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Manage retirementsavings before nexteconomic downturn

This Issue

Having pets canmake you healthy in many ways

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Kick up your recipesto make them morehealthy Mike Corey presents Lucy Wilcox with a framed resolution by the Minerva Town Board recognizing her community service and celebrating her

birthday on Monday, Jan. 21 at the Adirondack Tri-County Nursing and Rehabilitation Center.Photo by Phil Sherotov

Lucy Wilcox joins century club

By Phil Sherotovnewsenterprise@denpubs.com

NORTH CREEK — The Adirondack Tri-Coun-ty Nursing and Rehabilitation Center celebratedthe 100th birthday of one of its residents onMonday Jan. 21.

Lucy Mullane Wilcox, formerly of Minerva,was also recognized for lifetime of achieve-ments.

Jamie Reynolds, the activity director for Tri-County, introduced Wilcox and provided an ac-count of her life.

She was born Lucy Wilkins in Yonkers on Jan.21, 1913 and was one of four siblings, having twobrothers and a sister.

Wilcox moved to the town of Minerva at theage of 25. She worked at the post office anddrove a school bus (which was technically a caras one of the attendees explained). Despite retir-ing at the relatively young age of 40, she contin-ued to be extraordinarily active in her commu-nity. She was a founding member of the Miner-va Rescue Squad in 1956, where she rode in theambulance, was a dispatcher, as well as an emer-gency medical technician.

Wilcox and her husband, Jack, took Red Crosscourses and became certified instructors in ad-vanced first aid. She formed the Women’s Aux-iliary of the Minerva Volunteer Fire Department

in 1960 and served as its first president. In 1975,she helped form the Nursing Auxiliary andserved as its president until her husband fell ill.

She married Mark Wilcox in 1983 and he even-tually became a volunteer at Tri-County.

Tri-County Administrator Hal Payne said theNursing Auxiliary has done a great deal for thefacility and continues to contribute thousands ofdollars.

“It’s great to be able to give back to someonewho has done so much for Tri-County” Paynesaid about having Wilcox as a resident.

Wilcox was also active in the Minerva Histor-

ical Society and the Minerva Civic League. Mike Corey, president of the Minerva School

Board and husband of Minerva Town Supervi-sor Sue Montgomery Corey, was present on be-half of his wife and the Town Board to presentWilcox with a framed resolution celebrating herbirthday and honoring her many contributionsto the community.

Asked what advice she would offer others whowould like to live as long and accomplish asmuch as she has, Wilcox replied, “You just faceeverything the best you can, put on a good face,go on.”

Former Minerva resident hailed at 100th birthday celebration

Charities often benefit sig-nificantly from the generosityof donors and volunteers. Butthe person providing the phi-lanthropy also takes awaysomething from the experi-ence, and there actually maybe measurable emotional ad-vantages to being charitable.

Here are a few more healthbenefits that may result frombeing altruistic:

•an activation of emotions

that are key to good health,•lower stress levels,•longer periods of calm af-

ter the generous act,•improved mood, and•a potentially longer life

span.There are many ways to give

back and experience thesephysical and psychologicalbenefits, including:

•sharing experiences at aschool,

•volunteering at a hospital,•volunteering at a national

or local park,•donating unused items,

like clothes or cars,•reading to children at a li-

brary,•helping to care for animals

at shelters,•volunteering at a hospice

and comforting those at theend of their lives,

•donating supplies to a newteacher and

•becoming a companion to asenior citizen.

Psychological benefits of giving

2 - Senior Life www.denpubs.com Winter 2013

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RSVP News andNotesBy Barbara Brassardrsvp@logical.net

The Retired & Senior Volunteer Programof Essex County would like to recognize thepassing of a wonderful friend of RSVP, JoyceMorency.

Town of St. Armand Supervisor Morencywas an avid supporter of our program andall seniors. The Bloomingdale meal site waslocated at the town hall and Joyce oftenjoined them for lunch. We send our deepestsympathy to the family and friends of Super-visor Morency. She will be missed.

Fall was very busy for RSVP volunteers.Our crafters made dozens of knitted and cro-cheted hats, scarves and mittens for HeadStart children and for ACAP’s Holidays forSharing program. Besides the regular volun-teer assignments, our volunteers also tookon a number on one-time projects.

Hurricane Sandy Disaster Relief forShelter Animals — While vast neighbor-hoods were devastated by the super storm,so were numerous animal shelters. RSVPNorth Country SPCA volunteers assisted inthe collection of dog and cat supplies whichwere shipped to NYS shelters impacted bythe storm. Needed items collected werefood, litter, blankets, and cleaning supplies.In all, a truck load of supplies were trans-ported south.

Christmas for our Troops — RSVP volun-teers started work in November assisting ingathering supplies and needed items for ourtroops on the front line of Afghanistan. Ourknitters got busy making hats and scarveswhile others collected food, supplies andcards to be shipped overseas. To date 44packages have been mailed to Luke BoyleUSMC and his troops. We will assist in theLove Our Troops collection set for Valen-tine’s Day. Targeted mailing date is January15th.

Retirement — Dennis Everleth, who is notonly an RSVP volunteer but an RSVP advi-sory council member, recently retired asmanager of the Essex/Willsboro meal site. Aparty was held in his honor and he promised to be a full time RSVP volunteer to keep

busy. We welcome Julie Napper as his re-placement.

Quilt Raffle — The RSVP Advisory Groupmembers are pleased to announce the win-ners of their fall raffle: Ralph and RhondaBoyle, of Crown Point, won the quilt andJohn Watson, of Lake Placid, won the bag.Watch for our 2013 quilt raffle coming in thespring. A special thanks goes out to LadyBug Quilters, of Willsboro, and AdaHutchins for donating the beautiful raffleitems.

Holiday Luncheons — RSVP volunteersworked at meal sites around the county toassist with ACAP’s nutrition program holi-day meals. Each site was festively decoratedas seniors gathered together to welcome theholidays.

All at RSVP send wishes for a wonderfulnew year and if you are looking to assist atany of our numerous stations (literacy, hos-pice, museums or providing transportation)just give us a call: Barb Brassard, ProgramDirector, or Janet Denney, Program Assis-tant, 546-3565 or rsvp@logical.net.

Winter 2013 www.denpubs.com Senior Life - 3

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Retirement party: From left, Glayds Hayes (RSVP volunteer), Barbara Papineau (ACAPNutrition Program Manager), Dennis Everleth and Lucy Marx (ACAP Nutrition Program)

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Gail Bombard group: Lunch with Joyce Morency at the Bloomingdale/St. Armand nu-trition site

Photo provided

4 - Senior Life www.denpubs.com Winter 2013

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Rather than heading to the pharmacy for solu-tions to common ailments, a majority of peoplemay be able to stop at the nearest pet store or an-imal shelter and find a finned or furry remedyinstead.

Studies that link positive health benefits to petownership abound. According to WebMD, onestudy found that 48 stockbrokers who adopteda pet experienced lower blood pressure readingsin stressful situations than did people who didnot own pets. Another study found that individ-uals suffering from serious diseases, such ascancer or AIDS,are far less likely to experiencedepression if they have a strong tie to a pet. Plus,pets have proven beneficial to seniors strugglingwith loneliness.

Any pet can try a person's patience at times,expecially when a kitty has used a sofa as ascratching post or when a pooch needs to be letinto the yard at 3 a.m. But for many pet owners,the benefits of having a pet far outweigh the neg-atives. Here are some of the many ways that petownership can be good for your health.

•Lower blood pressure: Petting a dog or catcan lower blood pressure, as can watching a fishswim around a tank. Those with hypertensionmay want to purchase or adopt a companion an-imal to help lower their blood pressure.

•Reduce stress: Stress is something peopleface on a daily basis. According to a NationalHealth Interview Survey, 75 percent of the gen-eral population experiences at least "somestress" every two weeks, and many times thatstress is moderate to severe. Research has indi-cated that when people spend time with a pettheir levels of cortisol, a hormone associatedwith stress, is lowered while their level of sero-tonin, a hormone associated with improvedmood and well-being, is increased.

•Lower cholesterol: Lifestyle factors associat-ed with pet ownership, particularly a focus onincreased physical health and activity, can helplower cholesterol levels. Also, having a petworks to reduce stress, which may keep individ-uals from looking to fatty foods as sources of al-leviating anxiety.

•Fight depression: Many therapists have pre-scribed pet therapy as a method to alleviatingand recovering from depression. A pet is an un-conditional friend and can provide that listen-ing ear a person needs to talk through problems.Also, walking and taking care of a pet devotesattention away from problems and inwardthinking.

•Improve physical activity levels: Heading tothe gym is one way to get a workout, but spend-ing an hour walking the dog or tossing arounda ball for a game of chase and fetch is anotherway to get the heart pumping. Many dog own-ers benefit from the "forced"exercise that goeswith daily walks. Some people choose to exer-cise with their pets, enjoying the companionshipand the physical activity.

•Reduce stroke incidences: There has beenevidence that cat owners are less likely to sufferstrokes than people who do not have cats. Re-searchers are not sure of the connection, but sur-mise that cats have a more calming nature thanother types of pets.

•Greater opportunities for socialization: Hu-mans are social animals and need to interactwith others. Pet owners have a tendency to wantto share time and experiences with other petowners. Pets can provide opportunities for peo-ple to get together.

•ADHD therapy: Children and adults with at-tention deficit hyperactivity disorder often ben-efit from working with a pet or having a pet asa family companion. Playing with a pet is a greatway to release excess energy and focus on tasks.

Also, a pet with his or her unconditional lovecan help someone with ADHD overcome self-es-teem issues. Similar results are possible whenpets are used as therapy animals for childrenwith autism and other behavioral disabilities.

•Reduce propensity for allergies: Childrenwho grow up in homes with cats and dogs areless likely to develop common allergies andeven asthma, research suggests. In fact, childrenwho live around two or more dogs or cats beforetheir first birthday are less likely to have aller-gies of any sort, according to a study publishedin The Journal of the American Medical Associ-ation.

Research presented at the 10th InternationalConference on Human Animal Interaction foundpet owners were the least likely to have to visitthe doctor. The survey of more than 11,000 re-spondents from Australia, China and Germanyfound that over a five-year period pet ownersmade 15 to 20 percent fewer annual visits to thedoctor than non-pet owners.

The companionship and love pets providecould be a key benefit in promoting good per-sonal health.

Ways pets could improve personal health

Winter 2013 www.denpubs.com Senior Life - 523279

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Fatigue and minor aches andpains that often come with agingcan make exercise seem like awrong activity for older women topartake in. While every womanshould discuss her specific physicalcondition with a physician, espe-cially if those aches and pains arepersistent, adopting a sedentarylifestyle is not likely to make thingsbetter.

The misconception that agingwomen should save their strengthand rest is one of the many mythsassociated with exercise and olderwomen. The following are a few ofthe more popular myths that manywomen would be better off ignor-ing.

•Exercise is for younger women,I need to rest. A sedentary lifestyleisn't healthy for anyone, and agingwomen are no exception. When ag-ing women are inactive, their abili-ty to do things for themselves andon their own decreases. This in-

cludes daily and relatively simpletasks like watering the plants ortaking the dog for a walk, or morestrenuous activities like playingwith their grandchildren. Even ifyou can't go jogging like you usedto, that doesn't mean you won't stillbenefit from less difficult exercises.

•Exercise increases my risk ofinjury. Aging women might fearthat the more they exercise, themore they may fall and suffer a se-rious injury. However, the oppositeis true. Regular exercise strength-ens muscles and prevents bone losswhile improving balance. Thismeans aging women who exerciseare less likely to fall. Even if you dofall, your bones will be stronger andmore capable of handling a fall thanan older woman who does not exer-cise at all.

•I'm disabled so exercise ispointless. Aging women benefitfrom exercise, even those womenwho might be disabled.

Even if you need a wheelchair toget around, that doesn't mean youwon't still benefit from routine ex-ercise. Women in wheelchairs canstill do cardiovascular exercises,stretch and even lift light weights.Such activities can reduce risk ofheart disease while improving mus-cle tone and increasing range of mo-tion.

•It's too late to begin a new exer-cise regimen. It's never too late foranyone, including aging women, tobegin a new exercise regimen. If it'sbeen awhile since you last laced upyour sneakers, start light with awalk around the neighborhood andother activities that won't elevateyour heart rate or prove overly tax-ing. As your body gradually gets

acclimated to exercise, you can upthe ante a little bit with slightlymore challenging exercises.

•I'm too tired to exercise. Aswomen age, some find they strug-gle to get a decent night's sleep andmistakenly assume this is just a nat-ural side effect of aging. The fol-lowing day the resulting fatiguecauses some women to feel they aretoo tired to exercise. However, ex-ercise can actually improve sleepand helps many active people sleepmore deeply and without interrup-tion. If you have been struggling tosleep through the night, use exer-cise to your advantage and youmight find you're suddenly sleep-ing much, much better.

Exercise myths aging women should ignore

Psoriatic arthritis affects many peoplePeople who suffer from psoriasis or have a family history of this skin condition may

be at risk for psoriatic arthritis, a serious disease that causes extensive swelling and jointpain.

The Psoriasis and Psoriatic Arthritis Education Center notes that up to 30 percent ofpeople with psoriasis also develop psoriatic arthritis. Psoriasis is an auto-immune skincondition in which the skin reproduces cells at an accelerated rate. This causes patchesof flaky, irritated skin, also known as plaques. Psoriatic arthritis can develop at any time,but it is common between the ages of 30 and 50. Environmental factors, genes and im-mune system responses play a role in the onset of the disease. Patients with psoriaticarthritis can develop inflammation of their tendons, cartilage, eyes, lung lining, andsometimes aorta.

The rate of onset of psoriatic arthritis varies among people. For some it can developslowly with mild symptoms. Others find it comes on quickly and is severe. Symptoms ofthe disease also vary, but may include the following;

•generalized fatigue•swollen fingers and toes•stiffness, pain, throbbing, swelling, and tenderness in joints•reduced range of motion•changes in fingernails•redness and pain of the eyesIn many cases, psoriatic arthritis affects the distal joints, those that are closest to the

nail in fingers and toes. The lower back, knees, ankles, and wrists also are affected.It is important to talk to a dermatologist if you suffer from psoriasis and also experi-

ence stiffness or pain in joints. This may be indicative that psoriatic arthritis is present.

Winter 2013 www.denpubs.com Senior Life - 7

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Millions of people have signifi-cant visual impairments that canmake daily life challenging. Al-though many vision problems arereadily treated with corrective lens-es, treating low vision may not beso simple.

"Low vision" is a term used to de-scribe the inability to see clearly.Even after correcting for visionwith glasses or contact lenses,many people still cannot see welland test at lower than 20/40 vision.The American Academy of Opthal-mology defines low vision as whathappens if ordinary eyeglasses,contact lenses or intraocular lensimplants do not provide a personwith clear vision.

Anyone with reduced vision thatis not corrected by some method oflenses or surgery is considered tohave low vision or be visually im-paired. Low vision may cause slightvision loss or even blindness.

Causes of low visionThere are many factors that con-

tribute to the onset of low vision,including disease, aging, injury,and heredity. The following aresome of the more common causes.

•Age-related macular degenera-tion (AMD): This is a common eyecondition among people age 50 andolder. In fact, it is the leading causeof vision loss in older adults, saysthe National Eye Institute. When aperson has AMD, the macula,which is the most sensitive part ofthe retina responsible for fine-tun-ing images received by the eye, de-teriorates and does not work prop-erly. Though there might be somevision, images won't be clear. Themost common form of age-relatedmacular degeneration is known asnonexudative, or "dry" form. Thisgenerally causes vision loss that de-velops gradually. More rapid andsevere vision loss comes from ex-udative, or the "wet" form, of mac-ular degeneration. This occurswhen abnormal blood vessels de-velop under the macula and leakfluid and blood.

•Cataracts: Cataracts are a cloud-ing of the lens of the eye that usu-ally develops with aging. It may bepresent at birth or be the result ofan injury to the eye. Depending onthe severity of the cloudiness of thelens, vision can be impacted great-ly. Cataracts may form as a result oflong-term exposure to ultravioletlight, exposure to ionizing radia-tion, secondary effects of diseasessuch as diabetes, hypertension andadvanced age, or trauma.

•Glaucoma: When a person hasglaucoma, eye damage occurs to hisor her eye when there is a buildupof fluid pressure within the eye,also known as intraocular pressure.This pressure can damage the opticnerve and cause visual field loss,which over time might escalate to

blindness. Glaucoma is oftendubbed "the silent thief of sight,"because in most cases it progressesslowly and vision loss is not imme-diately apparent.

•Diabetic retinopathy: Visioncan fluctuate daily as a result of di-abetes. Diabetic retinopathy cancause blood vessels in the retina todevelop abnormal off-shoots thatleak blood and interfere with vi-sion, eventually causing severedamage to the retina.

•Retinal detachment: This oc-curs when the retina separates fromits underlying layer. The portionthat detaches may be rendered use-less and cause total impairment ofvision. Some retinas can be surgi-cally reattached, and vision may berestored partially if surgery occurspromptly.

•Anaridia: Anaridia occurs whenthe iris, which is responsible forcontrolling the diameter and size ofthe pupils and regulating theamount of light reaching the retina,fails to develop normally. If the irisis not functioning properly, ex-treme sensitivity to light and an in-ability to see clearly may result.Low vision treatment

Treatment cannot begin untilyour vision is assessed by a profes-sional. An optometrist may conductvarious vision acuity tests to deter-mine what might be the cause of vi-sion loss.

Each type of low vision problemrequires a different approach totreatment, so it's important to cor-rectly diagnose the problem beforebeginning treatment.

Some treatment options for lowvision may include specialized op-tical systems, video magnification,therapeutic filters, or special pre-scription glasses. There also may bethe need to perform eye exercisesthat help maximize existing visualfunction.

Individuals may haveto use a combination ofdevices to find the onesthat help the best.

Only a doctor can de-termine the culprit be-hind vision loss. Rou-tine visual exams arerecommended at leastevery year and mayneed to be more fre-quent if a person is suf-fering from deteriorat-ing vision. If caught ear-ly, many eye conditionscan be managed to helpprevent further loss ofvision.

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Different conditions comprise low vision

Glaucoma a common but treatable diseaseGlaucoma is one of the more common vision issues men and women

face as they age. Though anyone, including newborn babies, can getglaucoma, older people are at a greater risk. That's important for menand women to know, as the Glaucoma Research Foundation notes thatglaucoma is a leading cause of blindness, and roughly 10 percent of peo-ple who receive proper treatment will still experience loss of vision. Be-cause it is so prevalent, glaucoma is something men and women shouldfamiliarize themselves with so they're more equipped to recognize itssymptoms and seek treatment, which is highly effective, as soon as pos-sible.

What is glaucoma?Glaucoma is not a single disease but the name used to refer to a group

of eye diseases that damage the optic nerve. Located in the back of theeye, the optic nerve is responsible for carrying information from the eyeto the brain. Damage to the optic nerve can eventually lead to loss ofvision.

How does glaucoma develop?One of the first things to happen when a person gets glaucoma is the

loss of peripheral vision. This is enough to motivate many people tovisit their eye doctor, who will then develop a course of treatment torestore vision. Those who experience a loss of peripheral vision but donot seek treatment may notice their overall vision is worsening, and to-tal blindness can result.

What are the symptoms of glaucoma?The symptoms of glaucoma vary depending on the type. Vision loss

is the only noticeable symptom of open-angle glaucoma, and that vi-sion loss is likely to affect peripheral vision, which may not be notice-able until it's severe because the healthy eye will make up for the loss.By the time sharpness of vision is affected, significant vision loss haslikely occurred.

More information on glaucoma is available at www.glaucoma.org.

A struggling economy can have both instantand longterm consequences. When the economyis suffering, consumers tend to spend less in theshort term while making financial decisions thataffect them over the long haul.

One of the biggest quandaries men and womenface during a recession or economic downturn ishow to approach their retirement accounts, mostnotably a 401(k). When the economy begins tostruggle, men and women may notice their401(k) plans are struggling right along with it,losing money that most were counting for theirretirements. This can induce a certain degree ofpanic, as account holders worry about their fi-nancial futures and how they are going to get byshould the recession last and their retirement ac-counts continue to shrink.

But such panic might be unwarranted. Accord-ing to the investment management firm Van-guard, participant saving and investing behav-ior had returned to prerecession levels by 2010,and participant account balances actually rose13 percent between 2005-2010, despite the con-siderable market shock that occurred during therecession of 2008-2009. Those figures illustratethat even during a particularly bad economic

swoon investors will return to their typical be-havior sooner rather than later. Therefore it paysto avoid overreacting at the onset of a downturnand maintain your peace of mind.

While some people manage to maintain a coolhead during times of economic struggles, othersmay lose sleep when the next recession or down-turn rears its ugly head. To avoid succumbing tosuch stress, consider the following tips to pro-tect your retirement accounts should the econo-my once again take a turn for the worse.

•Pay attention to your portfolio. Young peo-ple just beginning their professional careers areoften told to enroll in a 401(k) program as soonas possible, but to avoid making any changes inthe near future once the account has been set up.While no investors, young or old, should allowa knee-jerk reaction after a bad financial quarterto dictate how they manage their retirement ac-counts, that doesn't mean you should ignore anaccount entirely. Pay attention to your portfolio,examining it at least once per year so you canmake adjustments to your investments if needbe. Just don't allow a sudden reaction to a badquarter dictate these adjustments, which shouldonly be made after a careful examination of yourretirement account's portfolio and its perform-ance. If you're happy with the performance,don't change a thing.

•Reduce your risk as you age. Financial ex-perts can often predict when the economy willthrive and when it will struggle. But unless youare such an expert, avoid playing with fire. Asyou age, reduce your risk with regard to your in-vestments. Young people can afford to take onmore risk because they have more time to makeup for a risk that doesn't work out. Men andwomen age 50 and older have no such luxuryand should reconfigure their retirement ac-counts as they age so their investments are lessrisky and more conservative. This strategyshould be put to use even if you lost a substan-tial amount of money during a previous reces-sion or downturn. It might be tempting to try tomake up for lost money, but that strategy carriesconsiderable risk, and you might end up deplet-ing your retirement savings a second time.

•Spread the money around. When contribut-ing to a retirement account such as a 401(k), thestandard is to deposit 6 percent of each paycheckinto that account. If you're depositing more than6 percent into your retirement account, consid-er decreasing your retirement contribution tothe standard amount and depositing the extramoney into a high-interest savings account. Thesavings account won't put your deposits at risk,

and if the economy is faring well, you will stillbe doing well with your 401(k) while ensuringsome of your money won't suffer should theeconomy suddenly take a turn for the worse.

•Don't cash out too early. When the economystruggles, many investors have discovered theysimply don't have the stomach for investing.That's perfectly understandable with certain in-vestments, but a retirement account should notbe one of them. Cashing out a retirement accounttoo early could incur substantial penalties that,if your retirement account was affected poorlyby a bad year, may only further deplete an ac-count you likely spent years building. Avoid thetemptation to cash out early if your retirementaccount is struggling. It's often not worth thesteep price.

Winter 2013 www.denpubs.com Senior Life - 9

90248

Essex County Offi ce for the Aging

“Our mission is to provide leadership and advocacy which creates an environment enabling

the County’s aging residents to determine their own destiny in a positive manner.”

(518) 873-369590229

Lord Howe EstatesSafe & Affordable housing serving the Elderly & Disabled518-585-6696 • 54 Adirondack Drive, Ticonderoga, NY

Now Accepting Applications for 1 Bedroom Apartments

RENT BASED ON INCOME 9024

7

Real Estate by Ross L.L.C.Crown Point, NY 12928 • (518) 597-9289 www.patrossrealestate.com

“List With Us”Patricia Ross - Lic. R.E. Bk.

Call 518-597-9289Marybeth Worth - Assoc. R.E. Bk.

Call 518-597-3584 23278

Plattsburgh Memorials Plattsburgh Memorials Plattsburgh Memorials

Ph. (518) 563-7666 • 1-800-750-4452

Over 400 M onum ents In Stock! Low Prices, U nbeatable W arranty

23029

4875 So. Catherine St. Plattsburgh, NY 12901

GERAW’SOK SEPTICSERVICE

FAST SERVICE(518)597-3634 (518)585-2845

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23276

What to do with your retirement account before the next economic downturn

8911

4

10 - Senior Life www.denpubs.com Winter 2013

P HARMACY D EPARTMENT Let us fill your next prescription. $4 P RESCRIPTION P ROGRAM

$10 FOR A 90-D AY S UPPLY

Choose from hundreds of generic drugs and over-the-counter

medications

New Prescriptions Order Refills

Transfer Prescriptions 1134 Wicker St., Ticonderoga, NY 12883

518-585-6486 23277

W Wilcox and Regan Funeral Home

and Valenti Memorials

Ticonderoga, New York (518) 585-7323

Thomas V. Valenti • Funeral Director

Prearrangement doesn’t have to cost anything.

You know the countless benefits that prearranging brings your family, but did you know that it need not cost you anything? While many families choose to prepay, others prefer to simply have us record and hold their wishes on file. Contact our funeral home for details.

Serving our Community for over 120 Years

23284

23286

10% OFF ON SUNDAYSFOR SENIORS

AFFORDABLE HOUSINGIndian Lake Senior Housing

138 White Birch Lane Indian Lake, NY 12842

(62 or Older or Disabled regardless of the age)

1 BEDROOM APARTMENTSCurrently have openings • Rent based on income

Please call for application 518-532-0144 • TDD 1-800-662-1220

schroonlake@dimarcogroup.com

Baldwin Real Estate Corporation is an equal opportunity provider, employer, and lender.

90249

AFFORDABLE HOUSINGLakeside Manor Senior Housing

38 Fowler Ave. #300 Schroon Lake, NY 12870

(62 or Older or Disabled regardless of the age)

1 BEDROOM APARTMENTSCurrently have openings • Rent based on income

Please call for application 518-532-0144 • TDD 1-800-662-1220

schroonlake@dimarcogroup.com

Baldwin Real Estate Corporation is an equal opportunity provider, employer, and lender.

90250

OFFICE HOURS: MONDAY - FRIDAY 8:30AM-5:00PM 24 HOUR EMERGENCY SERVICE 7 DAYS A WEEK

92 CHAMPLAIN AVE. TICONDEROGA, NY 12883

(518) 585-4489

P.O. Box 238 106 Maple Street Corinth, NY 12822

(518) 654-2485

FREE DELIVERY AND SET UP

Serving Ticonderoga & Surrounding Communities with a Hometown Standard of Care

Accepting New and Existing transfer patients. Call us to arrange a seamless transfer of your medical equipment

needs. With 28 years of dedicated service as a home medical equipment supplier our goal is to provide our customers with the best service and care possible, at a minimal cost. We offer a wide range of medical, respiratory, and rehabilitation equipment and services. Our rehabilitation services have now expanded thanks to the addition of

Jim Hock, OTR/L-ATP. We provide all groups of custom wheelchairs, including manual wheelchairs, custom seating, power wheelchairs,

and scooters.

Our knowledgeable staff includes a Pharmacist, Occupational Therapist - ATP, Rehab Specialist, and Trained Technicians.

Locally owned and operated

89104

A healthy diet plays a significantrole in a person's overall health.Without a healthy diet, men andwomen are more susceptible to dis-ease and other potentially harmfulailments.

But when many people think of ahealthy diet, a lack of flavor is of-ten one of the first things to come tomind. That's a common misconcep-tion, as a diet that's healthy and fullof nutrients can simultaneously beflavorful. In fact, it's easy to enjoymany of your favorite dishes in away that makes them much health-ier. Oftentimes, a few minor alter-ations to a recipe is all it takes toturn the dish from high-risk tohealthy.

•Trim the fat. No one wants to eatfat, but fat isn't entirely bad for you.Fat can help your body absorb vita-mins A, D, E and K, and replacingfat with something like carbohy-drates decreases how much thesevaluable vitamins are absorbed. Inaddition, dietary fat releases chem-icals in the brain that make you feelfull, reducing the likelihood thatyou will overeat.

Those are just a few of the bene-fits of dietary fat, which is an essen-tial element of a healthy diet. Butoverconsumption of dietary fat canbe dangerous, and many peoplesimply need to trim some fat fromtheir diets. One way to do that is toreduce how much butter, shorten-ing or oil you use when cooking.For some recipes, you may be ableto cut suggested portions of suchingredients by half without replac-ing them; however, for others, espe-cially those for baked goods, theseitems may have to be replaced. Inthe case of the latter, find a suggest-ed alternative to high-fat items, andonly use half of the high-fat itemlisted in the original recipe.Chances are you won't taste the dif-ference, but your body will be bet-ter for it.

•Substitute healthier fare. Sub-stituting items is another way toturn a favorite dish into a healthierdish without altering the flavordramatically, if at all. For example,instead of cooking with enrichedpasta, purchase whole-wheat orwhole-grain pastas, which are high-er in fiber and lower in calories. Ifa recipe calls for using milk, choosefat-free milk instead of whole milk.Doing so reduces your fat intake bynearly 8 grams per cup.

Recipes can even be made health-ier by simply cutting back on themain dish and adding more vegeta-bles. Instead of using the recom-mended amount of meat or chicken,scale back and make up for it withadditional vegetables, which re-duces your caloric and fat intakewhile adding more vitamins andminerals to your diet.

•Change your methods. Certaincooking techniques are healthierthan others. Frying foods or cook-ing with fat, oil or salt is not thehealthiest way to prepare a meal.Some of your favorite dishes thatcall for frying or cooking in oil canbe just as flavorful if you opt forhealthier methods like braising,broiling, grilling, or steaming.When recipes call for basting foodsin oil or drippings, forgo these un-healthy options and baste foods invegetable juice or fat-free broth in-stead.

What you use to cook can also behealthy or unhealthy. Nonstickcookware won't require you to useoil or butter to keep foods fromsticking to the pan. This reduces theamount of fat and calories you willconsume, and you likely won't no-tice a difference with regards to fla-vor.

Men and women who enjoy foodand cooking their own meals cantake several steps to make thosemeals healthier without sacrificingflavor.

Make your favorite recipes healthier

Keeping Quality Healthcare Closer to Home

Let us help you S IMPLIFY the insurance side of R X with P ERSONAL and R ELIABLE S ERVICE

Trade names of

Moriah Pharmacy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 546-7244 Schroon Lake Pharmacy . . . . . . . . 532-7575 Willsboro Pharmacy . . . . . . . . . . . . . . . . . . . . . . . . . 963-8946

89113

C ALL OR S TOP I N ! Remember us for your gift knick-knack needs

Winter 2013 www.denpubs.com Senior Life - 11

Harland Funeral Home

(518) 546-70334279 Main Street • Port Henry, NY 12974

2328

3

Pre-Arranged CounselingTraditional Funerals

Serving All Faiths & Communities

2328

5

MONTCALM MANORHOME FOR ADULTS

Christina Norton, ADM., RNMontcalm Steet

Ticonderoga, NY 12883

(518) 585-6230 • Fax: (518) 585-6467

AmeriGas Makes It Easy...

We deliver a LOT more than propane

When you switch toAmeriGas we’ll meet your

energy needs!Call today and ask

about our senior citizen discount on propane.

Downtown Ticonderoga585-7717

Ask about AmeriGas easypayment plans with credit approval

Ask about GAS Check Gas Appliance System Check

2327

5

Affordable Energy Effi cient 1 BR Apts.READY NOW!

White Water ManorSenior Apartments

RENT by INCOMEFor persons ages 62 or Older

or handicapped / disabled regardless of age

North Creek, NY518.251.4641 • 518.692.8873

23110

LOOKHERE!

Fully equipped gym. Over 25 weight stations. Free weights, pulley machines

& full circuit. Variety of cardio machines. Independent basic, partially guided or fully

guided membership options available.

AFAA Certifi ed Personal Trainer available with guided memberships or by the session.

Come in for a free initial consultation & get started with a program customized to fi t

your fi tness needs & goals.

Achieve Fitness, LLC2040 Creek Road, Crown Point, NY

www.bonniesprinkle.com 518-597-3313

23280

90245

By Kathleen Fay O’Brien

ACROSS1 Hussein : Obama :: __ :

Garfield6 Comforter

11 Taking badly?20 Dunces21 Informal bid22 Zap23 “Honest, Professor, I stud-

ied very hard for thistest”?

25 Visibly shaken king?26 Circus leaper27 Ad gp.28 U.S. tender30 Oddly amusing31 It affects your take-home

pay33 Civil War authority Shelby35 Per37 Rejection at McDonald’s?40 Things used in semi cir-

cles?43 Bucky, in “Get Fuzzy”47 Concludes48 Photographing giraffes,

perhaps50 Reunion attendees51 Technology prefix52 Pico de gallo holders54 Pronto, to execs55 Scarlett’s refuge56 Like granola57 Deck out58 Bar orders for the calorie-

conscious59 Laser alternatives

61 Expected to land62 Gloomy atmosphere63 Dedicated verse64 Error that just got bigger?68 PC panic button71 The “Y” in YSL73 Wise guys74 Detailed76 Unlock the door for78 House reporter?79 Harlem sch.81 Princess born on Polis

Massa82 Love, to Caesar83 Acts skittish84 Vidal’s Breckinridge85 Lurches86 Fighting practice88 Kemo __89 Like the Finger of Fate on

“Laugh-In”90 Friday, e.g.: Abbr.91 What Red Riding Hood

wisely didn’t do?95 Betty Grable’s were

insured96 Show again97 Source of inside info?

102 Suite spot105 “Mr. Mom” actress106 Do some bartending108 Wrist-to-elbow bone109 Green poet?112 Effect of Pepé Le Pew

battling a romantic rival?115 Pretends to be what one

isn’t116 All, to Caesar117 Els on the links118 Backyard buildings119 One you might not want to

meet?120 Carried on

DOWN1 Sternward2 Italian vintner3 Subject of the book “The

Best of Time”4 Tough test metaphor5 Stir-fry additive6 Former bumper car trade-

mark7 Like “waitress,” e.g.8 “Ha ha”9 L.A.-to-N.Y. dir.

10 Champs11 More copious12 Preconception13 MCCC halved14 Cult following?15 City on the Guadalquivir

River16 Insignificant one17 Othello’s betrayer18 Like many a palette19 “Little” Dickens girl24 Bother29 Suffix with Capri32 Cries of clarity34 Novus __ seclorum: Great

Seal motto35 Bother36 Kisser38 Lick39 “Me too!”40 Quick look across the

moat?41 Bluff in Banff42 Small samplings43 House party setting44 Serengeti grazer45 Fowl injustice?46 Key of Bizet’s most popu-

lar sym.49 Bomb51 Chicago Sting org.52 Hair piece53 Seed covering56 Publisher Chandler57 “September 1, 1939” poet

58 Lt. Columbo’s employer60 Starting place?61 Painter of ballerinas62 Small and weak65 St. Clare’s town66 Word with deck or drive67 __ colada69 Unmoving70 Scene with stuntmen72 Shenandoah Natl. Park

site75 Wire service?: Abbr.76 Code contents, maybe77 Webzine78 Scolds, with “out”79 High tech/lowlife sci-fi

genre80 Hands across the water?83 Skyline obscurer84 Half a fish85 Falling-out87 Eternal88 “Overnight” surprise for

some89 Turnpike alert92 Sports page deals

93 Ship designation94 Eye-related95 Flatten98 Kama __99 Stick

100 “Tomorrow” musical101 Starkers, across the pond102 Romance novelist Victoria103 Eclectic assortment104 Show recorder105 Crisscross pattern107 Tony’s cousin110 Dissatisfied cry111 Bar quaff113 Medical suffix114 Alter, perhaps

Complete the grid so each row, column and 3-by-3 box (in boldborders) contains every digit, 1 to 9

S O L U TI O N S !

MANY HAPPYRETURNS

PUZZLE PAGE • PUZZLE PAGE • PUZZLE PAGE • PUZZLE PAGE • PUZZLE PAGE • PUZZLE PAGE • PUZZLE PAGE • PUZZLE PAGE

Come see our full line of

Quality Manor Furniture & Mattress

www.livingstonsfurn.comGLENS FALLS • Corner of Dix Ave. & Quaker Rd. • 793-2888 89107

12 - Senior Life www.denpubs.com Winter 2013