/Chats. Or call
(800) 236-5779 Monday through Friday from 8 a.m. to 8 p.m. Through March 1, representatives also are available on weekends from 8 a.m. until 8 p.m. TTY users can call (800)421-1220.
Excellus BlueCross BlueShield contracts with the federal government and is a Medicare Advantage organization with a Medicare contract.
aarp: cLass program an option to plan for long-term care The Community Living Assistance Services and Supports (CLASS) program is a voluntary
insurance option for long-term services and supports created in the Affordable Care Act.“American families are struggling with the staggering cost of long-term care while state
governments look to reduce costs in their Medicaid programs—the largest payers of long-
Insurance news
can look as young as they feel with
non-surgical proceduresBaby boomers are entering their “golden
years” more active, vital and youthful than virtually any generation before them. So it’s no surprise that many of them want to look
as young as they feel.“The baby boomer clientele who come to
our practice aren’t necessarily interested in look-ing like movie stars,” says Dr. Alfred Sofer, a board
Certified Plastic Surgeon, who owns the Plastic Surgery Center of Fairfield, Conn. “They eat well and
exercise regularly, they take care of themselves, and they want their appearance to be as healthy and youthful as
their lifestyle.”
Thinking of updating
your look?Boomers
See Cosmetic on page 4
See Insurance news on page 4
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As skin ages it loses elasticity, and many people of the baby boom generation (born between 1946 and 1964) are finding their outward age just doesn’t match their inner age. In addition to wanting to feel better about their appearance, many boom-ers also realize the value of a youthful look when competing for job oppor-tunities.
Many are opting to rectify the situation with cosmetic procedures, from minimally invasive techniques to breast lifts and tummy tucks. More than 12 million elective cosmetic pro-cedures were performed in the U.S. last year, according to the American Society of Plastic Surgeons.
Dr. Sofer points to three popular non-surgical procedures that have helped many of his baby boomer clients look younger:
Dermal fillers: Loss of facial full-ness and the development of wrin-kles, especially beneath the eyes (tear trough) and in the lines from your nose to the corners of your mouth (nasolabial folds), are early signs of aging. Injectable fillers safely and effectively fill in those lines, without the downtime and discomfort of surgery.
Dermal fillers can also make thin lips appear plumper, enhance shallow contours, soften creases and wrinkles, fill and lift the cheeks, improve the appearance of scars and improve the jaw line. Popular fillers include : Restylane, Juvederm and Radiesse, each with their advantages for certain areas.
BotoxThere’s a reason many aging Hollywood stars swear by Botox. Muscle contractions
when you squint, frown or smile are the main cause of wrinkles and lines. When facial muscles contract, the skin furrows and folds. Over time and years of repeated contrac-tions, wrinkles can become permanent, even when muscles are resting.
Injecting prescription Botox medications into the facial muscles can help improve the appearance of moderate to severe frown lines. Many people like it because Botox reduces lines and wrinkles without causing substantial changes in facial appearance; you won’t look like you’ve had “work done.” Plus, it’s fast – most people see results in just one to ten days after treatment.
MicrodermabrasionThe uppermost layer of our skin is exposed on a daily basis to free radicals, toxins and sun damage. Removing that layer can help skin look younger, more supple and refreshed.
Microdermabrasion softens and brightens the skin by using suction and crystals to gently resurface the most superficial layer. The procedure also diminishes the appear-ance of fine lines and wrinkles, enlarged pores and coarse, textured skin.
“Baby boomers are working longer, remarrying and practicing healthier lifestyles,” Sofer says. “There is no typical cosmetic procedure client anymore. I’ve worked on mothers and fathers, office workers, sales people and men and women with high-profile jobs. What they all have in common is a desire to have their faces and bodies reflect how they feel and think, not just their chronological age.”
For more information on fillers, botox, microdermabrasion and other non-surgical and surgical procedures, drsofer.com
term care,” AARP Executive Vice President John Rother said in a statement about CLASS. “[This program] gives Americans a new option to plan for the cost of long-term services and supports through a vol-untary insurance program. At the same time, the program will help take some of the burden off of Medicaid over time as more people are able to plan and pay for their own care.
“We know that 86 percent of our members want to live in their homes for as long as possible, yet too few are able
to get the services they need to continue living independently. The CLASS program can help offer peace of mind to American families and help cover some of the costs of services and supports they need to live independently in their homes and com-munities. AARP is committed to giving our members and all older Americans the information they need in the coming months and years to decide if CLASS is right for them.”
For more information, visit aarp.org/getthefacts.
Many baby boomers are finding their outward age just doesn’t match their inner age.
Cosmetic from page 3
Insurance news from page 3
78th Annual Tigris Shrine Circus
April1, 2, & 3,
2011
SHOWS:Friday, April 1, 2011 7:00PM
Saturday, April 2, 2011 10:00AM, 2:30PM, 7:00PMSunday, April 3, 2011 1:00PM, 5:00PM
Each show approx. 2 1/2 hours (includes 1/2 Intermission)
(Attendance Limited to 4,000 Seats Per Show)
FREE PARKINGPurchase Advanced Sale
General Admission Tickets atwww.tigrisshrinecircus.com
(Buy 3, get 1 complimentary ticket!)*Website Purchase ONLY*
-no hidden fees!-ADVANCE SALE TICKETS:
$10,00 Each (All ages)There will be no Reserved Seating
Available First come, first servedThe two box offices located at the Coca-Cola Coliseum will be open one hour before each
performance for the sale of general admission tickets at $13.00 each.
Advance sales tickets can also be purchased at a designated store near you! OR
www.tigrisshrinecircus.com
TIGRIS SHRINE CIRCUS135 State Fair Boulevard Syracuse, NY 13204-1148
Phone: (315) 478-0277 •Fax: (315) 478-0278
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by Patrick VanBeveren, Physical Therapy Supervisorfor The Centers at St. Camillus
Tip of the MonthThe Concept of Reserve
You get old, you lose strength, yourbalance gets worse, you lose staminaand you’re not quite as flexible as youused to be. But, does everyone losephysical capacity at the same rateand end up at the same functionallevel? Our experience would tellus no. It appears that some people“age” better than others, with somepeople barely “aging” and others“aging” really quickly. What deter-mines how much physical capacitywe lose and at what functional levelwe end up?
It is pretty simple. Physical activityis largely the determinant. Exerciseis one form of physical activity. Walk-ing to church, parking the furthestfrom the store, and walking up thestairs in buildings are all forms ofphysical activity.
Loss of capacity startsat age 30 and declinesabout 1% per year onaverage. After the ageof 60, the loss accel-erates to 2 – 3%per year. But that’saverage. Verysedentary indi-viduals losemuch morerapidly and
people who are really active andexercise age much more slowly.And then, there is the concept ofreserve.
When we are young, we have goodphysical capacity. If we are active,exercise, and work hard we add tothat physical capacity and create re-serve. The more reserve we develop,the longer it will take to lose as weage. This is true for most body sys-tems including muscles, bones andthe cardio-respiratory systems. Ifwe go into older age with strongmuscles, strong bones and a robustcardio-respiratory system,it makes sense that we’llmaintain our function fora longer period of time.
It’s never too late to buildreserve. So, get out andget active. Challengeyour endurance, strength,and flexibility, and startbuilding your reserve today.
Works for your mind, too!
syracuse, ny • 315-488-2951www.st-camillus.org
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� marchPrime2011 eagLenewspapers
prime Finances
See Tax law on page 11
Does the new tax law affect me?David J. Zumpano started the
Law Offices of David J. Zumpano, remaining “of counsel” to his former firm. Since, his firm has grown 20-fold and is now known as the Estate Planning Law Center, which serves as a “model law firm” for hundreds of law firms across the country. In addition to his law firm, Zumpano owns and operates Medicaid Practice Systems, LLC, which has educated attorneys all over the United States on how to provide successful medicaid planning strategies to clients.
Congress and President Obama passed a new tax bill in the last week of December 2010. So, what does it mean to you? In 2001, President Bush, with Congress, enacted massive tax changes that were set to expire on December 31, 2010. Liter-ally, on the eve of the 2001 law expiring, President Obama and Congress extended many of the tax laws implemented by Presi-dent Bush, and in several areas, even expanded them. If the laws had reverted back to the 2001 levels on January 1, 2011, the top income tax rate would have been 39.6 percent, rather than the current 35 percent, and capital gains could have been taxed as high as 28 percent, rather than the 15 percent maximum in the new law. Perhaps, the greatest changes in the new law, however, related to estate taxes.
The new law provides that each individual can die with $5 million in assets before they will be subject to estate tax, and if subject to tax, it is at a 35 percent rate. If the law had expired, the limit would have been only $1 million with a 55 percent maximum tax rate. In addition, the new law increased an individual’s lifetime gift exemption from $1 million to $5 million. Essentially, each person can now give up to $5 million away in their lifetime without any gift tax conse-
quence. While the federal law made these major changes, New York State has not made changes and taxes individuals who die with estates in excess of $1 Million.
Perhaps, the most surprising element in the new federal estate tax law came with the portability of the estate tax to a surviving spouse. Prior to the new law, if one spouse died, he or she would’ve needed to cre-ate trusts at death, to utilize the $5 million exemption provided by the government, or it would’ve been lost. Under the new law, the use of trusts are no longer required after death to preserve an exemption, but rather, a surviving spouse may elect to assume the unused credit of the deceased spouse. In essence, this may permit a surviving spouse
Need to boost retirement income? Consider variable annuities
Here’s a sober-ing statistic: 46 percent of workers surveyed had little or no confidence that they will have enough money to live comfortably throughout their retirement years, according to the 2010 Retirement Confidence Sur-vey, issued by the Employee Benefit Research Institute. So you may want to explore all possible retirement savings vehicles — including a vari-able annuity.
Generally speaking, when saving for retirement, it’s a good idea to contribute as much as possible to your Individual Retirement Account (IRA) and your 401(k) or other em-ployer-sponsored retirement plan. But if you’ve fully funded those plans for the year, and you still have some money left to invest, you may want to consider a variable annuity, which offers these benefits:
Tax deferred earnings — Your
variable annuity’s earnings have the opportu-nity to grow tax deferred, which means your in-vestment dollars can accumulate faster than if
they were placed in an investment on which you paid taxes every year. When you eventually make with-drawals, your earnings will be taxed at your ordinary income tax rate. (For nonqualified annuities, you won’t have to pay additional taxes on the amount you contributed.) There are no tax advantages to investing in a variable annuity with qualified money.
A variety of investment options — Variable annuities allow indi-viduals to invest in several different professionally managed invest-ments, known as “subaccounts.” You can choose the subaccounts that best fit your risk tolerance, time
See Income on page 12
Attorneys: David J. Zumpano • Ryan F. Coutlèe • Jennifer M. McDonnell • Elizabeth A. Evans Legacy Building • 555 French Road, New Hartford, NY 13413 • 315-793-3622 • Fax 315-793-0076
5789 Widewaters Parkway • Dewitt, NY 13214 • 315-446-3850 • Fax 315-793-0076
Call (315) 446-3850 for a Free Consultation or to Register for a Free Workshop, “The 7 Threats to Your Family Security”- March 15th, 2:30-4:30 pm @ 5789 Widewaters Pkwy, DeWitt
Avoid LosingYour Assets!
We Can Help... Keep it Simple!
Stay Home with Medicaid & VA Benefits
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Parkrose Pancake Breakfast raises funds for NOVA
By kim goodwin
The residents and staff of Parkrose Se-nior Living are so thankful for the services that NOVA, Northern Onondaga Volun-teer Ambulance, provides. In order to show their appreciation, Parkrose held a Pancake Breakfast on Jan. 29. Friends, families, staff members and residents all gathered to en-joy blueberry pancakes and hash browns. While enjoying the breakfast, guests were encouraged to tour the ambulance, interact
with volunteers and learn more about the services NOVA provides. The most exciting part was that Parkrose Senior Living raised $365 for NOVA. Juana Ranieri, the execu-tive director at Parkrose, said, “This is our small way of saying thank you to NOVA for all they do for our residents.”
NOVA was founded in 1994 and is a local medical transport service. They focus on neighbors helping neighbors and serve the Liverpool area.
Loretto names Employee of the Month
prime community
Khanh Duong is a 35 year Loretto Health and Rehabilitation Center employee who currently serves as the main housekeeper on the eighth floor of the Cunningham Skilled Nursing building. Duong was chosen as the center’s Employee of the Month for January of 2011 because “he takes pride in his work and is extremely conscientious, making sure that his rooms would be fit for his family.”
Duong came to the United States as a refugee from Vietnam. He first moved to Pittsburgh, PA, and then to Jordan and finally made his home in Syracuse. He is married with
five children; four sons located throughout the county, and one daughter who lives with him and his wife, Nguyet. Duong cites the reason he applied to the Loretto Health and Rehabili-tation Center for employment is that he sees the elderly as his family. Duong states, “They remind me of my family in Vietnam, and I am here to take care of them as my family.”
Loretto is grateful for Duong’s 25 years of service and true dedication to his job. For more information about the Loretto Health and Rehabilitation Center call 469-5570 or visit loretto-cny.org online.
Pictured from left is Khanh Duong, of Syracuse, NY, who was recently named the Loretto Health and Rehabilitation Center’s Employee of the Month for January of 2011, with Lisa Maxwell, of Pompey, NY, Loretto Health and Rehabilitation Center administrator.
Y, which has such a wide variety of oppor-tunities and special events as well.”
“It keeps me going so I can travel and hike,” she said.
Sitting and enjoying a cup of coffee with Potter in the Y lobby were Agnes Murnane, Mary Lou Pritchett and Alice Randal, who said there is usually a group of vary-ing people who get together after class to enjoy some of the brew along with lively conversation.
“There’s a whole group of yoga people at 7:30 a.m. who get together,” she said. “The people who get together vary, and some-
times it is just women, but a lot of times there are men, too.” Randal does laps three times a week and participates in Zumba Gold classes.
“I think my husband likes it as much for the coffee as for the class,” Pritchett said, adding she felt Zumba Gold was a really popular class. “People just love it.”
Zesky said that is the purpose of the programs.
“The goal is to balance physical and social interaction in order to enhance the participants’ lives,” she said. “It is very re-warding to see such success.”
of CENTRAL NEW YORK, INC.
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BISHOP HARRISON APARTMENTS
300 Pond St., Syracuse, NYSubsidized Senior Housing
1 bedroom apartments for those 62 and older or long term
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Call for Application:315-476-8630
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YMCA from page 2
� marchPrime2011 eagLenewspapers
prime advertiser news
Spring is coming- are you protected from the bugs in your home?By Jennifer savastino
Spring is coming in Central New York., With Spring comes green glass, pretty flow-ers, leaves on the trees and BUGS! The bugs fly around your house, crawl in your house and basically become a nuisance. Often, ho-meowners believe that bugs are just a natural occurrence and there is nothing that we can do about it. Sometimes you will purchase some bug spray and try to combat the problem on your own. Unfortunately, this is one area that the “do-it-yourself” method is not usually the best option.
Your best defense against insect problems in your home is an exterior barrier treatment outside. When the bugs are kept off and away from the outside of your home, they have no way to get inside your home. This means that you will not have those pesky little critters wondering around your food or children. It also means that you will not need to have pesticides applied inside your home. While interior pesticide treatments are sometimes necessary and unavoidable, it is always best to minimize the amount of pesticides used inside your home.
Exterior pest control treatments can be done for Bees, Ants, Spiders, Boxelder Bugs, Cluster Flies and many other insects. When calling a pest control company regarding exterior barrier treatments, be sure to ask the following questions to ensure that your house will be protected:
● How long is the guarantee period? Make sure that you will be protected for the entire summer/fall season. You do not want to be
surprised with unexpected costs later in the season.
● How does the company handle the prob-lem if the insects do get inside your home?
●What is covered under the warranty? Ensure that everything around your house is covered under the warranty. Most packages should include your deck, shed, mailbox and light fixtures.
● Will the product that is being used leave any streaks or visible residue on your house?
The most important factor in choosing a Pest Control Company is your comfort level. Do you feel that the company has answered your questions thoroughly? Never do business with anyone that you do not feel comfortable with.
Jennifer Savastino is part-owner of Gannon Pest Control in Syracuse, NY. Jennifer is a lifelong resident of Central New York. She has owned Gannon Pest Control with her partners for 12 years. Gannon Pest Control is located on West Genesee Street in Syracuse.
AArp Chapter 243 meeting setAARP Onondaga Chapter 243 is holding a meeting at 12 p.m. at the
American Legion in East Syracuse, 139 W. Manlius Street. AARP Associate State Director Bill Armbruster will be speaking about Medicare. Refresh-ments available, free to the public. Call 263-9491 for more information.
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Alzheimer’sHow much do you know about the signs, symptoms and causes of this debilitating disease? Because of the increasing number of families facing life-altering decisions about Alzheimer’s, Keepsake Village at Greenpoint believes it is important to provide the public with an overview on this subject. We are offering a booklet that we trust will assist seniors and their families to better understand this disease and therefore better cope with its impact on their lives.
To receive your FREE copy of this informative booklet please call, email [email protected]
or send the coupon below to:
Keepsake Village at Greenpoint
Name:_________________________________________________Address: _______________________________________________City:______________________ State: ________ Zip:__________Phone: ________________________________________________
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ive Service helps stop the bees
Local…affordable…warrantied“Bee prepared...”
Gannon Pest Control’s Bee Preventative Service helps stop the bees Pay once in the Spring and you
are covered ALL SUMMER LONG!!
Gannon’s Bee Preventative TreatmentWhat will this do for you?
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prime advertiser news
Audibel Hearing Aids: Hear the world againAudibel Hearing Aids gives the hard of
hearing of Central New York a chance to hear the world again. The owner, Guenther Schmid, has been in the hearing aid business in Central New York for 25 years and has three offices located in North Syracuse, Oneida, and Pulaski.
The main office in North Syracuse accepts walk-ins as well as appointments in order to accommodate more people, said Joshua Miller, co-owner of Audibel Hearing Aids. The company currently treats over 8,500 patients in
Central New York, he said.“Most people wait five to ten years before
they come in to see us,” said Miller. “The sooner you come see us, the better for your hearing.”
Audibel is celebrating 50 years of Anthem Hearing Aids, designed to perform in the most challenging listening situations and every life-style. Anthem Intelliflex Technology hearing aids solves the most common complaint from hearing instrument wearers: the annoying whistling referred to as feedback. Anthem’s Whistlefree Feedback Cancellation is proven
to be the best feedback management system in the industry. It virtually eliminates buzzing and whistling.
Do you have trouble in noisier surround-ings hearing the voices around you? Anthem’s Superior Speech Locator filters out unwanted background noise to significantly improve your understanding of speech anywhere.
Additionally, with Anthem’s ClassiFi EA (environmental adapatation), which recog-nizes and adapts smoothly to optimize differ-ent sound environments such as wind, speech,
speech in noise, machine noise and other difficult hearing situations, this breakthrough technology will allow you to hear better than ever before.
Anthem also provides an industry first: breakthrough technology that allows you to use your cell or touch-tone phone to adjust your Anthem without using additional hard-ware.
Another innovative feature Audibel offers is their free video autoscopic test.
Estate planning includes the monument purchaseGlenn and Jeanne Candee are owners of Sweet-Woods Memorial Company, located in
Phoenix, Camillus, and in Brewerton. Sweet-Woods Memorial Company has been serving families throughout Central New York and surrounding areas with their memorial needs since 1932.
Their philosophy is simple: they provide you with the best quality granite, workmanship, and service possible, through the selection and personal design of a fitting memorial. They understand that this can be a positive part of the grieving process, to offer families an everlast-ing and personal tribute to their loved ones.
Since the beginning of human history, men have always built monuments for one basic reason… they want to remind present and future generations of the accomplishments of generations past. The very word monument means “to remind” or “to remember.” This “need to remember” is universal.
Monuments are built because someone lived, and not because someone died. Their pur-pose is to encourage respect, hope, and inspiration.
Monument designs are very personal and there is no single design than can be declared
See Audibel on page 11
See Sweet-Woods Memorial on page 12
Serving all of Central NY
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10 marchPrime2011 eagLenewspapers
madison county office for the aging inc. News
From the Desk of the Executive Director
Theresa Davis, OFA executive director
In brief
Help us meet our goalThe Office for the Aging needs your help; our fund drive
goal is to raise $75,000 by March 31, 2011. To date we have raised $ 64,901.00 leaving us short by $ 10,099.00. These are troubling times, but no one feels the effects of a struggling economy more than senior citizens living on a fixed income.
Programs offered by the Office for the Aging are needed to help our county’s elderly population remain at home as a pro-ductive part of their community. These programs are not only supported by local contributions, they depend on them. As outlined in the Older Americans Act of 1965, the mission of the Office for the Aging has been and continues to be, to advocate, assist, and provide services that will enrich the quality of life, and promote the independence and dignity of older individuals and their families.
Please show your support by sending your tax-deductible contribution of any amount to the Office for the Aging, Inc., 138 Dominic Bruno Blvd., Canastota, NY 13032.
essay contest heldMay 11, 2011 is the 15th Annual Office for the
Aging Day. This day is devoted to honoring senior citizens and educates the community about problems many of them face. Along with other activities, the Office for the Aging is sponsoring an essay contest.
The essay contest is open to all Madison County students in grades 1-6. Winning essays will be printed in the OFA newspaper, the OFA website, and local newspapers. Every partici-pant will receive a certificate of appreciation from the Madison County Office for the Aging. For more information contact me at 697-5700.
Entry rules:Essay should be 50 words or less; Essays
finish the following thought: What I can learn from an older person...; Entries will be judged one winner per grade level; Entries should have the child’s name, address, age, grade and school; Entries cannot be returned; Entries must be received by Friday April 22, 2011.
Mail or deliver entries to: Office for the Ag-ing in Madison County, 138 Dominic Bruno Blvd, Canastota, NY 13032
ofA offers help with Co detectorsCarbon monoxide is an odorless, colorless
and toxic gas. Because it is impossible to see, taste or smell the toxic fumes, CO can be detrimental to your health before you are aware it is in your home. At lower levels of exposure, CO causes mild effects that are often mistaken for the flu. The effects of CO exposure can vary greatly from person to person depending on age, overall health and the concentration and length of expo-sure. As you know, it is now a state require-ment that all homes have a carbon monox-ide detector. If you are a Madison County senior (age 60 +), do not have a carbon monoxide detector in your home, and need assistance with the purchasing of one, call the Office for the Aging at 315-697-5700. Just ask to speak with a case manager to see if you qualify for assistance.
paper checks are being retired Retirees who apply for Social Security
benefits on or after May 1, 2011, will no longer have the option of receiving a paper check in the mail. Seniors can have their entitlement payments directly deposited into a bank or credit union account or loaded onto a prepaid Direct Express Debit MasterCard. “This impor-tant change will provide significant savings to American taxpayers who will no longer incur the annual $120 million price tag associated with paper checks and will save Social Security $1 billion over the next 10 years,” says Richard Gregg, Treasury Fiscal Assistant Secretary.
Retirees already receiving paper checks will need to switch to direct deposit or the prepaid debit card by March 1, 2013.
Caregiver respite program offeredProviding daily care to older members of
your family or a friend can, at times, provoke feelings of frustration, guilt and even anger. The Office for the Aging recognizes these feelings as very normal and is available to provide assistance to caregivers. As caregiv-ers, the constant attention given to a loved one may create a great deal of fatigue and stress. Caregivers may experience shortness of temper, sleeplessness, and withdrawal from those close to them, family problems, physical ailments or depression. All are normal reac-tions and warning signs that caregivers need a break from the care giving routine.
Respite, a time off from care giving, is ex-tremely important. It relieves stress, protecting your physical and mental health. Respite pro-longs the caregiver’s ability to continue provid-ing care at home. Taking a long weekend or going away on a short vacation can make a big difference in the caregiver’s ability to cope with day-to-day tasks. This grant will help pay for an aide to stay with the older relative while the caregiver takes a break. For some caregiv-ers, it is the first time in years they have had time to themselves. For more information about the Office for the Aging Respite call us at 697-5700.
Rethink your drink!prepared by: dina Lawson, registered dietitian, madison county ofa
Most people try to reduce calories in their diet by decreasing the amount of food consumed. They often overlook the calories found in beverages.
Many people don’t realize just how many calories are in their drinks and how they can add up! The good news is that you have many options for reducing the amount of calories in drinks. Here are some examples:
*3500 calories is equal to 1 pound!Coffee drinks and blended fruit smoothies sound harmless and even healthy, but the
number of calories may surprise you. Many smoothies contain added sugar in addition to the natural sugar found in fruit. Coffee drinks can contain hidden additional fat and sugar when flavored syrups and whip cream is added! Check the nutrition label, the store’s website or in-store nutrition information before buying these specialty drinks.
Remember: All calories count, so Rethink your Drink!Source: The Department of Health and Human Services Centers for Disease Con-
trol and Prevention, Division of Nutrition, Physical Activity and Obesity, CS112679Dina Lawson is a Registered Dietitian at Madison County Office for the Aging. If
you think you would benefit from nutrition counseling or like more information about our SNACK congregate and home delivered meal program call 697-5700.
Beverage Item
Size & DescriptionOption #1
Calories Size & DescriptionOption #2
Calories Calories Saved by Choosing Option #2
Coffee 16 oz. Café LatteMade with Whole Milk
265 12 oz. Café Latte Made with Fat-Free Milk
125 140*
Soft Drink 20 oz. bottle cola 227 20 oz. diet cola or water
0 227*
Milk 8 oz. Whole Milk 150 8 oz. Fat-free Milk 90 142*
March SNACK MenuTuesday March 1– Chicken ala orange, boiled potatoes, herbed spinach bake, applesauceWednesday March 2 – Rosemary pork loin, sweet potato, beets, peach crispThursday March 3 – Curried chicken & broccoli, rice pilaf, peas & carrots, Mandarin oranges Friday March 4 – Meatloaf w/ketchup, scal-loped potato, summer squash, ambrosia
Monday March 7 – Tuna noodle casserole, fiesta blend vegetables, tossed salad, cookie Tuesday March 8 – Beef burgundy, egg noodles, herbed spinach bake, jellied pear saladWednesday March 9 – Chicken spiedie hoagie, onion & peppers, mixed vegetables, fresh fruitThursday March 10 – Turkey ala king, mashed potato, broccoli, puddingFriday March 11 – Macaroni & cheese, stewed tomatoes, tossed salad, fruit cocktail Monday March 14 – Sloppy Joe on bun, Brussel sprouts, potato salad, puddingTuesday March 15 – Baked chicken leg, rice pilaf, meadow blend vegetables, Mandarin oranges
Wednesday March 16 – Baked ham w/pine-apple, boiled rosemary potato, green beans, fruit cocktail Thursday March 17 – Swiss steak, mashed potatoes, lima beans, peaches Friday March 18 – Cranberry chicken, baked sweet potato, peas & onions, cookie Monday March 21 – Spanish rice, broccoli, beets, low-fat yogurt Tuesday March 22 – Cream chipped beef, boiled potatoes, green beans, pearsWednesday March 23 – Seasoned pork chop, red potatoes, spinach, cookieThursday March 24 – Creamed chicken & biscuit, dill carrots, was beans, tropical fruit mix Friday March 25 – Chili con carne, corn nib-lets, Brussel sprouts, pudding Monday March 28 – Vegetable lasagna, peas & carrots, tossed salad, brownieTuesday March 29 – Sweet & sour pork, brown rice, stir fried vegetables, fruited gelatinWednesday March 30- Turkey divan, mashed potato, Harvard beets, citrus fruit cupThursday March 31 – Irish stew w/carrots & potatoes, biscuit, corn, pudding
Visit ofamadco.orgThe Madison County Office for the Aging website is a valuable resource for any
older adult looking for information on topics that affect senior citizens in our county.
11marchPrime2011eagLenewspapers
madison county OFA News
to have up to $10 million of assets at their death, without having to pay an estate tax.
The new tax law virtually eliminates any worry of gift or estate taxes for 99.9% of Americans. But beware: the new law passed in December 2010, is only effective until De-cember 31, 2012. What happens after that date is anyone’s guess. So, while you may no longer have to worry about the estate tax, be
careful not to ignore the more relevant ele-ments to planning, such as protection from a spouse’s remarriage, children’s creditors, divorce, and lawsuits, or even the threat of going into a nursing home, and New York estate tax. Proper estate planning ensures all issues, including taxes, asset protection, Medicaid, and most importantly, your fam-ily, are provided for.
As they examine your ears, you can see, on the flat screen television, what your audiologist is seeing simultaneously. It is a great diagnostic tool, and helps the doctor and patient com-municate more easily. Audibel can also create custom ear molds for musicians, hunters and i-pod listeners to protect their hearing.
The program that Audibel Hearing Aids is most proud of is the Audibel Hearing Foun-dation. This foundation sends hearing aids to children with hearing loss in places where this technology would not be available, said Miller. The program has sent over 700,000
hearing aids to children and is always looking for more donations. People can either donate money or their old hearing aids to the program said Miller. Guenther Schmid has been on two missions that have delivered these hearing aids to children, according to Miller.
Audibel Hearing Aids is located at 903 N. Main St., North Syracuse. They are open from Monday to Friday and have appointments from 8:30 a.m. to 5 p.m. If you would like to make an appointment or want more informa-tion, call 452-1600.
Tax law from page 6
Audibel from page 9
Tax relief programs offered to seniors
OFA Outreach & Activities outreach Visits:Thursday March 3, 11:15 a.m. – 12:15 p.m.First and Seventh Day Baptist Church, Elm & Beaver Creek Rd, BrookfieldMonday March 7, 11:30 a.m. – 12:30 p.m.Madison Lane Apts, Bldg 5, HamiltonWednesday March 9, 11:30 a.m. – 12:30 p.m., Earlville Senior Center - American Legion, 113 Main StMonday March 14, 10 - 11 a.m., Oneida Tow-ers I & II, 226 Farrier Ave, Oneida Wednesday March 16, 11:30 a.m. – 12:30 p.m., St Joan of Arc Church, Brookside Dr, Morrisville
Thursday March 17, 9 – 11 a.m.Carriage House Village Apartments, Commu-nity Room, CazenoviaThursday March 17, 11:15 – 12:15 a.m.Cazenovia Village Apartments, CazenoviaTuesday March 22, 11:30 a.m. – 12:30 p.m.Town of Sullivan Parks & Rec,701 Legion Dr, ChittenangoWednesday March 23, 11:30 a.m. – 12:30 p.m., Stoneleigh Apts – 400 Lamb Ave, Canastotasupport group:Monday March 28, 2 – 3:30 p.m., CCYAA Care-giver Support Group, Oneida Public Library
In memoriam
in memory of Ruth Musacchiogiven by:Patricia & Rolfe FerraraMoise & Virginia SeminarotiJudith CotsovitesJames & Jean MusacchioGeorge & Donna SmithJohn & Joan ValozePatricia & Bob MastroCarmen & Phyllis MusacchioNancy & Anthony Musacchioin memory of Frank Paciccagiven by:James & Judith Becker
in memory of Charles DeFaziogiven by:Sandra Bonaventurain memory of Mildred Murphygiven by:Vincent PaoneKelly OriglioMargaret ArgentineSamuel Vavonesein memory of Frances Eickgiven by:Rotary Club of Sterling Virginiain memory of Jean Reedgiven by:
Joan BostonAnn HollingKim GoodwinSandra MerkleGail & Richard SniderPamela MitchellConnie EastmanGertrude DeSantisThomas RichmondDavid FortNicole MarlandJane KroneckJanet FrostFred MarshallShirl OatmanBeulah ReedOffice for the Aging StaffDonna YoungCarl & Freida GriffithLois & Louie DesJardins
The Office for the Aging gratefully acknowledges contribu-tions to honor the memory of beloved relatives and friends.
Office for the Aging Senior Nutrition (SNACK) SitesBrookfield – Open Tuesday & Thursday, 1st
& 7th Day Baptist Church, Elm & Beaver Creek Rd; Activities: Tuesdays & Thursdays – 12:30 p.m. Cards
canastota – Open Monday thru Friday, Stoneleigh Apts, 400 Lamb Ave; Activities: Wednesday – 9 -11 a.m. –Blood Pressure Clinic
cazenovia – Open Monday and Thursday, Cazenovia Village Apts, 24 Nelson St
chittenango – Open Monday, Tuesday & Thurday, Friday, American Legion, 70 Legion Drive; Activities: Fridays – 1 p.m. - Cards
earlville – Open Monday, Wednesday & Friday, American Legion -113 N Main St; Activities: Wednesdays & Fridays – Bingo at 12:30 p.m. and Cards at 1 p.m.
georgetown – Open Friday, Georgetown
Town Hall, 995 Route 26hamilton – Open Monday thru Friday,
Madison Lane Apts, Bldg 5; Activities: Mon-days, Bingo at 12:30; Alternate Wednesdays - Sing Along; Fridays, Banana Bingo at 12:30.
morrisville – Open Monday, Wednesday & Friday, St. Joan of Arc Church, Brookside Dr, Mondays, Wednesdays, Fridays – Cards at 10:30 a.m.; Second Monday each month – Sing Along & Birthday Celebration
oneida – Open Monday thru Friday, Towers II Community Room, 226 Farrier Ave.; Month-ly health education topics are provided by a Registered Dietitian. For more information and to sign up to enjoy a hot noontime meal at a SNACK site call Madison County Office for the Aging at 697-5700 or visit ofamadco.org.
Several programs and credits exist to assist older New Yorkers in keeping their tax liabilities within acceptable levels, especially when living on fixed incomes.real property tax credit
Provides tax credits or cash rebates to hom-eowners and renters who pay a disproportion-ate amount of property tax in relation to their household income. For the credit/rebate, file New York State income tax form IT-214, avail-able through the Department of Taxation and Finance. Madison County Office for the Aging for provides assistance in filling out the forms.Local real property tax exemption
Homeowners age 65 and older may reduce their real property tax. Each locality sets its own maximum income standard (within limits set by New York State law). A senior citizen property owner at or below the income standard can qualify annually for an exemption. Contact your local assessor. The number can be found in the “Blue Pages” of your telephone directory.Veteran’s exemption
Veterans may be eligible for a reduction in their real property tax. Your assessor can assist in determining if you are eligible for such an exemption. Contact your local assessor or the Madison County Veterans Agency at 366-2395.
school tax relief (star)Senior citizen homeowners with incomes up
to $60,000 will receive an exemption on the full taxable value of their homes, resulting in aver-age school property tax savings of $900. You
must file a renewal application every year; some assessors will mail it. Contact your assessor for information about STAR. Madison County Office for the Aging can assist in filling out the forms.
Call the Madison County OFA at 697-5700.
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horizon and long-term objectives. Keep in mind, though, that diversification does not guarantee a profit or protect against loss.
No contribution limits — Each year, you can contribute far more to a variable annuity than you can to your 401(k) and your IRA. In fact, you can contribute virtually unlimited amounts to your annuity.
Payout flexibility — A variable annuity provides you with flexibility in gaining access to your money. You could, for instance, collect a lump sum. But you might find it more advantageous to take your payments over a specified number of years. You could even choose to receive a lifetime income stream.
Guaranteed death benefit — When you die, your beneficiary is usually guaran-teed the amount originally invested, minus previous withdrawals. Some variable annuities offer death benefit options, which may increase the death benefit over time. Guarantees are based on the claims-paying ability of the issuing insurance company.
While variable annuities do offer some key advantages, there are also some considerations to discuss with your financial advisor before investing. For one thing, variable annuities are not suitable for everyone. A variable annuity is unquestionably a long-term investment. In fact, you may be assessed a surrender charge if you pull money out of the contract within the first several years after you purchase it. However, some variable annuities allow you to withdraw a portion of your investment, such as 10 percent of your purchase payments, without incur-ring a surrender charge, while others allow full withdrawals. Another point to keep in mind is that if you tap into your annuity before you reach age 59 1/2, you may be hit with a 10 percent early withdrawal penalty.
One final note: A variable annuity is just that — variable. The value of your annuity will go up and down, based on what’s happening in the financial markets, and there’s no guarantee that your annuity won’t lose principal. Also, variable an-nuities vary greatly in their terms, features and fees, so before investing, consider shopping around.
Consult with your financial advisor to determine which variable annuity may be appropriate for your needs. Ultimately, though, you may well find that a vari-able annuity may be the final piece to your retirement income puzzle.
Kevin Wall is an Edward Jones Financial Advisor serving the Greater Baldwinsville community from his office at 15 E. Genesee St., Suite 250 in Baldwinsville. To contact Kevin, call 635-0327 or visit edwardjones.com.
appropriate for every memorial. When pur-chasing a monument, keep in mind that this will last forever. The monument you create may serve as a source of genealogical refer-ence for future generations. As such, it should be made without hurry, using great care and consideration.
Pre-planning for your memorial is assum-ing a more important role in our lives. Why pre-plan for your monument? there are several reasons:
You and your spouse can be the decision-makers on what type, style, size, and color of granite you prefer.
Lower cost today as compared with future prices; select what you are financially comfort-able with, rather than financially burdening your family after you are gone.
Protects your family from high-pressure sales tactics that can occur at a time when they are under emotional stress, and relieves their emotional burden.peace of mind.
In addition to personal memorials, the companies design many civic and community projects. Some of the more notable features are: Fowler High School’s memorial homage to the Columbia Space Shuttle; the statue of St. Joseph located at St. Joseph’s hospital entrance;
the Korea-Vietnam memorial in downtown Syracuse; the Onondaga County Sheriff and Fire Department memorial at the Public Safety building in downtown Syracuse; the Taras H. Shevchenko memorial on Tipperary Hill; and the Kenneth Brand memorial at Moyers Corners Fire Station 1.
Most of the carving on monuments is done in their shop, where you will find state-of-the-art equipment for design and sandblasting. Their professional staff provides the installa-tion. Each of these employees has been with the company in excess of 25 years.
The sales staff at each location has had several years in the monument industry. Their gentle guidance and recommendations assist families when planning for a memorial at time of need.
As a testimonial to their commitment of providing quality in memorialization, you will find their memorials in just about every cem-etery in Syracuse and surrounding counties.
Glenn and Jeanne Candee invite you to stop in at one of their three locations. The locations are open Monday through Saturdays, and home appointments and after-hour appoint-ments are welcome.
Call 695-3376, 468-0616 or 676-2333 for more information.
Sweet-Woods Memorial from page 9Income from page 6
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