Living Well 60+ January-February 2014

A RESOURCE GUIDE FOR YOUR GENERATION 

Living 

W ell 

JAN. / FEB. 2014 

VOL. 9 ISSUE 6 

50 Plus 

ENTERTAINMENT • HEALTH • BARGAINS • LIFESTYLE 

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Audubon Society 

Flock Together 

Winter Dreams of 

Spring Gardens 

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Contents 

Jan./Feb. 2014 

Birdwatchers Flock Together 

Winter Dreams of Spring Gardens 

The Best Friends Approach to Dimentia Care 

FOOD DUDE 

Coq au Vin Makes an Elegant, Hearty Winter Dish 

Aging with Asthma 

TRAVEL 

Break out the Bikes 

Cars are not allowed on Grand Mackinac Island 

Winter Safety Reminders 

It Isn’t Too Late to Save for Retirement 

Calendar 

LivingWell50+ is now DIGITAL: 

Senior Services Directory 

The Bourbon Trail Leads All to Kentucky 

Late Life Success 

A Salute to Col. Sanders 

Cafe and Museum Showcase Birthplace of KFC 

50 YEARS AGO… 

Beatles Appeared on Ed Sullivan Show 

Through the Eye of the Artist 

Understanding Your Credit Score 

PERSON OF INTEREST 

Charisse Gillett 

FROM THE 

COVER 

PAGE 13 

Living Well 50+ is 

a proud product of 

Classic 

CARS OF CUBA 

WRITERS 

STAFF WRITERS: 

Angela S. Hoover 

Frank Kourt 

Jamie Lober 

Abby Malik 

Thomas W. Miller Ph.D. ABPP 

Sandra W. Plant 

Jan Ross 

Martha Evans Sparks 

Guest Article Provided by 

Chrysantha Clark, CFP, Keystone Financial 

STAFF 

Tanya Tyler 

editor/staff writer 

John Brokamp 

publisher 

Janet Roy 

director of creative services 

Brian Lord 

sales manager 

Kim Blackburn 

sales representative 

John Hoffeld 

sales representative 

FROM THE 

EDITOR 

Dear Friends, 

It’s 2014! What are you 

planning to do with this new 

year? 

A Facebook friend posted 

an article that encouraged 

adopting a theme for the new year, rather than 

making resolutions. “The theme should be a word 

that resonates with you and embodies something 

that has been missing from your daily life,” the article 

Tanya Tyler • tanya@samplerpublications.com 

said. “Instead of defining specific behaviors that you 

want to do [like losing weight or quitting smoking], 

simply keep your theme in mind and allow your days 

to unfold from there.” 

I like that idea. I’m going to choose “quirkiness” as 

my theme for 2014. This will encourage me to do 

things I might not normally do, such as participating 

in one of those 5K races where they throw “color 

bombs” at you. Or going to a music concert by a 

group I’ve never heard of. Or trying a restaurant that 

features food I’ve not eaten before. It will definitely 

include traveling to places I’ve never been but have 

long wanted to visit. (Vienna, anyone?) It might even 

mean finally going skydiving – something that’s been 

on my bucket list for a few years now. 

Whatever theme you choose for 2014, make sure it 

enhances your overall goal of Living Well 50 Plus. 

Live life like you mean it! 

Tanya

JAN/FEB 2 0 1 4 

5 

Members of the Audubon Society of Kentucky go on a bird walk 

at The Arboretum in Lexington. Photo credit: David Lang. 

Birdwatchers Flock Together 

Audubon Society of Kentucky welcomes 

novice birders 

by Abby Malik, Staff Writer 

Even when leaves fall from the trees 

and temperatures drop below freezing, 

nature is still happening all 

around us. The Audubon Society 

of Kentucky (ASK) provides those 

who have a desire to get outdoors 

any time of year the opportunity to 

explore Central Kentucky’s diverse 

bird community, whether you’re 

a bird expert, a casual observer 

or just starting out as a nature 

explorer. 

ASK, which is not affiliated with 

the National Audubon Society, 

organizes bird-watching field trips 

throughout the Bluegrass region 

that are open to all age groups; 

membership in ASK isn’t required. 

David Lang, co-secretary of the 

organization, says ASK has a membership 

of around 70 nature lovers. 

“We have a lot of retirees and older 

people in the group,” Lang said. 

They are also joined by young 

professionals, college students and 

middle agers. 

The group bird walks take place in 

diverse areas such as the Lexington 

Cemetery, Shaker Village in 

Harrodsburg, Minor Clark Fish 

Hatchery and Cave Run Lake near 

Morehead, Maine Chance Farm in 

Lexington and several others. The 

group has even traveled as far as 

Cumberland Falls State Park on its 

expeditions. 

Lang says exploring different locations 

is important for successful 

bird searches. 

“Habitat is the key for finding 

different species of birds, thus we 

offer the range of locations to include 

as many habitats as possible,” 

he said. 

The outings are a wonderful way 

for older adults to meet other 

people, spend time in nature, visit 

different areas of the state and, of 

course, learn about Kentucky’s 

birds. Nearly all of the bird walks 

and other activities, which include 

bird-seed sales and potluck dinners, 

are scheduled on weekends, 

making participation easy for those 

who are busy during the week. 

If you’re interested in going on an 

ASK outings, you don’t have worry 

that your bird education isn’t up 

to par. In fact, Lang said, “We love 

novice birders. For those of us that 

hardly ever see anything new, it is 

great to see other people experience 

seeing new species for the first 

time. It makes us appreciate these 

‘old friends’ with fresh eyes.” 

Lang offers assurance for those 

who think they might not be mobile 

enough to join ASK’s outdoor 

adventures. 

“Birders typically do not move at 

a very fast pace,” he said. “We are 

always stopping to look at stuff, not 

just birds.” 

During nature walks, a group, usually 

averaging around a dozen participants, 

typically covers not more 

than a couple of miles on foot, and 

everyone goes at their own pace. 

The walks, Lang says, are as much 

about socializing as they are about 

the nature experience. 

Walk participants should bring 

along some type of magnification, 

preferably binoculars, but a camera 

with a large zoom will also do. For 

those who don’t own binoculars, 

ASK group members have extra 

pairs. A bird guidebook is also a 

good item to have on hand. 

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other events scheduled from 

January through March. Details 

are available at www.audubonsocietyofky.org 

under the “Activities” 

tab. While membership is not 

required to participate in ASK 

nature walks, those interested in 

joining can visit the website for a 

membership form. Membership 

dues are $10 for an individual and 

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y Frank Kourt, 

Staff Writer 

Despite the wintry 

breezes, icy bushes 

and the cold, hard 

ground that dominate these days, 

we gardeners can dream … can’t 

we? 

Sure, we’re dealing with a frozen 

landscape, but this is the time 

of year that most of us get those 

glorious gardening catalogues in 

the mail, promising us the wonders 

that will bloom in spring. 

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JAN/FEB 2 0 1 4 

Winter Dreams of Spring Gardens 

While awaiting thaw, perusing gardening catalogues 

can be therapeutic and inspiring 

mistakes, miscalculations and outright 

disasters may have occurred 

last growing season, we gardeners 

can take a page from the book 

of legendary die-hard Chicago 

Cubs fans and chant their mantra: 

“There’s always next year!” 

Thus, perusing the many catalogues 

that are likely to be stuffing 

our mailboxes this time of year 

can be not only be a therapeutic 

form of escapism, but can actually 

benefit our future gardening 

endeavors. 

I always look for varieties of either 

vegetables or plants that have been 

improved over time. Good examples 

of this are newly developed 

bush varieties of things such as 

squash plants that take up so much 

less space in our plots than did 

their old-fashioned vining cousins. 

You should also look for varieties 

of plants that have been improved 

in the areas of disease resistance 

and hardiness to weather conditions. 

There are plants that we can 

grow as perennials in our particular 

climatic zone these days that could 

never have thrived here years ago. 

For my money, one of the most 

remarkable developments in plant 

improvement is the Knockout 

rose, which has given us a plant 

that not only blooms throughout 

the entire growing season but 

doesn’t need deadheading and is 

disease-resistant and hardy as well. 

Speaking of Knockout roses, if 

7 

you’re contemplating putting some 

in come spring, consider planting 

three separate bushes relatively 

closely to each other so that they 

grow together to make an impressive 

display. 

This “planting in threes” technique 

of landscaping is something I first 

noticed after moving to Kentucky, 

and it’s a great one. When we 

bought our property here nearly a 

decade ago, we found the landscapers 

had planted our burning 

bushes in clumps of three on various 

spots on the lawn. The result 

is a spectacular display of crimson 

each fall. 

By looking through gardening 

catalogues, you can study the available 

plants and their properties, 

such as height, length of growing 

season, need for sun and other 

qualities that will help you decide 

if you want them and what the 

optimal location will be when it 

comes time to plant them. 

One of the great things about 

ordering from many of these 

catalogues is that you don’t have to 

worry about having your merchandise 

arrive too early for planting 

in your climate. Many of these 

companies will take your order 

now and time the plants to arrive 

at your house at the optimal planting 

time for your area. 

So don’t let the snow, ice and north 

winds deter you from dreaming 

about the gardening season to 

come. Open up those catalogues 

and start planning for spring. 

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8 JAN/FEB 2 0 1 4 

mental ability, this loss is not all 

that defines him or her, Bell said. 

“We are dealing with an adult 

who has had a rich life experience 

and still has a lot of skills 

underneath the dementia,” she 

said. “A person with dementia is 

very perceptive about not being 

valued, not being respected. It is 

just amazing to me what a person 

still perceives even though they 

have lost a lot in some areas.” 

The Best Friends Approach 

Pioneers Dementia Care 

Learning and caring about participants make a big difference 

by Martha Evans 

Sparks, 

Staff Writer 

Best Friends, a 

pioneering method 

for dealing with people with 

Alzheimer’s and other types of 

dementia, is showing great success. 

“The Best Friends approach has 

really gone around the world,” 

said Virginia Bell, the Lexington 

social worker who began it. She 

believes the reason it has prospered 

is simple: It works. 

The Best Friends concept occurred 

to Bell 30 years ago when, 

at the age of 60, she went back 

to school at the University of 

Kentucky to get a master’s degree 

in social work. She was hired 

as the first family counselor at 

UK’s Sanders-Brown Center on 

Aging. In working with persons 

with dementia, Bell was surprised 

to learn that the more she knew 

about them, the better she got 

along with them. 

The medical professionals at 

Sanders-Brown at the time did 

not immediately think the Best 

Friends approach would work. Especially 

they did not think volunteers 

could manage persons with 

dementia. That opinion – and the 

language – have both changed. 

The term is no longer “caregiver” 

but “care partner.” It’s no longer 

“day care”; participants (not “patients”) 

attend a “day center.” 

“‘Day care’ sounds too much like 

child care,” Bell said. “We want 

it to be far removed from child 

care.” 

The newer approach is about 

being the person’s friend. “It’s 

amazing what a difference it 

makes,” Bell said. “We try to find 

out as many things as we can 

about the person.” Care partners 

use the information gleaned to 

let the participant know they are 

interested in him and care about 

what he did and who he is. 

The principle applied with Best 

Friends is remembering that, 

while the person has lost some 

One program that utilizes Best 

Friends is The Christian Care 

Community with Best Friends, 

located at Second Presbyterian 

Church on East Main Street in 

Lexington. Some participants 

come just one afternoon a week 

to give care partners some respite 

time. The family member is better 

off because of the socialization 

with people who know about 

his or her life story and care 

about him or her. Families, for 

their part, learn not to argue or 

confront a person with dementia 

and to understand that their 

family member does not like to 

always be on the receiving end of 

everything with no choice about 

anything. 

Early in 2014, Best Friends, still 

under the umbrella organization 

of Christian Care Communities, 

will move to a new, larger 

building in Brannon Crossing. 

Although Second Presbyterian 

has provided a happy home all 

these years, the facility is now 

bursting at the seams, with a 

waiting list. Other Christian Care 

Communities using the Best 

Friends approach are in Bowling 

Green, Corbin, Louisville and 

other places in Kentucky. 

Bell says several big nursing 

home chains are switching to the 

Best Friends approach, where 

every staffer knows the preferred 

name of every patient. “It is such 

a simple thing, but it makes such 

a difference. If the patients are 

happier, it is better for the staff, 

families, patients, everybody,” she 

said. 

Now 91, Bell doesn’t take credit 

for the change in focus in caring

JAN/FEB 2 0 1 4 

9 

We are dealing with an adult who has 

had a rich life experience and still has a 

lot of skills underneath the dementia.” 

—Virginia Bell, co-author, Best Friends Approach to 

Alzheimer’s Care 

for people with dementia. “This 

has taken all of us,” she said. “I 

had the idea more than 30 years 

ago. But an idea cannot go anywhere 

without everyone. It has 

taken volunteers, families, professional 

staff.” 

Bell and David Troxel, who was 

formerly with the Alzheimer’s 

Disease Research Center at Sanders-Brown, 

published the first of 

their five coauthored books in 

1996. The second edition of their 

first book, Best Friends Approach 

to Alzheimer’s Care, is now available 

in seven languages. 

Best Friends always needs volunteers. 

Each volunteer receives 16 

hours of training before starting, 

plus one hour of continuing 

education every month. Training 

sessions are held twice a year. 

Anyone who is interested in 

volunteering is encouraged to 

visit Best Friends and sit in with 

another volunteer. To become 

a volunteer, call Bobby Potts at 

(859) 258-2226. Learn more 

about Best Friends at www.bestfriendsapproach.com. 

P 

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Dementia Bill of Rights 

Every person diagnosed with 

Alzheimer’s disease or other 

dementia deserves: 

• To be informed of one’s 

diagnosis 

• To have appropriate, 

ongoing medical care 

• To be treated as an adult, 

listened to, and afforded 

respect for one’s feelings 

and point of view 

• To be with individuals 

who know one’s life story, 

including cultural and 

spiritual traditions 

• To experience meaningful 

engagement throughout 

the day 

• To live in a safe and 

stimulating environment 

• To be outdoors on a 

regular basis 

• To be free from 

psychotropic medications 

whenever possible 

• To have welcomed 

physical contact, including 

hugging, caressing, and 

handholding 

• To be an advocate for 

oneself and for others 

• To be part of a local, 

global, or online 

community 

• To have care partners well 

trained in dementia care 

Our team is 

here for you! 

Start your 

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Coq au Vin Makes an Elegant, Hearty Winter Dish 

Break some conventional culinary rules with this French classic 

Cooks who are looking for an 

elegant yet earthy and hearty dish 

for winter cooking need look no 

further than the classic French 

provincial dish, coq au vin. 

Coq au vin literally means “chicken with 

wine.” It is a close cousin to that other 

French bistro dish, boeuf bourguignon, or 

“beef in burgundy.” Coq au vin breaks some 

conventional culinary rules by marrying 

chicken with a robust red wine. 

Indeed, coq au vin and boeuf bourguignon 

are so close that in concocting my personal 

coq au vin recipe over the years, I find it’s 

virtually the same as my beef dish, with the 

obvious substitution of chicken for the beef. 

You’re certain to find many variations of 

coq au vin. Many will not include carrots. In 

some there will be a dash or two of cognac; 

others will add celery; and the spices 

will vary widely. Most coq au vin recipes 

have onions, garlic, mushrooms, bacon, a 

number of spices and, of course, chicken 

and wine. There’s even a variation called coq 

au vin blanc, in which a white wine is used. 

food 

dude 

Frank 

Kourt 

the 

The variations are understandable, since 

the French housewives who first made it 

were apt to use the ingredients they had on 

hand. Any salt pork today? If not, substitute 

bacon. If there are three or four carrots to be 

had, so much the better. If not, skip them. 

The important thing to keep in mind is to 

use fresh ingredients. Equally important is 

the slow cooking that allows the flavors of 

this wonderful dish to marry. (Some people 

make coq au vin, refrigerate it and heat and 

serve it the next day in order to give this 

marrying of flavors a better chance to take 

place). 

When making coq au vin, make sure you 

use a drinkable full-bodied red wine, such 

as burgundy, and plan to drink the same 

vintage with your meal. A good rule is never 

to cook with a wine you wouldn’t drink – 

and never use those salt-enhanced “cooking 

wines” that are sold in grocery stores. 

Serve your coq au vin with rice or noodles 

and accompany it with a good, crusty bread. 

A simple salad completes a full meal. In 

addition to being an elegant dinner, a good 

coq au vin warms body and spirit on a cold, 

frosty night. 

Coq Au Vin 

• 3 lbs. chicken pieces 

• Salt and pepper 

• Flour 

• 1/4 cup butter or margarine 

• 1/4 cup olive oil 

• 8 slices of bacon, chopped 

• 2 cloves garlic, minced 

• 2 large onions, chopped 

• 3-4 large carrots, peeled and cut 

into 1-inch pieces 

• 1/4 cup chopped fresh parsley 

• 2 cups burgundy wine 

• 1/2 lb. fresh mushrooms, sliced 

• 1/2 bag frozen pearl onions 

• 2 bay leaves 

• 1/2 tsp. each thyme, rosemary, 

marjoram 

Heat the butter and oil in a large frying 

pan. Salt and pepper the chicken, coat 

with flour and sauté the pieces until 

golden, then place in an oven-proof 

casserole. Pour off the liquid from the 

skillet and sauté the bacon until the fat 

is rendered. Remove the bacon and set 

aside. Pour off all but about a tablespoon 

of the fat. Add the onion, garlic, carrot, 

and parsley and sauté until the onion 

starts to turn golden. Arrange the 

contents of the pan over the chicken. 

Add the herbs and spices and pour the 

wine over all. Cover the casserole and 

bake in a 325-degree oven for one hour. 

While the chicken is cooking, sauté the 

pearl onions and mushrooms in a little 

butter until the onions begin to turn 

golden. Drain and add to the casserole. 

Cook for another 10-15 minutes, or 

until the chicken is tender. Skim any fat 

off the top of the dish before serving. 

A good coq au 

vin warms body 

and spirit on 

a cold, frosty 

night.

Aging With Asthma 

JAN/FEB 2 0 1 4 

Though there’s no cure, it’s possible to 

live well with the condition 

by Jamie Lober, Staff Writer 

Asthma is a condition that 

changes during different ages and 

stages of your life. 

“Usually it is recognized early 

in children because they have 

allergic components, like watery 

eyes, runny nose and persistent 

chest colds, whereas in adults it 

is manifested differently,” said 

Kurt Hohenecker, who works in 

respiratory care at Central Baptist 

Hospital in Lexington. 

Some people are more susceptible 

to asthma than others. “Sometimes 

people are so sensitive that 

strong fumes like colognes can set 

their breathing problems off and 

set asthma into overdrive,” said 

Hohenecker. 

By understanding what is happening, 

you can get a better 

grasp of just what asthma is and 

what it does. “The body releases 

histamines in response to allergic 

components,” said Hohenecker. 

“Sometimes the patient will inhale 

cold air, and the airways are sensitive, 

which causes bronchospasms. 

Or nothing may set it off and it 

just happens.” 

Diagnosing asthma can be 

complex; it involves a physical 

exam and a checking of breathing 

sounds. “The physician would 

want to do spirometry testing,” 

said Hohenecker. “It involves the 

patient blowing out as hard and 

fast as they can [into a] device 

[that] measures airway obstruction, 

which is how much of the 

airways are collapsing due to 

allergic components.” 

As with any condition, some 

people do better with asthma than 

others. “A lot depends on how severe 

your attacks are and how well 

you do with the regimen,” said 

Hohenecker. “For some people it 

does not get them down, and others 

it seems to wipe out.” 

There is no surefire prevention for 

asthma, but some tips work for all 

ages. “Be aware of your surroundings,” 

said Hohenecker. “You 

might have something setting off 

your asthma, like in spring when 

things are in bloom or in winter 

where you forget to change the 

furnace filters often enough and 

there is dust in your home.” 

Some new medications are now 

available to treat asthma. “There 

are some pill-form medications 

that a patient can take now,” said 

1 1 

Hohenecker. “There is always 

a new blood thinner or cholesterol 

medication coming out, but 

asthma seems to lag behind all the 

time.” 

People need to know that asthma 

can become more severe at any 

time, which makes it critical to 

take medications as they are 

prescribed. “If you cannot afford 

them as prescribed, you need to 

check into some of the programs 

that a lot of companies have where 

there are medications at a reduced 

fee,” said Hohenecker. 

Asthma is a lifelong challenge. 

“As you get older, you become 

less sensitized and do better as 

an adult,” said Hohenecker. To 

combat asthma, adults use rescue 

inhalers and some type of maintenance 

inhaler, such as corticosteroid. 

While it can be hard work, it 

is possible to live well even with 

asthma. 

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1 2 JAN/FEB 2 0 1 4 

TRAVEL 

Break Out the Bikes 

Cars are not allowed on Grand Mackinac 

Island 

This is one of the few places 

in the world where the only 

transportation allowed is by 

bike, horses or foot. 

by Jan Ross, 

Staff Writer 

The first thing 

you need to know 

about friendly little 

Mackinac Island is that no matter 

whether you spell it Mackinac or 

Mackinaw, it is pronounced with 

an “awe” at the end, not an “ack.” 

Blame the British, the French 

or the local Native Americans 

who called the island Michinnimakinong, 

which the British and 

French of course immediately 

shortened to Mackinac (British) 

or Mackinaw (French). But 

however it is spelled, it is still 

pronounced Mackinaw. 

There are only two ways to get 

to Mackinac Island, which is 

perched comfortably in the 

middle of expansive Lake Michigan, 

and neither involves driving 

because there are no bridges to 

the island. And even if there were, 

cars are not allowed anywhere 

on the island. This is one of the 

few places in the world where the 

only transportation allowed is by 

bike, horses or foot. This makes 

Mackinac one of the most pleasant 

places you can imagine. You 

can arrive by ferry, cruise line or 

plane – there is a small airport on 

the island. 

You step off that ship or plane 

and arrive at a place where the 

pace of life slows down and your 

only decision will be choosing 

the best way to leisurely find you 

way around the island. Take a 

bike ride along the seven-mile 

trail that is placed right beside 

the lake – an absolutely gorgeous 

and scenic way to get some 

exercise – and then bike around 

the small downtown area, at least 

long enough to pop into one 

of the many fudge shops – you 

can afford it after you burned all 

those calories. 

If you prefer to be chauffeured 

around the island, book a tour 

with Mackinac Island Carriage 

Tours and relax as the horses do 

all the work. You’ll see historic 

Fort Mackinac and Mackinac 

Island State Park, two locations 

with beautiful butterflies, and the 

incredible Grand Hotel. 

Leave plenty of time to see the 

Grand Hotel. Made famous by 

the movie Somewhere in Time, 

it is a sprawling resort located 

high atop the island with an 

amazing view of the lake. If you 

are not staying at the hotel, be 

prepared to pay for the privilege 

of strolling around inside the 

Grand: The proprietors prefer 

not to have hundreds 

of tourists milling 

about and disturbing 

their guests. That is 

entirely reasonable. 

We were on a 

weeklong cruise of 

the lake with Blount 

Small Ship Adventures, 

and we were 

lucky enough to be 

invited for lunch and 

a tour of the hotel 

as members of the 

press. We took full 

advantage of the 

invitation, sampling 

as much of the great 

array of food available 

as possible, then 

enjoying our tour as 

we tried to figure out just which 

parts of the hotel had been featured 

in the movie. 

The Fourth of July was the perfect 

time to visit the island. We 

enjoyed fireworks from the deck 

of our cruise ship and made plans 

to return as soon as possible to 

this idyllic location.

JAN/FEB 2 0 1 4 

1 3 

See Classics Up 

Close in Kentucky 

In the United States, many 

people think a 10-year-old car is 

old. That’s usually the age when 

we start thinking about trading 

it in and getting a new car. 

Don Battles, 64, of Kirksville, 

said, “Classic cars represent an 

era when we were young. They 

bring back moments in our lives 

when the world was young, safe 

and happy.” 

Classic Cars of Cuba 

Vintage cars still ramble on island nation’s roads 

by Sandra W. Plant, Staff Writer 

Visiting Cuba is like going to a 

classic car show. The streets and 

highways are filled with vintage 

cars that bring back fond memories 

to those who loved the cars 

that took us on first dates or 

circled the drive-in restaurants 

back in the 1950s and early 1960s. 

With its wide streets and everyone 

on the go, Cuba’s capital city 

of Havana is filled with beautiful 

Detroit-made cars that date 

back 55 years or more. It is not 

uncommon to see a sleek 1953 

Buick Roadmaster used as a taxi to 

transport delighted tourists. 

Outside the former Presidential 

Palace in Havana, the taxis that 

line the plaza waiting for a fare are 

an amazing array of American cars 

of the past. They would be worth 

a fortune if they could be shipped 

to the United States. But a U.S. 

embargo on trade with Cuba, in 

place since the Cuban revolution 

of 1959, has stopped two-way 

trade. Nevertheless, these cars are 

a magnet for tourists, especially 

senior citizens who can’t seem to 

snap enough photos. Very few of 

the classic cars are factory original, 

but they are still beautiful on the 

outside. 

Vintage cars such as 1955 Fords or 

1957 Chevrolets are not limited 

to Havana. They are also seen in 

cities such Cienfuegos or Trinidad 

de Cuba. You might even see a 

Studebaker or an Edsel that has 

been preserved in time. 

The newer cars in Cuba are largely 

from China or Russia. A few 

Japanese cars are now appearing 

on Cuban roadways; they have 

reached Cuba through countries 

friendly to the Castro regime. 

A-near perfect 1953 Buick sits 

near a portion of the old City Wall 

in Havana. The former Presidential 

Palace is in background. 

So how do they keep those 55- or 

60-year-old cars running? Yadi Salinas, 

a guide with the Cuban tourist 

agency, said proudly, “In Cuba 

we call our mechanics magicians. 

They make parts from empty cans, 

wire, anything they can get their 

hands on.” 

Some of those “magicians” use 

rundown cars for parts or lift complete 

engines from newer cars. For 

instance, a classic car might have a 

Russian-made diesel engine. 

If you want to be dazzled by the 

array of classic cars in Cuba, U.S. 

citizens can travel to the island 

nation for educational purposes 

through a university or on a 

people-to-people tour offered by 

several licensed non-profit groups. 

The Roads Scholars program, 

popular among U.S. seniors, offers 

Cuban trips. Another licensed 

group is the Grand Circle Foundation. 

For more information, visit 

its Web site at www.grandcirclefoundation.org. 

Battles recalls days in his youth 

when new cars would arrive by 

train for dealers in Richmond. 

He and his friends would hurry 

to the station to see the new 

models as soon as they rolled 

into town. He has owned a 

series of classic Chevrolets, 

starting with a 1949 Chevrolet 

pickup truck. 

What does he consider to be 

the best of the now-classic 

cars? His favorites are the 

1956 Chevrolet Bel Air, which 

he calls “the most perfect of 

the Chevrolet Tri-Five series.” 

This series includes models 

manufactured in 1955, 1956 

and 1957. A newer favorite is 

the 1970 Chevelle SS, which 

Battles considers the “ultimate 

muscle car.” 

For those who want to see 

classic cars without going 

to Cuba, you can visit the 

many car shows in the Central 

Kentucky area. For locations, 

dates and times, visit the Web 

site Kentuckycarshows.com. 

Battles and his wife, Billie, 

have a special interest in the 

annual classic car show held 

at the Kirksville Community 

Center, 664 Kirksville Road, 

near Richmond. The 2014 event 

is set for Saturday, April 19, 

beginning at 9 a.m. For more 

information, contact Mike Estes 

at (859) 328-4339 or Battles 

at (859) 358-3905. Or email 

kirksvillecommunitycenter@ 

gmail.com.

1 4 JAN/FEB 2 0 1 4 

Winter Safety Reminders 

Tips for shoveling and treating frostbite 

and hypothermia 

by Angela S. Hoover, Staff Writer 

Love it or hate it, cold weather 

is here. And with it comes extra 

precautions to consider when 

shoveling snow, driving or just 

getting out and about. 

Snow Shoveling 

It’s not only a necessary task, it’s a 

great workout. But don’t let it put 

you out. Anyone older than 40 

or with a history of heart trouble 

should use extreme caution while 

shoveling snow. Dress with extra 

care to keep your hands and feet 

warm and dry. Warm up and 

stretch before beginning; stretch 

again when you’re done. Go 

slowly and take breaks. If possible, 

only shovel fresh snow since wet, 

packed snow is more difficult. 

Pick up only small amounts. 

Remember to use your legs, not 

your back. Bend and “sit” into the 

movement while keeping your 

back straight. Don’t work to the 

point of exhaustion. Stop immediately 

if your chest feels tight, 

regardless of your age or health. 

Frostbite 

Frostbite is when skin and extremities 

freeze. The nose, cheeks, 

fingers and toes are most commonly 

affected. Frostbite starts 

with burning, numbness, tingling, 

itching or cold sensations in the 

affected areas. The skin appears 

white, gray, yellow or blue and is 

cold to the touch. The area is hard 

and may even appear blackened 

and dead. Left unchecked, there 

will be a decrease in sensation 

until it is completely lost. 

At the first sign of frostbite, get to 

a warm place and seek medical attention. 

Softly handle the affected 

area; never rub it. If possible, 

slowly warm it up by soaking it in 

lukewarm water (100-105 degrees 

Fahrenheit) until it appears red 

and feels warm. Do not expose it 

directly or close to a fire. If fingers 

or toes are affected, place dry, sterile 

gauze between them to keep 

them separated. Avoid breaking 

blisters. Do not allow the affected 

area to refreeze. 

Hypothermia 

Hypothermia occurs when the 

body loses heat faster than it 

can produce it. This abnormally 

low body temperature can make 

a person sleepy, confused and 

clumsy. It may not be immediately 

recognized because it happens 

gradually. A body temperature 

below 95 degrees Fahrenheit is a 

medical emergency that can lead 

to death if not treated immediately. 

It’s easy for anyone spending 

a lot of time in cold weather to 

get hypothermia, but being wet 

makes it more likely. Infants and 

the elderly are also at an increased 

risk. Visible symptoms begin 

with shivering, numbness, apathy, 

weakness, impaired judgment, 

incoherent speech and loss of consciousness. 

Get to a warm place 

and seek medical help. Remove 

wet clothing and dry off. Warm up 

slowly by wrapping in blankets or 

putting on dry clothes. Apply hot 

water bottles and chemical hot 

packs wrapped in a towel or blanket. 

Use your own body heat on 

someone else if necessary. Do not 

warm the person too quickly, such 

as immersing him or her in warm 

water or placing him or her close 

to a fire. Rapid warming can cause 

heart arrhythmias. Warm the core 

– trunk and abdomen – first, not 

the hands and feet. Warming the 

hands or feet first can cause shock. 

Monitor breathing and circulation 

SAFETY Continued on Page 31 

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It Isn’t Too 

Late to Save 

for Retirement 

If you’re 40 or 50 

and haven’t begun, 

you must make the 

effort. 

by Chrysantha 

Clark, CFP® 

Some people start 

saving for retirement 

at 20, 25, or 30. Others 

start later, and while their accumulated 

assets will have fewer years 

of compounding to benefit from, 

that shouldn’t discourage them to 

the point of doing nothing. 

If you need to play catch-up, 

here are some retirement savings 

principles to keep in mind. First of 

all, keep a positive outlook. Believe 

in the validity of your effort. Know 

that you are doing something good 

for yourself and your future, and 

keep at it. 

Starting later means saving more 

– much more. That’s reality; that’s 

math. When you have 15 or 20 

years until your envisioned retirement 

instead of 30 or 40, you’ve got 

to sock away money for retirement 

in comparatively greater proportions. 

The good news is that you 

won’t be retiring strictly on those 

contributions; in large part, you will 

be retiring on the potential earnings 

generated by that pool of invested 

assets. 

How much more do you need to 

save? A ballpark example: Marisa, a 

pre-retiree, has zero retirement savings 

at age 45 and dedicates herself 

to doing something about it. She 

decides to save $500 each month 

for retirement. After 20 years of 

doing that month after month, and 

with her retirement account yielding 

6% a year, Marisa winds up with 

about $225,000 at age 65. 1 

After 65, Marisa would probably 

realize about $10,000 a year 

JAN/FEB 2 0 1 4 

in inflation-adjusted retirement 

income from that $225,000 in 

invested retirement savings. Would 

that and Social Security be enough? 

Probably not. Admittedly, this is 

better than nothing. Moreover, her 

retirement account(s) might average 

better than a 6% return across 

20 years.1,* 

The math doesn’t lie, and the 

message is clear: Marisa needs to 

save more than $6,000 a year for 

retirement. Practically speaking, 

that means she should also exploit 

vehicles which allow her to do that. 

In 2014, you can put up to $5,500 

in an IRA, $6,500 if you are 50 or 

older – but you can sock away up 

to $17,500 next year in a 401(k), 

403(b), Thrift Savings Plan and 

most 457 plans, which all have a 

maximum contribution limit of 

$23,000 for those 50 and older. 2 

If Marisa is self-employed (and 

a sole proprietor), she can establish 

a solo 401(k) or a SEP-IRA. 

The yearly contribution limits are 

much higher for these plans. If 

Marisa’s 2013 net earnings from 

self-employment (after earnings 

are reduced by one-half of self-employment 

tax) work out to $50,000, 

she can put an employer contribution 

of up to $10,000 in a SEP- 

IRA. (She must also make similar 

percentage contributions for all 

“covered” employees, excepting her 

spouse, under the SEP IRA plan.) 

As a sole proprietor, Marisa may 

also make a combined employeremployee 

contribution of up to 

$33,000 to a solo 401(k) this year, 

and if she combines a defined 

benefit plan with a solo 401(k), the 

limit rises to $47,400. If her 2013 

net earnings from self-employment 

come out to $150,000, she can 

make an employer contribution 

of as much as $30,000 to a SEP- 

IRA, a combined employee salary 

deferral contribution and employer 

profit sharing contribution of up 

to $53,000 to a solo 401(k), and 

contribute up to $96,300 toward 

her retirement through via the 

combination of the solo 401(k) 

and defined benefit plan. 3 

How do you save more? As you are 

likely nearing your peak earnings 

years, it may be easier than you 

initially assume. One helpful step 

is to reduce some of the lifestyle 

costs you incur: cable TV, lease 

payments, and so forth. Reducing 

debt helps: every reduced credit 

card balance or paid-off loan frees 

up more cash. Selling things helps 

– a car, a boat, a house, collectibles. 

Whatever money they generate for 

you can be assigned to your retirement 

savings effort. 

Consistency is more important 

than yield. When you get a late 

start on retirement saving, you 

naturally want solid returns on your 

investments every year – yet you 

shouldn’t become fixated on the 

return alone. A dogged pursuit of 

double-digit returns may expose 

you to considerable market risk 

(and the potential for big losses 

in a downturn). Diversification is 

always important, increasingly so 

when you can’t afford to lose a big 

portion of what you have saved. So 

is tax efficiency. You will also want 

to watch account fees. 

Where is your financial plan 

leading you? 

Do you know... 

• Options for living expenses during retirement? 

• The best time to start collecting Social Security? 

• How to secure your finances through a life transition? 

Learn these lessons and more... 

Seminars offered by Chrysantha Clark, CFP ® at the Beaumont Library 

at 6:30pm. 

FEB 4 – Building a Strong Financial Future: Strategies for Age 45 to Retirement 

FEB 6 – Social Security: Seven Ways to Optimize Benefits 

FEB 17 – 21st Century Retirement: Strategies for Managing Retirement Income 

MARCH 6 – Financial Strategies for Women in Transition 

1 5 

What if you amass a big nest 

egg & still face a shortfall? Maybe 

you can reduce expenses in retirement 

by moving to another city 

or state (or even another country). 

Maybe you can broaden your skill 

set and make yourself employable 

in another way (which also might 

help you before you reach traditional 

retirement age if you find yourself 

in a declining industry). 

If you haven’t begun to save for 

retirement by your mid-40s, you 

have probably heard a few warnings 

and wake-up calls. Unless you are 

independently wealthy or anticipate 

being so someday, the truth of the 

matter is... 

If you haven’t started saving for retirement, 

you need to do something 

to save your retirement. 

That may sound harsh or scary, but 

without a nest egg, your vision of 

a comfortable future is in jeopardy. 

You can’t retire on hope and 

SAVE Continued on Page 31 

Seating is limited. 

Contact chrysantha.clark@keystoneky.com or 

859.317.8316 ext. 116 

www.keystoneky.com 

Securities offered through LPL Financial, Member FINRA/SIPC

1 6 JAN/FEB 2 0 1 4 

Events 

Calendar 

JAN. 2014 FEB. 2014 

Sun Mon Tue Wed Thu Fri Sat 

1 2 3 4 1 

5 6 7 8 9 10 11 2 3 4 5 6 7 8 

12 13 14 15 16 17 18 9 10 11 12 13 14 15 

19 20 21 22 23 24 25 16 17 18 19 20 21 22 

26 27 28 29 30 31 23 24 25 26 27 28 

Ongoing 

Yoga Health & Therapy 

Center Classes 

Our Yoga Classes feature slow 

stretch with gentle breathing, 

and relaxation techniques. 

Class size is small, to provide 

careful instruction. Yoga classes 

are offered Mon through Thurs 

(daytime and evening), and Sat 

mornings. Our Meditation Starter 

Course teaches simple ways 

to focus and quiet the mind; 

5-week sessions are offered on 

Sundays at 5:30 pm. A nonprofit 

organization operating 

since 1981, The Yoga Health & 

Therapy Center is located at 322 

W. 2nd St. Free private parking 

is provided for most classes. For 

more information on fees and 

scheduled dates and times, call 

us at 859-254-9529, or email us 

at info@yogahealthcenter.org 

Sun Mon Tue Wed Thu Fri Sat 

Send us your event listings 

List your event for FREE if it’s free to the public*. 

E-mail your event information to graphics@samplerpublications.com 

(*$35 fee for events that are not free to the public) 

Reiki Introduction & 

Practice 

6:30pm- 8:30pm, 4th Tuesday 

each month. 1403 E. Breckinridge 

Street, Louisville, KY. Free. 

Those who do have not Reiki 

training—come for an introduction 

& to experience it. No experience 

required. Those with Reiki come 

to practice on others & receive 

the Reiki energy. Everyone will 

get 15 -20 minute Reiki treatment. 

Free reattunement to your last 

level of Usui or Karuna Reiki® if 

you have your certificate. Contact 

JoAnn Utley at 502-777-3865 

or jutley5122@bellsouth.net to 

register. More info at http:// 

joannutley.byregion.net 

Sit and Get Fit 

Mondays and Fridays, 9:30am- 

10:30am. FREE! This event is 

a seated controlled exercise/ 

movement class to improve 

strength, flexibility, balance 

and coordination. It is taught 

by Anne Graff, MS, OTR/L, 

Occupational Therapist certified 

by the American Senior Fitness 

Association as a Senior Fitness 

Instructor and trained in Body 

Recall. Also included are: Fall 

Prevention and Recovery, Fun 

Movements to Strengthen 

Body and Mind, Improve 

Posture and Core Conditioning, 

Wellness Education, Relaxation 

Techniques, and Music. 

The Charles Young Center is 

located at 540 E. Third Street. 

Parking is available on Shropshire 

Avenue or Lewis Street, 

Lexington, KY. Ages 60 and older. 

For more information, please 

contact Alexis Edge at 859-246- 

0281 or aedge@lexingtonky.gov. 

Wellness Wednesday 

On the first Wednesday of the 

month, all Good Foods Market 

and Café customers will receive 

5% off all supplements, body 

care, and bulk herb & spice 

items. Customers can special 

order Wellness Wednesday items 

ahead of time and pick them up 

on Wellness Wednesday. When: 

Wednesday, July 3, 8 am – 10 

pm. held at Good Foods Market 

& Café, 455 Southland Drive. 

January 9 

Stop Smoking Class 

Series 

6 - 7 pm (Weekly until April 3), at 

the Nathaniel Mission Free clinic, 

616 DeRoode Street. Based on 

the Cooper-Clayton method, 

$10/week for 10 weeks covers 

the cost of nicotine replacement 

(patches, gum, etc). For more 

information or to pre-register, 

288-2457. Sponsored by the 

Lexington-Fayette Co. Health 

Dept. 


Low-Impact Zumba 

Classes 

6 - 7pm, 7-8 pm, William Wells 

Brown Community Center, 548 

East Sixth Street. Weekly until 

May. Second hour offers a variety 

of other movement classes, 

including boot camp and Yoga. 

Free and for adults age 18 and 

above. Sponsored in part by the 


Dept. and Lexington Parks and 

Recreation. For more information, 

contact Jill Chenault-Wilson at 

389-6678. 


Free Group Training 

Classes 

9-10am. Every Saturday morning 

during the month of January, 

Body Structure Medical Fitness, 

2600 Gribbon Drive, Lexington. 

Saturday morning Power Hour is 

designed to mix interval training 

with steady state cardio exercises 

to burn calories and increase 

metabolism. Workouts will focus 

on resistance training to increase 

muscle tone and reduce body fat! 

jfoglesong@bodystructure.com, 

859-268-8190. 


Diabetes Support 

Group 

10-11 am, Senior Citizens Center, 

1530 Nicholasville Road, Free. 

Sponsored by the Lexington- 

Fayette Co. Health Dept. For 

more information, call (859) 288- 

2352. 


Low-Impact Aerobics 

Classes 

6-7 pm, various fitness classes 

7-8 pm, William Wells Brown

Community Center, 548 East 

Sixth Street. Weekly through May. 

Weight room also open 5 – 9 pm. 

Free and for adults age 18 and 

above. Sponsored in part by the 


Dept. and Lexington Parks and 

Recreation. For more information, 

contact Jill Chenault-Wilson at 

389-6678. 


Health Chats about 

Diabetes 

6:15-7:30, UK Polk Dalton 

Clinic, 217 Elm Tree Lane, Free. 

Sponsored by the Lexington- 

Fayette Co. Health Dept. and UK 

Healthcare. For more information, 

call (859) 288-2352. 


Stop Smoking Class 

Series 

6–7 pm (Weekly until April 8), at 

the St. Joseph Cancer Center, 

701 Bob-O-Link Dr., Suite 250, 

Lexington. Based on the Cooper- 

Clayton method, $10/week for 10 

weeks covers the cost of nicotine 

replacement (patches, gum, etc). 

For more information or to preregister, 

288-2457. Sponsored by 

the Lexington-Fayette Co. Health 

Dept. 


“A New You” Weight 

Loss Class 

6:30-8 pm, at the Beaumont 

Library, 3080 Fieldstone Way, 

Lexington. Learn healthy weight 

loss strategies, including meal 

planning and eating healthy on 

a budget at this FREE class. 

Presented by the Lexington- 

Fayette County Health 

Department. Pre-registration 

required: call (859) 231-5500 or 

859-288-2352. 



Classes 





Saturday morning Power Hour 

is designed to mix interval 

training with steady state cardio 

exercises to burn calories and 

increase metabolism. Workouts 

will focus on resistance training 

to increase muscle tone and 

reduce body fat! jfoglesong@ 

bodystructure.com, 859-268- 

8190. 

JAN/FEB 2 0 1 4 


The Mindful Way to 

Stress Reduction 

Everyday life is full of stressful 

events. Mindfulness is a way 

to manage stress. This age old 

practice of cultivating awareness 

through meditation and gentle 

movement is about being present 

in the fullness of our lives with 

balance and joy. Learn about 

powerful ways mindfulness 

can enhance your physical and 

emotional health by reducing 

stress. Experience the benefits 

of a mindful practice with MBSR 

instructor Toni Reiss. Toni will 

teach a free class on the world 

acclaimed 8-week Mindfulness- 

Based Stress Reduction (MBSR) 

program on January 19 from 

3:00 – 4:00 p.m. This class is 

recommended for those who 

plan to enroll in the 8-week 

MBSR class starting January 

26. All classes will be held at 

Lexington Healing Arts Academy, 

272 Southland Drive, Lexington.) 

Register for this free class by 

calling 859-252-5656 or email 

mindfulnessmatters2us@gmail. 

com 


Eat, Move, Lose 

Weight Support Group 

12 – 1 pm, Lexington-Fayette 

Co. Health Department PH Clinic 

South, 2433 Regency Road. 

Free weight-loss support group 

appropriate for anyone wishing 

to lose weight or maintain weight 

loss. Share struggles and ideas 

with others. Held first and third 

Tuesdays most months. For more 

information or to pre-register, call 

288-2352. 


Infant CPR 

1 pm and 1:45 pm, Babies R Us, 

Hamburg Pavilion, Lexington. 

1001 Crossfield Drive 

Versailles, KY 40383 

Learn the ABC’s of infant CPR 

as this 45-minute class prepares 

you with important basic CPR 

techniques. $3 for instructional 

materials. Co-sponsored by 

the Lexington Fire Department. 

Registration required: call Babies 

R Us Baby Registry at 859-263- 

8598. 


Know the 10 Signs: 

Alzheimer’s Disease 

If you or someone you know is 

experiencing memory loss or 

behavioral changes, it’s time to 

learn the facts. Early detection 

of Alzheimer’s disease gives 

you a chance to begin drug 

therapy, enroll in clinical studies 

and plan for the future. The 

program will take place at the 

Jessamine County Cooperative 

Extension Office located at 

95 Park Drive, Nicholasville 

on Wednesday, January 22nd 

from 1-2pm. To register for 

this program, please call 1-800- 

272-3900 or e-mail infoky-in@alz. 

org. Registration is preferred. 



Classes 





Saturday morning Power Hour is 

designed to mix interval training 

with steady state cardio exercises 

to burn calories and increase 

metabolism. Workouts will focus 

on resistance training to increase 

muscle tone and reduce body fat! 

jfoglesong@bodystructure.com, 

859-268-8190. 



Practice 

6:30pm- 8:30pm. Call for 

Take a tour and join us for lunch, on us! 

Make your reservation today for our 

complimentary lunch and tour. 

daisyhillseniorliving.com and 

859.753.2000 

us on Facebook 

1 7 

address, Louisville, KY. 

Free. Those who do have not 

Reiki training—come for an 

introduction & to experience 

it. No experience required. Those 

with Reiki come to receive the 

Reiki energy & practice on others. 

Free reattunement to your last 

level of Usui or Karuna Reiki® 

upon request if you have your 

certificate. Contact JoAnn Utley 

at 502-777-3865 or jutley5122@ 

bellsouth.net to register. More 

info at http://joannutley.byregion. 

net. 

February 25 


Practice 

6:30pm- 8:30pm. 2508 

Wallace Avenue, Louisville, KY 

40205. Free. Those who do 

have not Reiki training—come for 

an introduction & to experience it. 

No experience required. Those 

with Reiki come to receive 

the Reiki energy & practice on 

others. Free reattunement to 

your last level of Usui or Karuna 

Reiki® upon request if you 

have your certificate. Contact 

JoAnn Utley at 502-777-3865 

or jutley5122@bellsouth.net to 

register. More info at http:// 

joannutley.byregion.net. 

February 6 

KY Sport, Boat and 

Recreation Show 

Huge off-season savings on 

latest models and equipment, 

daily fishing demonstrations and 

much more! Time: Thursday- 

Friday 1-9 p.m.; Saturday 9 

a.m.-9 p.m.; Sunday 10 a.m.-5 

p.m. Admission TBA 430 West 

Vine Street. (859) 233-4567 www. 

rupparena.com. Location: Rupp 

Arena & Heritage Hall 

Nature lovers, hikers, cliff climbers 

RENT THIS CABIN 

Near Natural Bridge State Park and 

Red River Gorge. 

Call or visit website for reservations. 

Ken & Sheila Brown 

www.VRBO.com/361686 

(606) 668-2599 

(606) 643-6044 

ksbrown@mrtc.com

1 8 JAN/FEB 2 0 1 4 

Senior Services 

DIRECTORY 

About the Directory 

Living Well 50+ is striving to make your search for local 

senior services a bit easier. We know there are many 

companies available to assist seniors in central Kentucky 

– so many that beginning a search to fit your need can 

seem like a daunting task. 

That’s why our directory features a collection of local 

companies and organizations who have a solid track 

record of providing exceptional assistance. We hope it 

becomes a useful starting point in your search for quality 

senior services. 

Category Key 

County Offices & Meal Programs 

Health Care Systems & Hospitals 

Transportation, Personal Shopping, Errands 

Does your 

business 

provide 

excellent 

senior 

services? 

call us for a spot 

in the directory 

859.225.4466 

Senior Day Centers, Adult Day Centers & 

Respite Care 

In Home Care (Non-Medical) 

In Home Medical Care 

Mental Health, Family & Caregiver Support, Advice 

Disability & Rehabilitation 

Medical Equipment, Supplies & Monitoring Systems 

Finances & Estate Planning, Trusts/Wills, 

Reverse Mortgage 

Funeral Arrangement & Pre-Planning 

Legal Services 

Home Repair & Maintenance 

Skilled Nursing Facilities, Personal Care Homes, 

Long-Term Care 

Senior Independent Living & Retirement Housing 

(Non-Medical) 

Real Estate / Rent- Subsidized Housing For Independent 

Living 

Moving, Estate Sales, Downsizing Services 

Fitness, Healthy Eating & Healthy Living 

Healthcare, Medicare Help and Insurance 

Vision Care

JAN/FEB 2 0 1 4 

1 9 

HEALTH CARE SYSTEMS 

& HOSPITALS 

Lexington Clinic 

1221 S. Broadway 


859-258-4000 

IN HOME CARE 

(NON-MEDICAL) 

Accessible Home 

Health Care 

366 Waller Ave. Ste. 112 


859-313-5167 

www.accessiblebluegrass.com 

Assisting Hands 

1795 Alysheba Way, Ste. 7105 


859-264-0646 

www.assistinghands.com/lexington 

Senior Helpers of the 

Bluegrass 

3070 Harrodsburg Rd. Ste. 240 


859-296-2525 

www.seniorhelpers.com 

IN HOME 

MEDICAL CARE 

Medi-Calls 

1055 Wellington Way #215 


859-422-4369 

Saint Joseph Home Health 

2464 Fortune Dr. Ste. 110 


859-277-5111 

www.saintjosephanchomecare.com 

DISABILITY & 

REHABILITATION 

YMCA of Central Kentucky 

239 E. High St. 


859-254-9622 

ymcaofcentralky.org 

Drayer Physical Therapy 

Institute: Winchester Center 

160 Pedro Way 

859-745-2152 

www.drayerpt.com 


Institute: Richmond Center 

1054 Center Drive, Ste. 1 

859-625-0600 



Institute: Lexington Perimeter 

Center 

600 Perimeter Drive, Ste. 175 

859-268-1201 



Institute: Lexington Beaumont 

Center 

1010 Monarch Street, Ste. 150 

859-219-0211 


MEDICAL EQUIPMENT, 

SUPPLIES & 

MONITORING SYSTEMS 

Central Baptist Lifeline 

859-260-6217 

www.centralbap.com 

FINANCES & ESTATE 

PLANNING, TRUSTS/ 

WILLS, REVERSE 

MORTGAGE 

Attorney Walter C. Cox, Jr 

& Assoc. LLC 

2333 Alexandria Dr. 

859-514-6033 

www.waltercoxlaw.com 

info@waltercoxlaw.com 

LEGAL SERVICES 

Bluegrass Elder Law 

120 North Mill Street, Ste 300 

859-281-0048 

www.bgelderlaw.com 

HOME REPAIR & 

MAINTENANCE 

Mountain Waterfalls 

Award-Winning Water Features 

859-684-0642 

www.mountainwaterfalls.net 

SENIOR INDEPENDENT 

LIVING & RETIREMENT 

HOUSING (NON-MEDICAL) 

Mayfair Village 

3310 Tates Creek Rd. 


859-266-2129 

www.mayfairseniors.com 

Windsor Gardens of 

Georgetown Assisted Living 

100 Windsor Path 

Georgetown, KY 40324 

502-570-0540 

marsha@goodworksunlimited.com 

Rose Mary C. Brooks Place 

200 Rose Mary Dr. 

Winchester, KY 40391 

859-745-4904 

www.brooksplace.org 

The Lafayette 

690 Mason Headley Rd. 

859-278-9080 

www.lafayettelexington.com 

Ashland Terrace 

475 S. Ashland Ave. 


859-266-2581 

www.ashlandterrace.org 

Hometown Manor Assisted 

Living Community 

Georgetown, Lawrenceburg, 

Shelbyville 

859-229-5914 

www.hometownmanor.com 

St Andrews Retirement 

Community 

300 Stocker Dr. 

859-625-1400 

www.standrewsplace.org 

MORE 

LISTINGS 

ON NEXT 

PAGE 

Bluegrass 


ElderlawPLLC 

Take control of your future 

Carolyn L. Kenton 

Amy E. Dougherty 

120 N. Mill St., Ste. 300 


Phone: 859.281.0048 

Wealth Preservation 

Powers of Attorney 

Guardianship 

Medicaid Planning 

Probate

2 0 JAN/FEB 2 0 1 4 

We have what no other 

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The quality of life you enjoy depends on the 

quality of care your receive. Our caregivers 

go beyond caring for patients to 

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● 

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No matter when you call you will speak 

with an experienced associate who can 

help you with all your home care needs. 

For more information call: 

SERVICE DIRECTORY, CONTINUED 

REAL ESTATE / 

RENT-SUBSIDIZED 

HOUSING FOR 

INDEPENDENT LIVING 

Turf Town Properties, Inc. 

124 Kentucky Ave. 


859-268-4663 

www.turftown.com 

Briarwood Apartments 

1349 Centre Parkway 


859-272-3421 

glickco.com 

MOVING, ESTATE SALES, 

DOWNSIZING SERVICES 

Caring Transitions 

1411 Delaware Ave. 

859-543-9848 

www.CTLex.net 

Lexington Life Services 

859-797-8157 

lexingtonlifeservices.com 

FITNESS, HEALTHY 

EATING & HEALTHY 

LIVING 

Yoga Health & Therapy 

Center 

322 West Second Street 


859-254-9529 

www.yogahealthcenter.org 

Well Fed Meals 

1301 Winchester Rd. #17 


859-539-5863 

www.wellfedmeals.com 

HEALTHCARE, 

MEDICARE HELP & 

INSURANCE 

Bluegrass Insurance 

Solutions 

859-312-9646 

www.PeteAlberti.com 

VISION CARE 

Medical Vision 

3288 Eagle View Ln. Ste. 300 

Lexington, KY 

859-278-9486 

www.medicalvision.com 

TRANSPORTATION, 

PERSONAL SHOPPING, 

ERRANDS 

Superior Van & Mobility 

4734 Rockford Plaza 

Louisville, KY 40216 

1-800-458-8267 

www.superiorvan.com 

Saint Joseph-ANC 

Home Care 

859-277-5111 

2464 fortune drive,suite 110 

lexington, ky 40509 

www.saintjosephanchomecare.com 

Proudly serving Central Kentucky since 1985

JAN/FEB 2 0 1 4 

THIS IS AN ADVERTISEMENT. 

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Bluegrass Regional Imaging is an independent testing facility and, therefore, 

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® 

2 2 

2 JAN/FEB 2 0 1 4 

JAN/FEB 2 0 1 4 

Can A Living Revocable Trust Benefit Your Estate? 

by Walter C. Cox, Jr. Attorney at Law 

Property Passes Free of 

Probate Costs 

Your living revocable trust agreement 

can do just about anything 

a will could do. It can provide 

that a specific property be paid 

to a designated beneficiary; that 

a specified dollar amount be paid 

to the American Institute for 

Cancer Research to support its 

ongoing war against cancer; or 

that the trust be continued for 

the benefit of designated beneficiaries. 

And the living revocable trust 

has this advantage over a will: 

properties you transfer to the 

trust will pass to your designated 

beneficiaries free of the costs and 

delays of probate. 

For some people, another 

important advantage of the living 

revocable trust is privacy. Unlike 

a will, which is always open to 

the public, your living revocable 

trust will be a private document 

the public need never see. 

Can A Living Revocable 

Trust Benefit Your 

Estate? 

Like thousand of other friends 

and supporters of the American 

Institute for Cancer Research, 

you have probably asked yourself 

whether you should consider 

a living revocable trust as the 

cornerstone of your personal 

estate plan. 

In most cases, a living revocable 

trust can avoid or minimize 

probate costs and delays in the 

distribution of property at your 

death. And depending on the 

size and nature of your estate, 

this can be a sound reason for 

creating a living revocable trust. 

But there are other advantages, 

disadvantages and alternative 

arrangements you may want to 

consider. 

A Living Revocable 

Trust Can Be Complex 

The first step in creating a living 

revocable trust is to plan and 

execute a rather lengthy written 

trust agreement - commonly 

called a Declaration of Trust. 

This agreement will establish 

your trust as a separate legal entity 

capable of owning property 

in its own name. It will provide 

detailed directions for the distribution 

of trust properties at your 

death and contain provisions 

designed to give you full and a 

complete control over the trust 

properties during your life. 

The second essential step is to 

transfer the legal ownership of 

certain properties to the trust. 

You can generally transfer stocks, 

bonds, and mutual fund shares 

by having them reissued in the 

name of the trust. Real property 

can be transferred to the trust by 

a deed that is properly recorded. 

Business interests, bank accounts 

or other properties can also be 

transferred to the trust. 

Some Questions 

and Answers - Living 

(Revocable) Trust 

I. What is an Estate Plan? 

An Estate Plan is the creation of 

a definite plan for managing your 

wealth while you are alive and 

distribution it after your death. 

Your Estate is defined as all the 

wealth accumulated during your 

lifetime. Example of property 

may include the following. 

1. Real property (residence) 

and (rental property) 

2. Business interests (partner 

TRUST Continued on Page 31 

Why a Living Trust is the Best Option 

Have a Will (Probate) 

Probate is the system that removes the name of a 

deceased person from the assets. 

• All claims, real or imagined, must be settled to 

the court’s satisfaction 

• Probate takes time . . . many months or even 

years 

• Probate costs money . . . 4% to 8% of the 

estate value is not uncommon 

• Probate is public record 

• A will is of no help if you become 

incapacitated 

Please call 859-514-6033 or fill out this form for a consultation in our office: 

Name 

Address 

City, State, Zip 

Phone 

Age 

WILL vs. TRUST 

County 

Spouse’s Age 

(aarp) endorses LIVING TRUSTS • (smart money magazine) endorses LIVING TRUSTS 

Have a Trust (No Probate) 

A Living Trust is the fail proof way to pass 

along your estate to your heirs without 

lawyers, courts or the probate system. 

• Be in total control for as long as you 

live and are competent 

• Eliminate court interference if you 

become incapacitated 

• Administer your estate yourself before 

you die. 

• Let your children do final settlement 

without cost or delay 

• Keep everything private and reduce 

excess taxes 

There is no charge nor obligation to see if a 

Living Trust is right for you! 

Please fill out form (left) and mail to address below: 

Atty. Walter C. Cox, Jr. 

The Law Offices of Attorney Walter C. Cox Jr. 

2333 Alexandria Dr., Lexington, KY 40504 

www.waltercoxlaw.com 

info@waltercoxlaw.com 

Rated AV by Martindale Hubbell for 30 years.

JAN/FEB 2 0 1 4 

2 3 

More than an industry, bourbon is a 

culture, a history and a heritage built by 

generations of Kentuckians. 

The Bourbon Trail 

Leads All to Kentucky 

Signature libation is a proud part 

of state’s history 

by Thomas W. 

Miller Ph.D. 

ABPP, Staff Writer 

Bourbon whiskey 

is an integral part 

of Kentucky history. Bourbon 

distilling probably arrived in the 

state when Scottish, Scots-Irish 

and other settlers began to farm 

Kentucky fields in the late 18th 

century. Their distilleries created a 

unique spirit that became known as 

bourbon in the early 19th century 

due to its historical association with 

the geographic area known as Old 

Bourbon country, which itself was 

named after the French royal house 

of Bourbon. 

History and Tradition 

James Crow and Jason Amburgey 

are credited with developing the 

process referred to as sour mash. 

This process utilized fermentation. 

Sour mashing mixed wet solids 

strained from a previous batch 

of fermented mash, which still 

contained live yeast. Spent mash is 

known as spent beer, distillers’ spent 

grain and stillage. It is also called 

slop or feed mash because it is used 

as animal feed. The acid introduced 

by using the sour mash controls the 

growth of bacteria that could taint 

the whiskey. It creates a proper pH 

balance for the yeast to work. Since 

around 2005, all straight bourbons 

use a sour-mash process. Crow and 

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Amburgey developed this refinement 

while working at the Old 

Oscar Pepper Distillery, now the 

Woodford Reserve Distillery in 

Woodford County. 

Kentucky’s Bourbon 

Trail 

The unique nature of bourbon can 

be derived from the iron-free water 

used in the distillation process. 

Since 95 percent of this corn-based, 

barrel-aged, caramel-colored 

sipping icon is distilled, aged and 

bottled right here in Kentucky’s 

bourbon country, it’s big business 

for the Bluegrass State. But more 

than an industry, bourbon is a culture, 

a history and a heritage built by 

generations of Kentuckians. 

The legendary Kentucky Bourbon 

Trail that winds through the heart of 

bourbon country features some of 

the Commonwealth’s top distilleries, 

including Maker’s Mark, Jim 

Beam and Woodford Reserve. The 

Urban Bourbon Trail in Louisville 

features bourbon bars, each of 

which is required to serve at least 

50 different kinds of bourbon and 

hold at least one bourbon-related 

event each month of the year. Most 

of these establishments also have 

bourbon-related food dishes on 

their menus. 

ARE YOU DISABLED? 

HAVE YOU APPLIED FOR SOCIAL SECURITY DISABILITY? 

ARE YOU CAUGHT UP IN RED TAPE? 

An experienced Social Security Claims Advocate can help you: 

• By assisting you in filing your initial application. 

• Filling out and filing your appeals. 

• Gather medical and other important information to submit to Social Security. 

• Contact your doctors to obtain a report of your medical condition. 

• By obtaining documents from your Social Security file and review them. 

• By presenting opening and closing statements at your hearing that 

will state how you meet the Social Security listing of being disabled. 

For a FREE CONSULTATION of your claim call 

Patsy R. Hughes, Disability Claims Advocate, 

NO FEE IS PAID UNLESS YOU WIN 

Bourbon Distilleries 

Operating in Kentucky 

Here is a listing of some 

distilleries that are in 

operation in Kentucky. Many 

of them offer tours. Visit the 

distilleries’ Web sites for 

more information. 

• Barrel House Distilling 

Company 

• Barton Distillery 

• Bernheim Distillery 

• Boulevard Distillery 

• Buffalo Trace Distillery 

• Bulleit Distilling Company 

• Charles Medley Distillery 

• Clarke’s Distilling 

Company 

• Corsair Artisan Distillery 

• Early Times Distillery 

• Four Roses Distillery 

• Heaven Hill Distillery 

• Jamieson Distillery 

• Jim Beam Distillery 

• Josiah Thedford & Sons 

• Kentucky Bourbon 

Distillers, Ltd. 

• Maker’s Mark Distillery 

• McLain & Kyne Distillery 

• Old Rip Van Winkle 

• Small Batch Distillery 

• The Old Pogue Distillery 

• The Woodford Reserve 

Distillery

2 4 JAN/FEB 2 0 1 4 

Late Life Success 

Col. Harland Sanders, founder of 

Kentucky Fried Chicken 

by Angela S. Hoover, Staff Writer 

Harland Sanders began Kentucky 

Fried Chicken out of sheer desperation 

at the age of 65. 

This venture was not his first try as 

a business owner, but it was by far 

his most successful. As a gas station 

operator in Corbin, Ky., Sanders at 

age 40 began cooking for hungry 

travelers. They ate from his own 

table in the station’s living quarters. 

People began coming for the 

food instead of the fuel, so Sanders 

moved across the street and 

opened a restaurant, the Sanders 

Café. By July 1940, after 10 years 

of experimenting, he had perfected 

his secret blend of 11 herbs and 

spices and the pressure-cooking 

technique and started selling fried 

chicken. 

When a new interstate highway 

diverted traffic away from 

his Corbin restaurant, Sanders 

devoted himself to fully developing 

his franchising business. His 

startup capital was money from 

his first Social Security check. He 

used it to go on the road looking 

for restaurant owners who would 

buy his fried chicken recipe. In less 

than 10 years, he had more than 

600 franchises. His first franchise 

agreement was with Pete Harman 

of South Salt Lake, Utah in 1952. 

Harman’s restaurant sales tripled 

the first year, with 75 percent of the 

increase coming from fried chicken 

sales. The Kentucky Fried Chicken 

name came from Don Anderson, a 

sign painter Harman hired. 

Sanders sold his interest in the 

business in 1964 for $2 million to 

a group of investors led by John Y. 

Brown, Jr., who later became the 

governor of Kentucky, and Jack 

C. Massey. Today the chain, now 

known as KFC, has more than 

15,000 restaurants in 109 countries. 

Sanders was born in 1890 three 

miles east of Henryville, Ind. He 

was the oldest of Wilbur David 

and Margaret Ann Dunlevy Sanders’ 

three children. Wilbur died 

of a fever in the summer of 1895. 

Margaret went to work in a tomato 

canning factory, leaving Harland in 

charge of cooking and taking care 

of his younger siblings. He began 

working as a farmhand at age 10. 

In 1902, Margaret remarried and 

the family moved to Greenwood, 

Ind. Sanders argued with his stepfather 

and moved out in 1903. He 

dropped out of school and went to 

live and work on a nearby farm. 

Sanders falsified his birth date to 

enlist in the U.S. Army in November 

1906 and was honorably 

discharged after three months. 

He worked various railroads jobs 

and became a fireman at age 16. 

In 1909 he married Josephine 

King and started a family – a son, 

Harland Jr. (who died in 1932 

from infected tonsils), and two 

daughters, Margaret and Mildred. 

He divorced Josephine in 1947 and 

married Claudia Price in 1949. 

Sanders studied law by correspondence 

through the La Salle Extension 

University. He began practicing 

law in Little Rock, Arkansas, 

but his legal career ended after he 

got into a courtroom brawl with his 

own client. He also sold life insurance 

for Prudential until he was 

fired for 

insubordination. 

In 1920, 

Sanders 

began a 

successful 

ferry boat 

company 

on the 

Ohio River 

between 

Jeffersonville 

and 

Louisville. 

He sold his 

company 

shares for 

$22,000 

and used the money to start a 

company manufacturing acetylene 

lamps. This venture failed after 

Delco introduced a line of electric 

lamps sold on credit. 

By 1930, Sanders was working at 

the Corbin gas station where he 

opened his first restaurant. He was 

commissioned as a Kentucky Colonel 

in 1935 by Gov. Ruby Laffoon 

for his contributions to the state’s 

cuisine. He was again commissioned 

as a Kentucky Colonel in 

1949 by his friend, Gov. Lawrence 

Wetherby, and he began donning 

his signature white suit and black 

tie. 

Sanders remained publicly active 

even in his 80s. He died of leukemia 

at the age of 90 in Shelbyville. 

His secret recipe – written in pencil 

on notebook paper – is kept in a 

vault inside KFC’s corporate headquarters 

in Louisville. 

You can sit beside a life-size statute 

of Col. Harland Sanders at the 

Harland Sanders Café and Museum 

in Corbin. 

Yellow/ Wildcat Cab 

Now offering 

wheelchair accessible vans 

Since 1934 Yellow/Wildcat Cab has been growing with the community 

As always we are looking forward to serving you

JAN/FEB 2 0 1 4 

2 5 

Located off U.S. 25 in Corbin, Ky., 

the Sanders Café is where Col. 

Harland Sanders began cooking and 

serving his world-famous Kentucky 

Fried Chicken. 

The kitchen at the Harland Sanders Café and Museum in 

Corbin is set up as it was during the café’s heyday. 

A Salute to Col. 

Sanders 

Café and Museum Showcase 

Birthplace of KFC 

by Tanya J. Tyler, Living Well 50 Plus Editor 

Located off U.S. 25 in Corbin, Ky., the 

Sanders Café and Museum is the birthplace 

of Kentucky Fried Chicken, the 

world-famous restaurant started by Col. 

Harland Sanders. 

The café is on the site of the motor court 

that Sanders built for travelers who were 

headed south. The museum is full of 

memorabilia, including menus, photos, 

dinnerware and other items. The kitchen 

is set up just as it might have been during 

the time Sanders experimented with and 

perfected his secret recipe of 11 herbs and 

spices. There is a replica of his office in the 

museum, as well as one of the rooms built 

right in the café to entice travelers to spend 

the night at Sanders Motor Court. And 

there is a life-size statue of Col. Sanders, 

complete with white suit, black tie and 

cane, sitting on a bench, a popular photo 

op for visitors. 

The Harland Sanders Café is on the National 

Register of Historic Places. It has a 

restaurant that still serves up original-recipe 

fried chicken, as well as today’s modern 

KFC takes, such as grilled chicken and 

extra crispy chicken. The museum is open 

daily from 10 a.m. to 10 p.m. 

After 10 years of 

experimenting, Sanders 

perfected his secret blend of 

11 herbs and spices. 

CALL 231-TAXI 

and ask for a wheelchair van 

D.B.A. Yellow Cab Company of Lexington 

799 Enterprise Drive • Lexington, KY 40510 • 859-233-4890

2 6 JAN/FEB 2 0 1 4 

50 Years Ago... 

Beatles Appear on Ed 

Sullivan Show 

English band sparks musical revolution 


Feb. 9, 1964 turned out to be a 

historic day. More than 73 million 

people across the country 

were glued to their TV sets that 

evening. They had been waiting 

all week for this moment. It was a 

phenomenon that had to be seen 

to be believed. 

The Beatles – John Lennon, Ringo 

Starr, George Harrison and Paul 

McCartney –were going to be on 

the popular music-variety program, 

The Ed Sullivan Show. 

During the time leading up to 

their performance, the Beatles, 

hailing from England, had a few 

records that hit No. 1 on the U.S. 

music charts, and radios across the 

country were blaring their tunes. 

Suddenly everyone had a case of 

“Beatlemania.” The excitement for 

and interest in the Beatles’ appearance 

had not been seen since Elvis 

Presley went on the same show in 

1956. 

How did Sullivan get the group 

on his show? He and his wife were 

at Heathrow Airport in London 

when they noticed throngs of 

youth standing in the rain. When 

they asked the young people why 

they were so patiently waiting 

in grey weather conditions, they 

learned the Beatles were returning 

home from a tour in Sweden. 

When he got back to his hotel 

room that night, Sullivan immediately 

proceeded to book the band 

for his show. 

Dressed in suits and sporting mop 

top haircuts, the Beatles played 

“All My Loving,” “Till There Was 

You” and “She Loves You.” After 

a break, they encored with “I Saw 

Her Standing There” and “I Want 

to Hold Your Hand.” But they 

could hardly be heard over the 

screams from the live audience. It 

was reported that 45.3 percent of 

all households in the United States 

watched the show. The program 

helped raise awareness of the 

group and fostered a rabid hunger 

for their music. A week later, 

the Beatles were on the cover of 

Newsweek magazine They would 

subsequently appear on The Ed 

Sullivan Show three more times. 

The Beatles’ arrival was game 

changing for the music industry. 

They paved the way for 

other bands, including the Rolling 

Stones and The Animals. Their 

revolution still impacts musical 

culture to this day. 

Living here has its advantages. 

“Thanks to The Willows at Hamburg, my son, Lowell, and I are able to 

remain under one roof. I can maintain an independent lifestyle, while 

my son receives the care he needs. This is the nicest place we have 

ever lived in. It has been a joy, and I have not one negative thing to 

say. Only loving, caring people are found here. I prayed and prayed 

for Lowell and I to find a place where we could both live together, and 

the good Lord brought us here.” 

Liz and Lowell Pennington 

Residents of The Willows at Hamburg 

Come and see how good life can be at The Willows at Hamburg 

– stop by or call to schedule a personal tour. 

Assisted Living • Memory Care • Long-Term Care • Skilled Nursing 

Short-Term Rehab • Outpatient Therapy • Transitional Care • Respite Care 

859-543-0337 • 2531 Old Rosebud • Lexington, KY 40509 • willowsathamburg.com

JAN/FEB 2 0 1 4 

Do You Have... 

LOOSE DENTURES or 

MISSING TEETH? 

2 7 

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2 8 JAN/FEB 2 0 1 4 

Through the Eye of the Artist 

Shapes and symmetry motivate local artist 

by Thomas W. Miller Ph.D. 

ABPP, Staff Writer 

Seasoned artists create paintings 

that capture natural beauty in their 

art. At a recent art show here in 

Lexington, I was drawn to a work 

that encompassed the realism and 

depth of flowers. 

Elaine Hiatt, a local artist, says as 

a child she never had an opportunity 

for expressing her love of art. 

She developed a feeling for art and 

painting through the Osher Lifelong 

Learning Institute (OLLI) 

at the University of Kentucky, a 

program that offers a variety of 

programs for Kentucky residents 

age 50 and older. 

Hiatt first studied under Jennifer 

Bacon. Several aspects of art 

that are appealing to her include 

repeating shapes, patterns and 

symmetry. Colors are realized in 

floral arrangements, particularly 

colors that complement and enhance 

each other. She also enjoys 

textures, as well as presentation 

and framing. Hiatt’s favorite objects 

are flowers and landscapes. 

She says she likes to “capture the 

natural beauty of the flower.” She 

often paints fresh flowers provided 

and arrangements made by Mary 

Neely at Artist’s Attic in Lexington. 

Hiatt notes that she is still learning 

and seeks eagerly workshops that 

will add to her tool kit of skills. 

She says she continues to search 

and search for “the new and the 

exceptional” and “loves learning 

something new.” She appreciates 

sharing ideas with other artists 

through critiquing each other’s 

work. She also enjoys sharing 

her skills with other artists and 

especially with her granddaughter, 

Katie. When Katie was just 5 

years old, she began painting with 

Hiatt and is now a graduate of the 

prestigious Savannah School of 

Art and Design. 

Art is powerful, not just for its 

beauty or the talent needed for its 

creation, but because it can cause 

emotion, make social statements 

and challenge preconceived ideas. 

Of course, not all works of art are 

intended to be so thought-provoking. 

Hiatt’s artwork on display 

does just that, though. Hiatt says 

not only talent but tenacity lead 

her to create the exact object of 

her painting. She says many artists 

don’t complete some of their 

ARTIST Continued on Page 31

JAN/FEB 2 0 1 4 

Understanding Your Credit 

Score 

It’s more than just one number 

by Angela S. Hoover, 

Staff Writer 

A credit score is 

a number that 

summarizes your 

credit risk, based on your credit 

report at a particular point in time. 

Potential lenders use this score 

to evaluate the risk of extending 

credit to someone. 

There are three major reporting 

bureaus where all credit and 

payment histories are reported 

and stored: Equifax, Experian and 

TransUnion. All three agencies 

will have a different credit score 

based on the information of its 

credit report. Everyone has more 

than 40 different credit scores, 

not a single credit score as is often 

stated in advertisements. 

There are so many different credit 

scores because banks and other 

lenders use several different lenses 

to evaluate people’s ability to 

manage credit. A particular lender 

may use one or a combination of 

several credit scores to make a determination 

about an application. 

These scores come from the three 

bureaus and in-house models. The 

two most popular scores are the 

FICO and VantageScore. 

FICO, the oldest model, was established 

in 1956 by the Fair Isaac 

Corporation. Its primary business 

is selling proprietary scoring systems 

to lenders and credit bureaus 

to evaluate lending risk. Originally 

used to calculate mortgage default 

risk, FICO has evolved to apply 

to many different types of credit. 

Today, people have six FICO 

scores: generic, mortgage, auto, 

bankcard, installment loan and 

personal finance. Additionally, 

each of the three bureaus has their 

own models to change the FICO 

scores, each with distinct variations 

for the six categories. This 

means everyone has a minimum 

of 16 separate FICO credit scores. 

The general weighted components 

of a FICO score are: 

• 35 percent – payment history 

• 30 percent – amounts owed 

• 15 percent – length of credit 

history 

• 10 percent – types of credit in 

use 

• 10 percent – new credit 

The VantageScore was launched in 

2006 as a collaboration between 

the three credit bureaus to help 

them compete with FICO. Just as 

with the FICO scores, a Vantage- 

Score can be tailored for particular 

lenders and types of credit. 

In addition to these 20 or so 

FICO and VantageScores, there 

about 10 to 20 other direct-toconsumer, 

application risk and 

customer risk scores (also called 

behavior scores). Higher scores 

are better. This is the breakdown: 

• 760-850: Excellent 

• 700-759: Very Good 

• 660-699: Good 

• 620-659: Fair 

• 619 or less: Bad 

Each lender will have their own 

parameters from which to judge 

your credit scores. And with the 

flexibility to customize the FICO 

and VantageScore models for specific 

purposes, hundreds of credit 

scores are possible. 

Checking and 

Improving Your 

Credit Scores 

Everyone is entitled to one free 

credit report a year at www.annualcreditreport.com. 

You can 

also buy your report directly from 

each of the bureaus or all three at 

www.myfico.com. Widely advertised 

third-party companies also 

offer free credit reports. Read the 

details to see which agency and 

score the company is providing. 

For instance, if the company uses 

Experian, you will either receive 

the FICO Experian Risk Score or 

the VantageScore. 

Here are some ways 

to improve your 

credit score: 

• Always pay in full and on time. 

• Increase your credit limit if 

possible. 

• Pay off balances and don’t carry 

revolving debt if you can avoid 

it. 

• If you have bad or no credit, 

don’t apply everywhere for 

credit; an inquiry deducts about 

five points off your score. To 

lenders, six or more inquiries 

indicates a likelihood of filing 

bankruptcy. 

• Don’t close old accounts; this 

could lower your score, and if 

you had a late payment it will 

not disappear from your credit 

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report just from closing the 

account. 

• If you must close accounts, 

close newer ones because longestablished 

credit relationships 

score well. 

• Avoid opening a lot of new accounts 

at once, especially if you 

don’t have a long credit history. 

A good rule of thumb is to have 

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• Fix bad credit. Work to have 

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3 0 JAN/FEB 2 0 1 4 

Person of Interest 

Charisse Gillett 

Seminary President Stresses Power of 

Lifelong Learning 


Lexington Theological Seminary 

(LTS) is a graduate institution 

accredited for the Master of Divinity, 

Master of Arts, Master of Arts 

in Pastoral Studies and Doctor 

of Ministry degrees. Founded in 

1865, it is not new, but the growing 

percentage of older students 

coming to the seminary is a new 

phenomenon. 

Charisse Gillett, President of LTS, 

has welcomed the surge of mature 

students with open arms. She 

feels strongly about the power of 

lifelong learning. 

“In our student population, the 

average age is 46, so many would 

be considered second-career 

students,” Gillett said. “They had 

a career as a teacher or doctor and 

are responding to wanting to be a 

minister or pastor a church.” 

Gillett feels there is a connection 

among everyone at the seminary. 

“Whether they are second career, 

raising families or married, when I 

think about them, I actually identify 

with them and the idea that 

God has called them at this point 

in their life to pursue an education 

and to pastor a church,” said Gillett. 

It is not always an easy journey. 

“There are challenges that come 

along with going back to school,” 

Gillett said. “You have to find a 

way to manage your time so you 

are able to care for your children 

and spouse and still do justice to 

your studies. Finding time to be 

reflective about your own place in 

life and time management can be a 

huge challenge.” 

LTS offers students the chance to 

pursue various interests. “Students 

study the history of the Bible, 

Greek and scripture. They learn 

how God helps people and how 

they can help the members of their 

congregations understand why 

faith is important to them today,” 

said Gillett. 

Becoming the seminary’s President 

was a clear course for Gillett. 

“I had been working in higher 

education for about 28 years and 

had always been committed to 

it,” she said. “My undergraduate 

degree is in social work and I have 

two graduate degrees in higher 

education.” 

She utilized her skills to the greatest 

capacity. “I worked as a trustee 

of the seminary for about six or 

seven years, and then I became the 

main employee responsible for 

admission and recruitment,” she 

said. “Then I became President.” 

Gillett, who is married to a minister, 

Rev. Dr. Donald Gillett III, 

describes herself as a Christian and 

an educator. “The work that I do as 

President is a good combination 

of what I care about in terms of 

education and what I care about 

in terms of faith,” she said. “I hope 

it is obvious that I care about the 

opportunity for every person to 

achieve their goals through education. 

One of the things I get to do 

as President is I have a chance to 

meet with people who care about 

the same things that I do, and an 

obvious benefit is to talk to people 

who care about education, faith 

and community.” 

Gillett is thankful she chose this 

course. “I am hopeful for the future 

and pray for a long tenure at the 

seminary,” she said. “We are a place 

where both clergy and laypeople 

can come and study and be encouraged 

to grow in their faith.” 

It is never too late 

to get involved, 

whether you want 

to take classes towards 

a degree or 

just enroll in continuing 

education 

classes. “We have 

classes that start 

year round,” Gillett 

said. “If someone 

is interested in the 

seminary or learning 

more about 

us, they can either 

call us or go to our 

Web site [www. 

lextheo.edu] and 

our director of 

admissions would 

be happy to guide 

them through the 

process.” 

I hope it is obvious that I care about the 

opportunity for every person to achieve 

their goals through education.” 

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SAFETY continued from Page 14 

and be prepared to give CPR if 

necessary. 

Driving Safety 

Braking time can be up to nine 

times longer in snowy or icy conditions. 

If your vehicle begins to 

skid, let off the gas and brakes and 

use a quick hand-over-hand steering 

technique to turn the front 

tires in the direction you want to 

go. Keep your gas tank half full to 

prevent the fuel line from freezing. 

Make sure your tires have 

adequate air and routinely check 

the tire pressure during winter. 

Keep wiper fluid full and replace 

shoddy wiper blades. Keep a 

long-handled windshield scraper 

handy. Store an emergency kit 

in your vehicle. Good things to 

include in it are: blankets, extra 

clothing, water, flashlight, batteries, 

battery-operated radio, phone 

charger, chemical heaters, jumper 

cables, written list of emergency 

contacts and any relevant medical 

information (conditions, blood 

type, allergies, medications), cat 

litter or sand for tire traction, a 

small shovel, flares, first-aid kit 

and non-perishable, high-energy 

foods such as nuts and granola 

bars. Don’t leave your vehicle 

if you’re stranded; wait in it. If 

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SAVE continued from Page 15 Personnel effects 

II. Why do you need estate 

you don’t want to rely on Social planning? 

Security, relatives or social services Planning is your strategy to overcome 

obstacles in preserving your 

agencies for your well-being when 

you are elderly. 

wealth during life and transferring it 

after death. The principal obstacle all 

Chrysantha Clark, CFP® may be of us face in planning our estates are: 

reached at Keystone Financial 1. SUCCESSION 

Group, 859.317.8316 or chrysantha.clark@keystoneky.com. 

2. DEATH TAX (Federal Estate 

Tax) 

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3. CONSERVATORSHIP 

4. IT IS A PUBLIC PROCESS 

* This is a hypothetical example and is not representative 

of any specific situation. Your results will 

5. LONG DELAYS, UP TO 2 

vary. The hypothetical rates of return used do not 

YEARS OR MORE 

reflect the deduction of fees and charges inherent to 6. VERY COSTLY 

investing. 

7. AGGRAVATION and STRESS 

There is no guarantee that a diversified portfolio III. What methods are used to 

will enhance overall returns or outperform a nondiversified 

plan an estate? 

portfolio. Diversification does not protect 

against market risk. 

There are three basic methods we 

can use to plan an estate? 

This material was prepared by MarketingLibrary.Net 

Inc., and does not necessarily represent the views of 

1. Do nothing 

the presenting party, nor their affiliates. All information 

2. Create a Will 

is believed to be from reliable sources; however 

3. Establish a Revocable Living 

we make no representation as to its completeness or 

accuracy. Please note - investing involves risk, and 

Trust 

past performance is no guarantee of future results. IV. What happens if I do 

The publisher is not engaged in rendering legal, 

Nothing? 

accounting or other professional services. If assistance 

is needed, the reader is advised to engage the services Believe it or not, a majority of 

of a competent professional. This information should Americans choose to do nothing. 

not be construed as investment, tax or legal advice 

and may not be relied on for the purpose of avoiding It has been reported that 70% of all 

any Federal tax penalty. This is neither a solicitation Americans have no estate plan. As 

nor recommendation to purchase or sell any investment 

or insurance product or service, and should not 

a consequence, upon their death, 

be relied upon as such. All indices are unmanaged and state law dictates how their Estate 

are not illustrative of any particular investment. 

is distributed. Unfortunately, the 

government’s plan has no particular 

concern for the best interest in your 

family. 

V. Is creating a Will a good 

THE YEAR WAS 1985… idea? 

Many people plan their Estates by 

creating a document called a Last 

Citations. 

1 - money.cnn.com/2012/08/15/pf/expert/latestart-retirement.moneymag/ 

[8/15/13] 

2 - irs.gov/uac/IRS-Announces-2014-Pension- 

Plan-Limitations;-Taxpayers-May-Contribute-upto-$17,500-to-their-401%28k%29-plans-in-2014 

[11/4/13] 

3 - forbes.com/sites/ashleaebeling/2013/11/01/retirement-savings-for-the-self-employed/ 

Girls” were fast becoming friends [11/1/13] on their first season on TV. 

Ronald Reagan was the 40th president. 

“The Golden 

A gallon of gas cost one dollar and twenty cents. 

the vehicle is still running, keep 

the exhaust pipe clear to prevent 

carbon monoxide poisoning. Tie 

Will and Testament. A Will is legal 

TRUST continued from Page 22 

something brightly colored to And 

declaration of how someone wants 

your antennae or outside mirror. The Lafayette 

ships, corporations, sole proprietorships) 

death. Unfortunately, a Will is avery 

his or her assets distributed after 

Run the engine no more than 

10 minutes every hour, leaving a opened 3. Investments (stocks, bonds, 

THE YEAR WAS THE 1985… YEAR WAS 1985… poor Estate Planning document 

Ronald annuities, Reagan was the 40th tax president. shelters, Ronald Reagan CDS) was the 40th president. 

downwind window slightly open 

in many cases. A Will guarantees 

“The its Golden doors. 

Girls” were fast becoming “The friends Golden on their Girls” first were season fast becoming on TV. friends on their first season on TV. 

A 4. gallon of Insurance gas cost one dollar proceeds 

and twenty A gallon cents. of gas cost one dollar and twenty cents. 

for ventilation. 

probate. 

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3 1 

VI. What is Probate? 

Succession is the mandatory court 

proceeding which completes all 

the legal and financial matters of 

the decedent. If there is a Will, the 

Probate Court reviews it and rules 

on it validity. It pays off all creditors 

and inventories all assets. Finally, 

it changes the title of all the assets 

from the name of the decedent to 

the names of the beneficiaries name 

in the Will. This procedure usually 

takes one to three years. 

VII. What are the disadvantages 

of Probate? 

For benefits of court supervision in 

Probate, your family will pay a heavy 

price. 

Excessive fees: Attorney’s fees, Executor’s 

fees, Appraisal fees, Court 

filing fees and Bond Premiums are 

in some circumstances, astronomical. 

Excessive delays: Probate averages 

between six months and three years 

to complete, depending on the 

complexity of the Estate. It has been 

reported that the national average is 

almost two-year delay. 

VIII. Have a Revocable Trust; 

Make an Easy Transition without 

Courts. 

ARTIST continued from Page 28 

paintings, but it is her determination 

that leads her to complete her 

efforts. 

Hiatt credits Ann Pass and Mary 

Neely of Artist’s Attic in Lexington 

with the artistic progress she 

has made in her paintings. For 

the artist, art often tells a story or 

evokes a specific emotion. 

“Painting is so satisfying that it 

allows me to cope with stress and 

understand the realness in my 

life,” Hiatt said. 

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Living Well 60+ January-February 2014

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