2012 february good times

8/3/2019 2012 February Good Times

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February-March 2012

GOOD TIMES

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Sharon Henkaline Jack Henkaline Christopher B. Henkaline Brad Wisener

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worlds greatest

hobby on tourModel Trains on the Move


2/12

2 GOOD TIMES February-March 2012

GOODTIMES

Vol. 6 No. 5

Don Hemple, PublisherNancy Spencer, Editor

A monthly publication forAllen, Auglaize, Putnam,

Logan, Mercer and Van Wert Counties.

For editorial information:Nancy Spencer: 1-800-589-6950 Ext. 134

Email - [email protected]

For advertising information:

1-800-589-6950

Marilyn Hoffman Ext. 131

Stacy Prine Ext. 129

A DELPHOS HERALD

PUBLICATION405 N. Main St.,Delphos, Ohio 45833

ContentsBirthday Trivia

Birthday trivia answers

1. Gavin MacLeod2. Patricia Richardson

3. Roger Daltrey

4. Paula Prentis

3 .....THOSE WERE THE DAYS

Sweethearts on the Tube

5 .....STAYING OFF THEIRS RADAR SCREEN

6-7 . KEEPING IT ON THE TRACKS

Exploring Model Trains

9 .... IN THE SAME BOAT

Sti Competition

10 .. AMERICANS FEEL LESS

CONFIDENT ABOUT RETIREMENT

11 .. LIVE TO BE 100

1. I was born February 28, 1931 in Mount Kisco,New York. I am an actor most notable for play-ing Happy Haines on McHales Navy, MurraySlaughter on The Mary Tyler Moore Show andCaptain Merrill Stubing on The Love Boat. Whoam I?

2. I was born February 23, 1951 in Bethesda,Maryland. I am a television and film actressbest known for my portrayal of Jill Taylor on thesitcom Home Improvement. Who am I?

3. I was born March 1, 1944 in Hammersmith,London, England. singer, musician, songwriterand actor, best known as the founder and leadsinger of English rock band The Who. Who amI?

4. I was born on March 4, 1938 in San Antonio,Texas. I am an actress well-known for my filmroles in Where the Boys Are, Mans FavoriteSport, The Stepford Wives, Whats NewPussycat? and my co-starring role in the televi-sion situation comedy He and She. Who am I?

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February-March 2012 GOOD TIMES 3

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Those Were The DaysSweethearts on the Tube

Television has alwayshad its share of romance.But some couples just seemto cling to our memories

through the years.Do you remember.......

Maddie Hayesand

David Addison(Moonlighting)

When ex-model Maddie Hayes(Cybill Shepherd) loses most ofher money in a bad investment,all she has left is a rundown de-

tective agency run by the irascibleP.I. David Addison (Bruce Willis).He convinces her to come in as thenew boss rather than sell it, andthe two begin to work together. Amatch made in heaven? Dependson how you look at it.

Jonathan andJennifer Hart(Hart to Hart)

As the Harts, Robert Wagnernd Stephanie Powers have just theight chemistry, the Nick and Noraharles of television. They are a

un-loving, lthy rich couple whoike to solve crimes in between jet-etting all over the world.

Mac andSally McMillian

(McMillian & Wife)

San Francisco attorney StewartMac McMillan (Rock Hudson)is named Commissioner of the SanFrancisco Police Department, andalong with his sharp-witted, butsomewhat kooky, wife Sally (Su-san Saint James), Mac manages tosolve some of the citys most baf-ing crimes. A favorite of the clas-sic Sunday night mysteries.

Rob and LauraPetrie

(The Dick Van DykeShow)

As another classic TV couple,Laura (Mary Tyler Moore) knowsjust the right thing to say to calmher neurotic husband Rob (DickVan Dyke) down except when

its his turn to calm her down. Oh,Rob...

Lucy and Ricky

Ricardo(I Love Lucy)

Lucy and Ricky were one of therst TV couples to ght and arguelike normal couples. Rickys clas-sic Lucy, youve got some splai-nin to do, said it all. She alwayshad some whacky scheme that ul-timately needed to be explained.

Ralph and Alice

Kramden(The Honeymooners)

The classic sit-com, The Hon-eymooners, introduced America toRalph and Alice Kramden. Thesetwo probably enjoyed the bestchemistry of any TV couple in his-tory. Virtually all the scenes tookplace on a tiny set depicting a smalldining room and kitchen with hard-ly any furnishings or decorations,

and the rest of the cast consisted oftwo people. Ralphs physical com-edy and facial expressions, pairedwith Alices acerbic wit and tautcomedic timing, formed the per-fect TV couple in Americas rstreal sit-com.

Clark Kent andLois Lane(Superman)

Lois and Clark provide an exam-

ple of iconic characters not limitedto any particular show. Whetheryou watched Lois & Clark in the1990s or Smallville in the presentdecade, Lois and Clarks timelesschemistry is difcult to match.Combine a pushy reporter withan unassuming hero and you getentertaining television. Lois Laneand Clark Kent, in either version,form one of the most famous cou-

ples not only in television history,but in the history of American popculture.

Morticia andGomez Addams

(The Addams Family)

When Gomez (John Astin) wooshis beloved wife Morticia (Caro-lyn Jones), he begins by reciting

French, kissing her hand, then herwrist. All the while keeping theirdifferent kind of family out oftrouble.

Claire andCliff Huxtable

Claire (Phylicia Rashad) andCliff (Bill Cosby) represent oneof the hippest married TV couples

of all time, juggling successful ca-reers with raising their ve kids.

Others popularcouples include:

Kevin and Winnie:The Wonder Years

Sam and Diane: CheersBobby and Pam: DallasRoss & Rachel: Friends


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4 GOOD TIMES February-March 2012

Microchips Bring MajorChanges to Hearing Care

Chicago, IL - The world is going wireless. Phones function flawlessly without cords. We surfthe internet from planes. GPS devices give us street directions as we drive. And now-thanksto advanced microchip technology-the hearing impaired can enjoy home entertainment andmobile phone with the same ease and flexibility as those with normal hearing.

Wireless Transmission of Sound - The ability for hearing aids to receive sound sent wirelesslyfrom the television, stereo and computer is now a reality. Hearing aid patients no longer need

awkward necklace-style devices to receive wireless audio signals. Individuals can listen pri-vately through their hearing instruments, at the volume they prefer. Others in the room enjoya volume comfortable for them. The same microprocessor technology allows hearing aid wear-ers to enjoy hands-free use of cell and home phones. By using a small Bluetooth accessoryclipped to a shirt or automobile visor, clear conversation is sent from the phone to both ears.The phone can stay put away in a pocket or handbag during calls.

Options for Noisy Environments - Along with enabling direct-to-ear-wireless communica-tion, microprocessors help hearing aid wearers more easily understand speech in noisy environ-ments. New techniques, such as band-splitting and specialized sound classications, facilitatemore natural hearing in challenging environments. Now, instead of across-the-board amplica-tion, patients can prioritize important sounds, such as speech, while retaining auditory aware-ness of less critical sounds. Patients can also choose to focus on speech exclusively

True Breakthrough in Hearing Technology -The new line of Beltone True hearing aids

sends phone conversation and TV directly into hearing instruments, while letting users stayconnected to their surroundings at the same time Beltone is the only manufacturer to utilize arobust 2.4 GHz wireless signal-which, when coupled with Trues advanced microprocessors-allows wireless transmission of sound up to 23 feet from entertainment devices. The BeltoneTrue hearing instruments Spatial Directionality feature enables more natural hearing innoisy surroundings. Using directional technology, one ear focuses on speech, while the otherear monitors sounds from around the individual. Speech Spotter Pro allows the user to focuson speech, and tune-out background noise completely.

For a free hearing screening and free trial of True hearing aids, visit one of Beltones1,500 hearing care centers located throughout the nation. For more information call Bel-tone at 1-419-773-4021.

ARE YOU HARD OF HEARING?HEA

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A major name brand hearing aid provider wishes to eldtest a remarkable new hearing instrument in the area. Thisoffer is free of charge and you are under no obligation.

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There is no fee whatsoever for participation in this eld test. Special testing willbe done to determine the increased benets of this technology. Benets of hear-ing aids vary by type and degree of hearing loss, noisy environment, accuracy ofhearing test, and proper t. This is a wonderful opportunity to determine if hearinghelp is available for your hearing loss while you evaluate your performance with thistechnology.

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February/March 2012 GOOD TIMES 5

Nothing strikes terror in theeart of the American taxpayeruite like nding a letter in theailbox from the IRS! In an

ffort to help you avoid thatnpleasant scenario, provided

elow are examples of someommon pitfalls to avoid if youont want the IRS lining up toe your new pen pal.

Its surprising how manyeople mail their returns to theRS without a signature. Be-ore mailing, be sure to recheckverything and dont forget toign your return. An even bet-er solution is to le electroni-ally. Returns led electronicallyave safeguards and controls toliminate common errors. Addi-ionally, the return goes directlyo the processing center and thenformation does not have to beeyed into a computer by an IRSmployee, which could result indditional errors.

Did you remember to includell income on the return? If youeceived a Form 1099 from any-

ne, be sure this income is on theeturn in the right place or youill receive a notice. Even if yourid not receive a 1099 for workone independently, you are re-uired to report the income. IRS

receives copies of 1099s frombanks, stock brokerage rms,rental agencies, and subcon-tractors and these are checkedagainst income reported.

If you made estimated pay-ments or paid your taxes quar-terly, check the amounts andthe dates the taxes were paid.Forgetting to include a paymentis a frequent error that makesyour tax burden look heavier.

Many people forget to includethe January payment, so keep inmind that the rst payment of theyear is sent in April, followed byJune and September paymentsand concluding with the January

payment for the fourth quarter ofthe preceding year.

If you le or pay late, you willreceive a notice of delinquencyand be charged interest and pen-alties, so try hard to avoid that. Ifyou cant pay taxes that are dueby April 15, be sure to le the re-turn on time with a note request-ing an installment agreement topay the remainder of taxes due.

Incorrect social security willgenerate a notice or a disallow-ance of your dependents. Dontmail the return without verify-ing that all social security num-bers have been entered correctly.

Transposing those numbers ismore common than youd think.A few minutes of extra time

reviewing your return will payoff in peace of mind and help youstay off the IRS radar screen.

The author is an enrolled agent, licensedby the US Departmentof the Treasury torepresent taxpayersbefore the IRS foraudits, collectionsand appeals. To at-tain the enrolled

agent designation,candidates mustdemonstrate exper-tise in taxation, ful- fll continuing edu-cation credits andadhere to a stringentcode of ethics.

By JoAn Smith, EA

Lets talk taxes...

Staying o the IRS Radar Screen

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6/126 GOOD TIMES February/March 2012

WORLDS GREATEST

HOBBY ON TOUR

Duke Energy Center,

Cincinnati, Ohio

March 10-11, 2012

Saturday 10a-6pSunday 10a-5p

Building model train railroadss a fun hobby for train enthusiastsf all ages. Adults and kids alike

can enjoy planning intricate lay-outs and elaborate decorations

Theres nothing quite likewatching a little train race aroundyour basement for a few hours,and if you set it up right you caneven control it. You can build your

own little community with justa few things from around yourhouse, and then you can add a littletrain to it. There are thousands ofpeople around the world who in-dulge in this hobby, and if you are

so inclined then there is no reasonthat you shouldnt be able to jointhem!

Initiated in 2001, the WorldsGreatest HobbySM is a kind ofevent that showcases the hobbyof model railroading. Sponsoredby the Hobby Manufacturers As-sociation - Model Railroad Divi-sion and by the Worlds Great-

est Hobby Program, the show isintended to introduce the generalpublic to model railroading in anentertaining, lively and family-friendly atmosphere. The hobbyof model railroading has a uniqueability to bring the family togetherin activities that teach many skills.Model railroad skills span fromcarpentry to artistry, from electri-cal engineering to historical re-search. Model railroading is trulythe Worlds Greatest Hobby.

The Worlds Greatest Hobbyenjoys support from every strata ofthe model railroading world-from

manufacturers to individual hob-byists. Volunteerism is at the heartof the program, with more than1,100 model railroaders volunteer-ing as Ambassadors to share theirlove of the hobby in presentationsto community and civic organiza-tions. To date, 1099 clubs and 721retailers have also lent their sup-port to the campaign.

There has been a surge of in-terest in model railroading in recentyears, and as an industry we wantto help build that momentum,explained Terry Thompson, edi-tor of Model Railroader magazine.With Baby Boomers enjoyingmore leisure time and discretion-ary income, they are looking forcreative and satisfying pastimes.For many of them, model railroad-ing is the ideal hobby-evoking thetoys of their youth while offering

them a challenge in the process.The Worlds Greatest Hobby

coordinates and encourages these

grassroots efforts, through the dis-tribution of videos and introduc-tory booklets as well as providingorganizational support for the hob-by. The campaign also maintainsa web site, www.greatesthobby.com, lled with tips and helpfulinformation for beginners, cover-ing everything from choosing alocomotive size to nding model

railroad clubs and hobby shops.

The shows feature:100,000 square foot exhibit hall50,000 square feet of huge

operating model railroadsGiant riding train for kids200+ Booths of manufacturersand retailers100 Trains for kids to play withDemonstrations, seminarsand new products

Adults - $10.00 (cash only)(good for both days)

Kids Under 16: FREE!

MODEL TRAIN SHOWS

BRING OUT THE KID IN

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Shop online atwww.dadstoyshop.com

TRAIN SHOWSunday, March 25...10am-4pm

Model Trains Toy Trains Railroad Memorabilia

Northwest Ohio Railroad Preservation, Inc.11600 CR 99 @I-75 Exit #161, Findlay www.nworrp.org 419-721-1175

Admission $3 (Children 12 & Under Free)Check out our great displays.... HO, Lionel and much more!

Keepingit on thetracks

Wh t b i ?


7/12February/March 2012 GOOD TIMES 7

Where to begin?If you are just starting out with model

rains, one of the rst decisions you willeed to make is deciding where you will lo-ate your model train and how much spaceou need for your layout. bench-work ishe model railroading term which refers tohe surface on which you will be buildinghe model train layout. For most beginnershe best bench-work foundation is a 4 by 8oot plywood table.

Where you locate the plywood bench-ark platform is another important decision

ou will need to make. Many beginners maye tempted to place the bench-work table upgainst a wall, but this makes reaching the faride of the platform very difcult. In general,t is hard to reach beyond 3 feet on any bench-ork platform. If at all possible, you should

ocate you bench-work in an area where youill be able to work on it from all sides.

After you have decided on the size of yourench-mark platform and its location, you areeady to start designing your model railroadayout. Since you now know the space con-traints you are working with, you can usehis knowledge to determine both the scale ofour model railroad. HO scale should workne with a 4 by 8 foot layout, although Ncale will give you even more room to de-

velop your railroad layout.If you are just starting out, you could start

with a starter kit. There are many model trainstarter kits out there. As you get a little moreadvanced you can mix and match train cars,making sure that they are the right weight forthe rest of your setup.

You might be thinking that it would bebest to start with a small village, but be cer-tain that you dont limit yourself. If you buildsomething thats small make sure that youcan add on to it later. Of course starting smallnow might be a great idea because youre justlearning but it helps if you can make it biggerand bigger as time goes on.

Now you should know that this is not go-ing to be a quick and easy process. You are

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Come to our 9th annual Flag CityTrain Show, eaturing model trains,toy trains, and railroad memorabil-ia or sale by various dealers. Aterpaying admission, ($3 ...12 and un-der ree) the whole amily can enjoya quarter-scale live-steam train rideor only $2 or adults and $1.00 orchildren during show hours. Thetrain will make a stop at our 1920sera B&O caboose or a tour inside.Watch various toy and model trainlayouts as well as a display o an-tique Erector sets. Explore manyother displays in our railroad mu-seum. Food service all day.

Easy to fnd - we are at the north-

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B&O CabooseHatton Depot

Plymouth SwitcherSwitchmans ShantyWooden Boxcar

Northwest Ohio

Railroad

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Findlay, Ohio 45840Phone Number(s)

Local Number: (419) 423-2995Local Number: (419) 721-1175

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Flag City Train ShowMarch 25, 2012, Sunday, 10am-4pm

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MODEL TRAINS, TOY TRAINS,RAILROAD MEMORABILIA FOR SALE

See BEGIN page 8

BEGIN



literally building an entire com-munity with hills, rivers, and road-ways. You have to ask yourself ex-actly what sort of setup you want,because there are a lot of differentvariables to be considering. First ofall, do you want more of a moun-tain setting? A town setting? Or doyou want a combination of both,because thats entirely possible. Ifyou do have roadways youre go-ing to need cars, buildings, utilitypoles, and all sorts of things.

When it comes to buildings youcan go ahead and make them, but ifyou happen to be new to this wholething then youll probably want tomake sure that you purchase allof your supplies at a hobby shop.They sell all sorts of buildings atthese shops and you can nd any-thing you want. From schools, to

churches, to re stations, to run ofthe mill houses, you can have just

about anything that you want tooutt your miniature town.

Dont rush! Thats the mostimportant piece of advice that wecan give you! You want every inchof your model train set to lookauthentic and realistic. If you justrush through it theres no waythat you will achieve that look. Ifyou want rivers and valleys, thenyoull need to nd a way to makethose rivers ow. You might wantreal water and you may need to in-stall some sort of pump to controlthe water ow. The possibilitiesare endless.

Some things that might needwiring are the street lights, houses,etc. If the cars have working head-lights then they will probably needbatteries. An alternative might beto have the cars move around on

some sort of magnetic track, butthis is a fairly advanced technique.

Remember though that this is yourmodel train layout and you canfeel free to implement anythingyou want, even if its not some-thing thats been done before!

You may nd that your modeltrain hobby grows and grows un-til it takes up the entirety of yourbasement. Your family can sharein the joys of operating your mod-el trains. Once you nally get itset up the way that you want it,you will be utterly amazed at howmuch fun you can have with it.You would think that it would getboring watching a train follow thesame track over and over again,but honestly it never really getsold. So go ahead and start on yourdream model train layout, youknow you want to!

Model train scaleThe scale of

a model train setrefers to its sizewhen comparedto a real train.There are model

train types that are very small -- yetstill highly detailed -- and there arelarge model trains that are meantto be run outdoors.

Here are some of the mostcommon model train scales, listed

from smallest to largest:Z Scale (1:220)N Scale (1:160)HO Scale (1:87)S Scale (1:64)O Scale (1:48)

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2750 Harding Hwy (Rt. 309) Lima, OH 45804

Directions: From Rt. 75 exit 125, east on St. Rt. 309 to auction site.

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Eric Marshal from North Yorkshire, England has transformedhis front garden into a miniature railway. Fully operational, MrMarshalls garden train set incorporates two signals, four separatetracks, bridges, a cable car, a windmill and ten water features.

The worlds largest trainset is over 12,000 sq. feet.The set is being built by twoGerman brothers in an emptybuilding on the banks of theElbe in Hamburg and includessix regions including America,Switzerland, Scandinavia, Ger-many and the Austrian Alps.

The American sectionfeatures giant models of theRocky Mountains and MountRushmore; the Swiss sectionhas a mini-Matterhorn; and theScandinavian part has a 4ftlong passenger ship oatingin a fjord.

It is expected to be fnishedin 2014, when the train set willcover more than 19,376 sq ft.and feature almost 13 miles oftrack, by which time detailedmodels of parts of France,Italy and the UK will have been

added.It comprises 700 trains with

more than 10,000 carriagesand wagons. The longest trainis 46 ft. long.

BUILDING THE BIGGEST IN THE WORLD....

The scenery includes 900 signals, 2,800 buildings,4,000 cars - many with illuminated headlights - and 160,000individually designed fgures.

BEGIN

In the Same Boat


9/12February/March 2012GOOD TIMES 9

I had a startling andhumbling revelation theother day in the middle ofmy yoga class. These lightbulb moments often hap-pen at inopportune times,such as when I am in the

awkward downward-dog yoga position. It musthave something to do withthe increased blood ow tomy brain cells, seeing howmy head is actually upsidedown at that point. Therevelation was this: MaryBeth, youre upside downright now, and youve ac-tually paid someone to in-struct you to do this. Youare truly desperate to be-come Gumby-like, whenyou know in your heartyoull always have the exibility of TheTin Man on a rainy day.

I know its true. I just dont want toacknowledge it. I am so jointstiff andinexible that compared to me, Franken-stein looks like Mary Lou Retton. Ive

always been this way, prob-ably thanks to my 6 4 fa-ther, who had trouble fold-ing his lanky frame to tinto the front seat of a car,especially if my 54 moth-er was the last person who

drove the vehicle. That situ-ation often produced somecolorful language as my dadwrangled for the lever thatwould ing the seat backand allow him to breathefreely once again.

Despite my inheritedboard-like appendages,I played multiple sportsin grade school and highschool. I put all dignityaside as I ran like a drunkengiraffe around the softballbases and stood like a red-

wood at the volleyball net. I even had abrief stint as a cheerleader back in theday when cheerleaders only had to haveloud mouths and werent compelled toip around like they had never heard ofgravity. I couldnt do a back bend or the

splits but I could paint a mean poster, andbelieve me, I never needed a megaphone.

Once in my sophomore year gym class,we were required to perform a forwardip on the trampoline and land on ourfeet. We had to for a passing grade. Nevermind that the trampoline was made ofnothing but discarded full-gured girdlesstretched between some fence posts (Hey my school was small and didnt havemuch money.). Every last student had tobounce in the air, curl up like a frightenedwoolly caterpillar, then spring open at thelast second and stick the landing some-where near the middle of the girdles. Itwas more than slightly mortifying to ndmyself mid-air, not curled up but sprawledout like I had just parachuted out of anairplane. There was not going to be anycaterpillar-like moves, or any stuck land-ing. I was lucky I didnt impale myself ona fence post. The teacher nally gave upand issued me a C.

Thirty-some years later, Im still an-chored rmly in denial. I pop joint-build-ing Glucosamine pills like candy, donstretchy yoga pants and move haltinglyfrom downward dog to cat-cow posi-tion, still looking silly and still in searchof that elusive exibility.

The Tin Man would be proud.

To let Mary Beth know what you thinkof this article, or to contact her for a funpresentation to your group, email her [email protected].

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By Mary BethWeisenburger

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- Will Rogers

Americans say they eel less confdent



Americans say they eel less confdentabout retirement now than in 2010

You may nd that yournease about nancingour retirement is begin-ing to increase as the out-ook on our economy staysloomy, and according to

study commissioned bymeriprise Financial, you

re not alone. The New Re-irement Mindscape 2011ity Pulse index examined

he 30 largest U.S. metro-olitan areas to determinehere consumers are theost prepared for and con-dent about retirement.

The results show thathile three quarters (75%)

f Americans say theyve taken steps to pre-are nancially for retirement, the econom-c uncertainly that has persisted over theast year may be taking a toll on peoplesmotions. A mere 18% of respondents sur-eyed say they believe theyll achieve their

dreams in retirement, downsignicantly from 21% whoshared this sentiment in 2010.Likewise, when asked howthey feel about this stage oflife, more Americans express

negative feelings than did solast year, including the num-ber who say they feel worried(24% vs. 21%), anxious (21%vs. 17%) and depressed (10%vs. 8%) when they think aboutretirement.

While it would be greatif a boost in condence cameeasily, the best way to feelsecure about your nancialfuture is to prepare well for

it. Though the options and advice availableto you can seem overwhelming, and oftencomplex, there are several simple steps youcan take if youre feeling wary about yourpost-career years:

1. Start with the basics. Deciding to

make a plan is the rst important step, butbefore you get too carried away, determinewhat you will absolutely need to maintainyour lifestyle during retirement. Include ba-sics like groceries, mortgage payments andother nancial obligations. You may want

to make a list of things that you could livewithout if you hit a roadblock in the future.Its also important to consider things likerising healthcare costs and cost-of-livingincreases. Plan for at least 20 years worthof expenses. The resulting number will bethe absolute minimum youll need to save tonance your retirement.

2. Consider your lifestyle. One of themost enjoyable parts about planning for re-tirement is deciding how you might spendyour extra free time. Though you could just

be looking forward to relaxing, you mayalso decide to move to a different area ofthe country, travel, volunteer or spend moretime with family and friends. Your plans canalways change, but creating a list of activi-ties you may pursue is a proactive way tobegin your planning process.

3. Determine expenses. Many people gethung up on this step, as it can come witha tough reality check, but the earlier youtackle it, the more time you have to save foryour retirement goals. Calculate how much

each of the activities youve planned for re-tirement will cost. Think about and includeany hidden costs. For example, spendingmore time with family can include thingslike buying more gifts as your family grows,travelling to see family during holidays andeven things like helping fund a grandchildstuition. Be honest with yourself and accuratewith your predictions to get the best idea ofwhat your retirement will cost.

4. Set goals. With your list of activitiesand associated costs, you can determine howmuch youll need to save for retirement and

what kind of income needs you will have af-

ter you leave the workforce. Remember thatthough its important to be aware of the bigpicture, try not to let yourself get caught upin numbers with commas. Break your retire-ment income needs down into smaller goalsthat can be prioritized. Though you may

nd you have to make some decisions alongthe way, knowing what your retirement willcost and being able to work toward severalachievable goals to begin with will help youfeel more at ease as you continue to plan.

5. Track your progress. Like with allgoals, its important to set milestones andcontinue to check in and reect as you go.Keep in mind that a little time and organi-zation goes a long way. Set one day eachmonth to sit down with your nances. Evenif your goal still seems far away or if youve

experienced a setback, you likely wont re-gret spending the extra time to review yourprogress.

If you still nd yourself overwhelmedor needing help to stay on track, considermeeting with a professional nancial advi-sor who can help you budget your nancesnow and plan for the future. Remember thatwhile it may be a bumpy ride to retirement,the surest way to feel condent about whatsto come is to do all you can to plan for it.

###

JoAn M. Smith, CFP | Financial Advisor | CER-TIFIED FINANCIAL PLANNER practitioner

Ameriprise FinancialAdvisor is licensed/registered to do business with

U.S. residents only in the states of Ohio, North Caro-lina, Florida and Maryland.

Brokerage, investment and nancial advisory ser-vices are made available through Ameriprise FinancialServices, Inc. Member FINRA and SIPC. Some prod-ucts and services may not be available in all jurisdic-tions or to all clients.

2011 Ameriprise Financial, Inc. All rights re-served.

File # 127847

Brokerage, investment and fnancial advisory services are made available throughAmeriprise Financial Services, Inc. Member FINRA and SIPC. Some products andservices may not be available in all jurisdictions or to all clients. Ameriprise Financialcannot guarantee uture fnancial results.

2012 Ameriprise Financial, Inc. All rights reserved.

Jobs may change.Retirement dreams dont have to.If youve left a job and have a 401(k) or other retirement accounts,

dont forget about them. Rolling over assets you have with former

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By JoAn Smith, CFP

Live to Be 100


11/12February/March 2012 GOOD TIMES 11

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Is living a long and healthyife a goal of yours? Even ifts not, these tips on living aonger, healthier, and happierife will help make the life youo have a lot easier and enjoy-ble.

Learn from those whoave made it there already:fter talking to many people

rom all over the world andoming from different incomerackets, the same statementsame into play. Think goodhoughts (have a positive men-al attitude), drink plenty ofater, always breathe deeply,alk regularly (these peopleid not take exercise to excess, they just

id some regular exercise), and have goodealthy friendships.

Be in good spirits: The most essentialip to live a quality life to 100 plus is to real-ze that you create your own perceptions ofhat is good and bad from the inside out. Aersons mood in the moment creates his orer experience; a persons experience doesot create his or her mood. Those who un-erstand this live a smooth and stress freeife. They do not play victim to external cir-

umstances.

Take anxiety and stress seriously: Dontust tolerate feeling anxious, stressed, andverwhelmed all the time, nd a solution. Itsmportant that you take anxiety (and panicttacks) seriously, if for no other reason thanhe stress feelings place on the heart. Re-ent research found that both women under0 years of age and postmenopausal womenho suffer anxiety and panic attacks mayave an increased risk of heart disease.

Drink water: Start your day with 16o 32 ounces of water. Drink at least halfour weight in ounces daily. For instance,f you weigh 100 pounds you should drink0 ounces of water daily, so if you weigh00 pounds you should drink 100 ouncesf water a day. What I hear from most ofhe people that dont drink as much water aseeded up front is, All I do is go to the bathoom. Thats normal at rst, until yourladder becomes adjusted to doing what isupposed to do.

Fill your body with water. If you thinkoure hungry, drink water. We often con-use hunger for thirst. When you learn toecognize your true thirst, instinctively youill begin simultaneously and automatical-

y to reduce your food intake. Water is soenecial and if you reach for that insteadf other sugar drinks, it will denitely help

get you to 100!

Stand up straight: Peoplesbones break down over timewith bad posture. Exerciseslike occasionally running inplace in your bare feet and sim-ple resistance training you can

do at your desk or at home areincredibly helpful in preservingposture. For example, relievechest tightness using a roll oftoilet paper or a massage ballor foam roll between the shoul-der blades. Stand up againsta door frame, put the item ofchoice between your shoulderblades, reach up above yourhead and grab the door frame

and pull. This will release pressure in your

chest and in most cases take pressure offyour back muscles. If that doesnt do itfor you, try lying on the oor and put theitem of choice again between your shoulderblades and relax while strengthening the up-per back muscles. My favorite exercise forhunchback posture is upper back foam ortoilet paper rolling, which anyone can do onthe living room oor.

No matter what you choose to do, if lifeis worth living its worth enjoying. Here isquote from a very special friend who lived a

very good life, Nothing in excess but hap-piness and life itself.If you would like more information or

have any questions you may email me [email protected] or [email protected]. May you havea long healthy and happy life.

By Sami Kennedy

Live to Be 100


12/12

12 GOOD TIMES February/March 2012

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