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“ASK LAURA ABOUT REAL ESTATE”
What NOT to Do Before Closing!
If you are thinking of purchasing a home, or are in the process of purchasing a home
already, there are a few things to keep in mind that you should NOT do right before or
during the process.
Laura Harbison
Broker/Owner
B.0026537.LLC/ PM.0164922.BKR
Accredited Buyer Representative ® (ABR)
At Home With Diversity (AHWD)
Broker Price Opinion Resource (BPOR)
Certified Distressed Property Expert ® (CDPE)
Certified Residential Specialist (CRS)
Distinguished Real Estate Broker ® (DRB)
Graduate, REALTOR ® Institute (GRI)
Pricing Strategy Advisor ® (PSA)
Resort & Second-Home Property Specialist
(RSPS)
Seniors Real Estate Specialist ® (SRES)
Equator Platform Platinum Certification
Equator Short Sale Agent Certification
Advanced Evaluations Certification
NVS Institute BPO Certification
Five Star BPO Designation
NAWRB Certified Delegate Spokeswoman
When you apply for a loan, the mortgage lender asks you for a lot of personal and financial
information to determine if you are qualified for the loan you are seeking. Your loan
approval can be REVOKED if you have changes that affect your credit, bank account,
income, or debt. You should avoid these common mistakes:
1. Don't make any large purchases. This includes Cars, Boats, RVs, Furniture or
Appliances (for your new home, etc), etc.
2. Don't open new loans or credit lines. These can change your debt-to-income ratio, or
may affect your credit score, which could cause you to no longer qualify for your mortgage
loan. This INCLUDES co-signing for someone else for any loan, credit card, or other
debt. Being a co-signer means that you are personally responsible for the debt (just as
responsible as the person you are co-signing for).
3. Don't close out existing accounts. It seems counter-intuitive, but closing out existing
accounts can actually have a negative effect on your credit score.
4. Don't make large deposits or withdrawals to your bank accounts. This can raise red
flags with lenders! If you receive or expect to receive monetary gifts (for instance, for your
down-payment on your new home), ask your loan officer how to document this properly
so that it doesn't cause you a problem down the road.
5. Don't change jobs. Don't quit your job or change to a different job before you receive
the keys for your new home. Your employment will likely be re-verified on the day you
are supposed to close on your new home, and if you are no longer "there" most likely your
loan will not be funded.
6. Don't pay your bills late. You MUST pay all of your bills on time. A late or missed
payment can cause a big drop in your credit score or cause you not to fit the guidelines for
your mortgage loan.
Laura@HarbisonRealEstate.com
www.LauraHarbisonRealEstate.com
Call Laura Today!
7022-777-1234
Don't risk your mortgage loan approval by making any of the above mistakes! Have a
question on this? Call me! We are open 7 days a week for your convenience and I'm
looking forward to hearing from you.
Sharing your goals,
Laura Harbison, ABR, AHWD, BPOR, BS, CDPE, CRS, DRB, GRI, PSA, RSPS, SRES
Realty Executives Southern Nevada Properties
Broker/Owner
License # B.0026537.LLC / PM.0164922.BKR
770 Coronado Center Drive, Ste. 100
Henderson, NV 89052
Office: 702-777-1234
2
October 2020
LAURAHARBISONREALESTATE.COM 702-777-1234
2335 Garnet Star St.
SOLERA Upgraded Freemont floorplan on
premium elevated lot w/ 3 BR/ 2 BA/ 1425
SF! Fresh interior paint, new laminate wood
flooring, ceramic tile flooring, new SS
appliances! Kitchen w/ corian countertops,
upgraded cabinets, nook and pantry.
Spacious MBR suite w/ceiling fan. Raised
panel doors, lever door handles, dual pane
windows with blinds. Finished 2-car garage.
Mature low maintenance landscaping.
Covered Patio & more! Age-restricted, 55+
$325,000
2176 Chapman Ranch Dr.
SUN CITY MACDONALD RANCH Spacious
2 BR/2 BA/1633 SF Alabaster floorplan w/
Formal living & dining rooms, island kitchen
w/ breakfast bar & nook w/ bay window.
Family room w/ built-in shelving & tile floors.
Private Master w/ ceiling fan, walk-in closet,
dual sinks & shower. Raised panel doors,
shutters, blinds and pot shelves. Fully fenced
rear yard w/ extended covered patio, lush
landscape & 2-car garage w/ keyless entry!
55+, Age-restricted. $355,000
2807 Thunder Bay Av.
SUN CITY ANTHEM Upgraded Hancock
Floorplan w/ 2 BR/ 2 BA/ 1096 SF featuring
plantation shutters, raised panel doors, tile on
diagonal , upgraded carpet & 2-tone paint.
Spacious MBR w/ walk-in closet & ceiling fan.
Large kitchen w/ all appliances, recessed
lighting, pantry & nook. 2-Car garage w/ epoxy
floor coating & keyless entry. Rear yard w/
covered patio, much more! Age-restricted, 55+.
$288,000
3708 Seashore Palm Ct.
TWIN PALMS Spacious 4 BR/4 BA/3095 SF
custom home with pool on premium
cul-de-sac lot! Lush mature landscape,
covered patio & built-in BBQ. Island kitchen
w/corian counters, breakfast bar & custom
cabinets! Vaulted ceilings t/o, upgraded
flooring, alarm system, intercom, central
vacuum. Huge MBR w/ceiling fan, 2 walk-in
closets & door to rear patio/pool area.
Oversized 3-car garage & more! $549,000
1068 Tropical Sage St.
SAGE CANYON Beautifully upgraded 3
BR+den+loft/2.5 BA/2480 SF modern split level
home! 2-car garage. Gorgeous island kitchen
w/ granite counters, upgraded cabinets & SS
appliances, walk-in pantry, recessed lights,
laminate floors & breakfast nook. Spacious
MBR w/large walk-in closet. Upgraded flooring,
2-tone paint & raised panel doors. Beautifully
landscaped backyard w/covered patio & fruit
trees. $395,000
620 Evergreen St.
HIGHLAND HILLS Upgraded 3 BR/2 BA/1615
SF 1-story home! Premium lot w/RV parking.
Sparkling pool & large patio area. Mature
landscape & huge storage shed. Great room w/
ceiling fan, laminate wood floors & 2-way gas
fireplace. Spacious MBR w/plantation shutters,
ceiling fan, mirrored closet. Updated kitchen
w/tile floors, granite counters, Farm-Style
kitchen sink, skylights & professional gas stove.
2-car garage! $308,800
12402 Mosticone Way
SOUTHERN HIGHLANDS Stunning 4
BR+loft/2 full BA & 2 half BA, 2638 SF home in
gated community! Open concept 1st floor w/
great room; gourmet island kitchen w/
upgraded granite counters, breakfast bar, W/I
pantry & recessed lighting. Formal dining
room, loft w/ceiling fan & slider to balcony.
Upstairs/downstairs powder bath. MBD w/
ceiling fan, walk-in closet & slider to balcony.
Covered patio, 2-car garage & more! $434,900
9624 Silver City Dr.
SILVERADO RANCH Adorable 2 BR/2.5
BA/1230 SF townhome in gated community!
Featuring great room w/vaulted ceiling & gas
fireplace, dining room w/ ceiling fan & kitchen
w/granite counters, new cabinets, breakfast bar
& all appliances included! Raised panel doors,
Berber carpet & 2-tone paint. MBD w/walk-in
closet. 1-car garage w/keyless entry, solar
screens & yard w/patio. Community pool &
more! $249,999
3
4
October 2020
PUBLISHER/EDITOR
PRESIDENT
VP ADVERTISING
POLITICAL EDITOR
ENTERTAINMENT EDITOR
NIGHT LIFE EDITOR
TRAVEL EDITOR
RADIO HOST
GRAPHICS EDITOR
DIGITAL MEDIA
VIDEO EDITOR
WEB DESIGN
PROJECT DIRECTOR
Pat Alexander
Adrea Barrera
John Bielun
Liz Breier
Yvonne Cloutier
Dianne Davis
Sandi Davis
Chuck Dean
Jan Fair
Howard Galin
www.thevegasvoice.net
www.vegasvoicetv.net
Volume 17, Issue 9
OUR FANTASTIC COLUMNISTS
PROUD
MEMBERS OF:
Susan Goldfein
Linda Gomez
Ali Guggenheim
Dianne Hahn
Morris Heldt
Dan Hyde
Mike Landry
Heather Latimer
BJ Killeen
Kathy Manney
Dan Roberts
dan@thevegasvoice.net
Ray Sarbacker
ray@thevegasvoice.net
Debbie Landry
debbie@thevegasvoice.net
Rana Goodman
rana@thevegasvoice.net
Evan Davis
evan@thevegasvoice.net
Sam Wagmeister
Stu Cooper
Rich Natole / Jon Lindquist
Michael Roberts
Ross Roberts
Matthew Moore
Success City Online
Bill Caserta
bill@thevegasvoice.net
Kyo Mitchell
Liz Palmer
Judy Polumbaum
Mary Richard
Renee Riendeau
Crystal Sarbacker
Jim Valkenburg
Beverly Washburn
Vicki Wentz
Kate Wind
About The Vegas Voice
In 2019, The Vegas Voice received 11 national awards from the North
American Mature Publishers Association. The awards were for our
guardianship special efforts, editorial and columns, front page graphics,
overall design and “General Excellence.”
The judges found (and we humbly
agree) that The Vegas Voice puts
a premium on well-informed
columnists who cover a lot of bases.
Serious issues are thoughtfully
discussed, but there’s enough fun
to lighten the mix.
Vegas Voice Live TV
By: Dan Roberts / Roberts Rules
“
I’m gonna make you a star!” My Rana’s
“look” in reply said it all but her PILL
(partner in love & life) as usual, was full of
himself.
And while the brain said, “shut up”, my mouth,
unfortunately moved faster and couldn’t help blurting
it out. My enthusiasm was in overdrive.
We finally did it!
It took some time, plenty of “two-steps forward,
one step back”, mistakes (we’ll call them
learning experiences) but we are beyond
proud, thrilled and excited to announce that
The Vegas Voice is coming to local TV.
Our television show, “Vegas Voice Live” will
be broadcast and make its debut on the CW – KVCW,
Channel 33 beginning Saturday, November 7, 2020 at
5:30 am.
Now we know full-well that no one (starting with yours truly) will
get up that early on a weekend (that’s why God invented the DVR) but
along with our Golden Network TV Roku presence, dedicated YouTube
channel and now our Las Vegas television show, The Vegas Voice is the
only media outlet that has print, web, radio and television access to
the senior public – locally and around the world!
Our goal for the weekly half-hour Las Vegas broadcast is to showcase
our great columnists, and more importantly, highlight everything
about The Vegas Voice that supports our claim of being “Nevada’s Most
Powerful Senior Resource.”
We’ll have various segments, from entertainment editor Evan Davis’
Celebrity Corner (his first guest – Frankie Scinta!) to our Hollywood
Memories Beverly Washburn talking about her fantastic career - and
that’s just a start.
We promise (just like our publication) to have a little bit of everything
for today’s seniors.
That includes my partner Ray Sarbacker hosting Veteran’s Voice to
discuss issues pertaining to all those who served our country; practical
advice and guidance in our Scams, Schemes & Senior Safety spots and
we’ll also have my Bronx brother, Bill Caserta.
He will be bringing his Bill Blurbs to our show. A word of advice: if
you think his columns are funny, just wait to you see how we let him
loose in front of the camera.
Vegas Voice Live will be co-hosted by yours truly and my Rana.
We figured that since (so far) we made it as a “forever couple” while
quarantined, why not do the program together?
And if you enjoy reading our monthly magazine, why not “watch” it
too? Who knows? You just might learn something new and even put a
smile on your face to start your weekend.
We also recognize there will be no Emmy Awards
and doubt that Vegas Voice Live will be a ratings
blockbuster. Despite all that, we are doing this
while having a ton of laughs and fun, and
especially during this coronavirus pandemic,
what’s wrong with that?
As you can only imagine, we have a bunch of
plans, ideas, etc., but would definitely like readers’ input
and suggestions. Any thoughts?
And don’t forget to set your DVR!
*I’m sure you noticed that this month’s edition contains more pages
than previous ones. It’s the home stretch for the political season and
while we are very grateful that the candidates have faith in The Vegas
Voice to get their message(s) out, it’s YOU, our readers that they want
to reach.
As we said, “seniors vote” so whoever you choose, from President to
District Court judge, make sure you take the time to make your voice
heard.
What Do You Think?
Do you agree with our columnists?
Did anyone get you angry, make you
think or simply put a smile on your
face? Please tell us by forwarding
your comments, thoughts or
suggestions to Publisher Dan at:
dan@thevegasvoice.net.
5
REALLY Stupid Scam of the Month
Now I know it’s election season and
politicians (and their spouses) might
do anything to get elected, but really?
Those are NOT typos but the actual
email. We know scammers need to
only deceive one (out of the millions)
but can any ONE be that stupid?
Remember: Think, think, think before
you click! If in doubt, don’t.
6
Subject: Congratulations my dear you have won
millions $
From: Mrs. Melania Trump (Add as Preferred
Sender)
To: xxxxx
I am Mrs. Melania Trump and I am written to inform
you about your Bank Check Draft
brought by United Embassy from the government of
Benin Republic to the white house
Washington DC and has been mandated to be deliver
to your address as soon as you get back to me with
your below information.
Full name, Home address, Phone number, I’d card.
You check is containing the sum of US$60 million
dollars.
Here is my number (+1-(202) 858-xxxx) you can call
me or send me an sms but I prefer sms because I’m
always busy in the white house and I cant be able to
pick calls all the time. I will be waiting to hear from you
immediately, thanks and God bless you.
Note: All communications concern this fund should
be on Email and SMS only for security reasons and
record purpose
Sincerely, Mrs. Melania Trump - First Lady
October 2020
You Gotta Laugh
By: Bill Caserta / Bill’s Blurbs
An old man lived alone. He wanted to plant
his annual tomato garden, but it was
difficult work, as the ground was hard.
His only son who used to help him was in
prison. The father wrote a letter to his son and
described his predicament.
Dear Son, I am feeling pretty sad, because it looks like I won’t be
able to plant my tomato garden this year. I’m just getting too old to
be digging up a garden plot.
I know if you were here my troubles would be over. I know you
would be happy to dig the plot for me, like in the old days. Love,
Papa
A few days later he received a letter from his son. Dear Pop, Don’t
dig up that garden. That’s where the bodies are buried.
The next morning, FBI agents and local police arrived and dug up
the entire area without finding any bodies. They apologized to the old
man and left. That same day the old man received another letter from
his son.
Dear Pop, Go ahead and plant the tomatoes now. That’s the best I
could do under the circumstances.
* Doug lived in the Florida Keys and knows the end is near. His nurse,
his wife, daughter and son are with him.
Doug asks for two witnesses to be present and a camcorder be in in
place to record his wishes:
“Son, I want you to take all the Ocean Reef houses. My daughter,
you take the apartments between mile markers 100 and 125.
Sarah, my dear wife, please take all the residential buildings on
Blackwater Sound.”
The nurses and witnesses are blown away as they did not realize
his extensive holdings, and as Doug slips away, the nurse says, “Mrs.
Jones, your husband must have been such a hard-working man to have
accumulated all this property.”
The wife replies, “He had a paper route.”
Bill Caserta is the Project Director for The Vegas Voice and
has a very “unique” sense of humor. He welcomes all funny
submissions at: bill@thevegasvoice.net.
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7
Spartacus to Some
By: Beverly Washburn / Hollywood Memories
For some of you, the thought of Kirk
Douglas brings to mind the classic movie
epic Spartacus. For me, however, it brings to
mind the film I did with him in 1953 called “The Juggler.”
It starred the legendary Kirk Douglas and was produced by the
amazing Stanley Kramer. For reasons unknown, it never really was a
box office hit - although it’s been shown numerous times on the late,
late (make that late, late, late show - as well as The Turner Classic
Movie) TV.
At 10 years old, working with Kirk Douglas and Stanley Kramer
didn’t mean much to me as I was too young to realize who they were. It
wasn’t until I became an adult that I realized just how fortunate I was
to have had that opportunity.
I even have a wonderful letter personally written to me by Stanley
Kramer, thanking me for being a part of his film. Needless to say, that
letter now means more to me than I can ever describe.
Looking back, although I had no clue as to how famous they were,
I recall how incredibly nice they both were to me. I, of course, treasure
that time of my life.
Kirk had an amazing life and certainly was loved by many –
including me. Sadly, so many of our legends are now gone.
As a side note, many years later as an adult I was fortunate enough
to do three episodes of the “Streets of San Francisco,” with Kirk’s son
Michael. He was extremely warm and friendly. It was great fun to be
able to share with Michael that I had worked with his dad so many
years ago.
Until next time, remember “The most wasted day of all, is one in
which you have not laughed.”
*If you enjoy my columns, I hope you’ll watch my “Hollywood
Memories” starting in November. Publisher Dan will sit with me as he
“interrogates” me about my Hollywood life and to find out “who did
what to whom.”
We did our first rehearsals this month and at the very least, we sure
did laugh a lot. I hope you join me. More next month.
Beverly Washburn graced the silver screen as a child actress and
is the author of Reel Tears. You can contact Beverly at: bjradell@
hotmail.com.
ENDORSED BY
LAW ENFORCEMENT, VETERANS AND
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D E P A R T MENT W
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P AID F O R B Y THE COMMITTEE TO E LECT ADR I A NA R INCON WHITE
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October 2020
9
10
Old signs. New technology.
This revolutionary art uses
sight and sound to transport
you through time and bring
long dormant signs back to
life. You literally have to see
it to believe it.
BOOK A VISIT
NeonMuseum.org
October 2020
Jeff Liebow considered himself fortunate to
“do what every performer dreams of, plying
my craft in front of an audience every night.” For
over seven years, Liebow took the stage as one of the Four Seasons in
Las Vegas productions of Jersey Boys.
But then he walked away. Life…and priorities changed. Now, six
years from those footlights, he wouldn’t have changed it for the world.
The decision to leave Jersey Boys was a no-brainer. His 9-month old
daughter Emma had been diagnosed with Neurofibromatosis - NF for
short. The disease, caused by a disorder in the patient’s DNA, currently
has no cure.
NF can exhibit itself as tumors appearing anywhere in the patient’s
nervous system and may cause chronic pain, blindness, deafness,
learning
disabilities and
may become
cancerous.
Liebow felt
compelled to
help Emma
and others with
NF. He assumed
responsibility to
For the Love of Emma
By: Sam Wagmeister / People & Places
develop shows
to fund research
into the disease.
The irony
of the local entertainment community is their willingness to help
raise funds for worthy causes sometimes creates overlapping events.
Liebow admits that the inaugural concert was disappointing, but an
enthusiastic audience reaction kept the shows alive.
At 5:00 pm October 18th, Liebow will take his 10th annual NF Hope
virtual on Facebook and YouTube.
The NF fund raisers have become a family affair. Liebow’s wife Melody
serves double-duty coordinating responsibilities. “Beyond making the
auction look great, she’s the one making dinner.”
Perusing Facebook posts of the Liebows reveals the love and
challenges they share. “What do you say when your ten-year old tells
you, ‘I hate MRIs’ before her 18 th scan? You tell her she has every right
to feel that way,” he wrote.
Fellow Jersey Boy Travis Cloer, Tony Award winner Christian Hoff,
Clint Holmes, and Kelly Clinton-Holmes are among the webcast’s
guests, hosted by Chet Buchanan. Also scheduled is John Bayless, the
award winning concert pianist who overcame a 2007 stroke to continue
to perform one handed.
For more information, or to bid on auction items, visit: 10YearsOfHope.
GiveSmart.org
Sam Wagmeister is The Vegas Voice Nightlife Editor. He loves to
hear from our readers. Please feel free to contact him via email:
LasVegasHomeTeam@Gmail.com.
Ambient Music
By: Evan Davis / Entertainment Editor
Ambient Music: a
style of gentle,
largely electronic
instrumental music
with no persistent beat, used to create or
enhance a mood or atmosphere.
Before I tell you where you can hear
“ambient music”, let me tell you where you
can see The Vegas Voice entertaining YOU on
TV. We will be starting a weekly half-hour TV
show on Saturday, November 7 th featuring
some of the Vegas Voice columnists, and of
course my Celebrity Corner interviews. My
first guest, kicking off the broadcast, will be Mr.
Showman himself, Frankie Scinta. More
about our “Vegas Voice Live” next month.
I know it is hard, but don’t get disheartened
about COVID, the quarantine and the Vegas
economy, because this town will be back.
When it does return, hold on to your hats.
Just look at what’s on the horizon: Downtown’s newest resort &
casino Circa, will be opening. On the north end of the strip coming
soon will be Resort World. Also, there’s the new addition to the Las Vegas
Convention Center, and the 2-billion-dollar Allegiant Stadium hosting
Frankie Scinta will be my first “Celebrity
Corner” guest on Vegas Voice Live in November.
our Las Vegas Raiders.
The airports will be crowded. The hotels will be booked. The
restaurants will be packed, and the entertainers
will be in demand. It may be gradual at first,
but it will return.
Last month, I listed about two dozen
performers and as many restaurants and
clubs. What I’d like to see, when we come back
in full swing, would be the return of showgirls
and lounge acts. And please don’t let tourists
pull up to the hotels and carry in coolers filled
with beer.
As Entertainment Editor for The Vegas Voice
my goal is bring quality performances to
the local communities and allow a platform
for entertainers to show what and who they
are. I also use my web site and emails to
help promote local performers. I’ve been in
Vegas now for over 12 years and have seen
many changes - with more to come as Vegas
continues to reinvent itself.
Dream, Aim High and Never Surrender!
You can read Evan’s entertainment blog and sign up to receive
his free email weekly Calendar of Events at www.EvanDavisJazz.
com. Email him at: evan@thevegasvoice.net.
11
If You Just Smile
By: Yvonne Cloutier / Musical Moments
“
Light up your face with gladness, hide
every trace of sadness, although a tear
may be ever so
near, that’s the time you must keep on
trying, smile what’s the use of crying,
you’ll find that life is still worthwhile if
you just smile...“
Everyone knows how important a smile
was. It also reminded me of the song,
Smile.
I started researching it during this
terrible coronavirus pandemic since it is
a perfect time to share these words - if you
will just smile.
In doing my research, I found that
only the melody for Smile was written for the soundtrack of comedian
Charlie Chaplin’s 1936 movie Modern Times. He was inspired by the
opera theme of the Tosca Opera by Puccini.
It wasn’t until 1954 when two lyricists in London, John Turner and
Geoffrey Parsons reportedly wrote the lyrics and title for the Smile
melody. John Turner was the pseudonym for English lyricist James John
Turner Phillips (1932.)
He ran the Peter Maurice Music Co, whose most important lyricist
was Geoffrey Parsons. Parsons would write and sometimes change the
lyrics to a song.
John Turner would suggest some changes to Parsons’ work. And he
may have helped with the Smile lyrics.
Nat King Cole recorded it and it rose to
No. 10 in USA, and No.2 in the UK. It was
also used in the beginning of the 1975
movie Simon Said.
Charlie Chaplin was mostly of the silent
screen era. He was of a clownish nature
with his use of slapstick, mime and other
visual comedy routines.
His most famous role was that of The
Tramp, in suits too big, always wearing
his dress hat. He later thought this attire
really imitated his early life of abject
poverty. He was a genius and perfectionist,
also insisting on doing all the stunts and tricks in his films himself.
As I got to thinking, I realized a lot of positivity can be had for just
smiling. One example, “A smile is one of the prettiest things you can
wear,” and “Every time you smile at someone, it is a beautiful thing - a
gift to that person.” Try it, it works.
Yvonne Cloutier, a former teacher/principal, with a music
background, specializes in ragtime piano. She researches and
reports about music on SCA-TV.com/Anthem Alive! You can
contact her at www.mytimeisragtime.com.
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13
How Y’All Doing?
By: Dianne Hahn / Back in the Days
Grabbed the puppies, jumped into the RV,
turned around and found ourselves in
Texas! Oil wells and cattle, sturdy leather boots,
cowboy hats and the hint of a drawl that’s easy on
the ears. “How y’all doin’?”
They call me Miss Dianne here, and they call him, “Mr. Don.” Mighty
fine eatin’ in the Lone Star State; steak, bar-b-q and Tex-Mex.
Texans are so hospitable, I’m sure they even remove the calories
before the plate reaches the table. Either that or I’m in big trouble!
Love the country music here. The one thing we don’t like are the
nasty little burrs that hide in the grass.
They stick to your boots, and I carried one into the RV. Mr. Don stepped
on it with his bare feet in the middle of the night. Oh, the expletives!
The poor puppies are constantly stepping on them, too. Ouch! They
stop walking, hold their paw in the air, and look at me. “Help, Miss
Dianne!” They usually call me Mom, but Miss Dianne is catchy!
Driving into Midland I called for RV accommodations. Everything
was full so we drove over to our old stand-by, Walmart. They said we
could stay.
We parked, stocked up on groceries, and then “people watched.” It’s
better than going to the movies.
Saw one man with a homeless sign. He collected quite a few coins. At
dusk, he left in a BMW. Came back the next day - same car, same sign,
different hat. Looks like a good gig!
Mr. Don wanted to visit a petroleum museum. Funny, but I was
thinking that contemplating petroleum was probably #1 on my “least
favorite list” of things to do. He was excited though, so I didn’t fuss.
Come to find out, I rather enjoyed petroleum. Fact is those little oil
derricks on the side of the road are often 10,000 feet deep. They say that
14 out of 15 wells don’t produce any oil though. Dang!
Bit more sightseeing, then it was time to move on. Jumped into the
RV and hit the road. Texas in our rearview mirror. “See y’all!”
A former schoolteacher, Dianne also writes for children. Presently
she has six kid’s books available on Amazon.com. You can also
see her on SCA-TV.
Elect
JASMIN
LILLY-SPELLS
Endorsed BY
14
Working For Justice So Justice Works For You
WWW.LILLY-SPELLS.COM
© 2020 Paid for and authorized by the Committee to Elect Jasmin Lilly-Spells
October 2020
15
Out of This World
By: Liz Breier / This & That
Many medicines that are physician
prescribed take me out of this world…
and not necessarily in a good way. I got to
thinking about
the legalization of marijuana and
decided to try a holistic approach to
aches, pains and difficulty sleeping.
I went to a dispensary hoping they
could guide me in my purchase. After
all, like so many readers, I came of
age in the era of head shops, zig zag
and Acapulco Gold.
My experience at this superstore/
entertainment complex did not
disappoint. The experience started
before I entered the facility. I couldn’t
miss the giant waterfall, or the LED
lotus blossoms on the roof.
I was mesmerized by the production lines of gummies, candies and
drinks.
The shop felt like a high-end jewelry store and the array of products,
including many delicious edibles, chocolates, fruits and gummies,
made my eyes sparkle. And that was even before I ingested anything!
I was assisted by a knowledgeable bud-tender because (to say the
least) I had no clue. The purpose of the visit was to find what I could
purchase to substitute for 800 mg Ibuprofen - or something stronger.
I was pleased to discover that I can ingest a small piece of Dreamland
chocolate, a fruit flavored “Ha Ha Gummie” or drink an Elysium and
feel well enough to sleep comfortably.
This is definitely a relief from worn
out joints.
I even availed myself of the 20%
local’s loyalty program and have
consulted with my physician about
the benefits and potential harms of
ingesting THC. Something I would
encourage anyone to do in advance.
I made a stop in their coffee shop
for a pick me up before heading
home. I was advised that they even
provide delivery to my door, as do
many dispensaries according to the billboards I passed heading home.
I am back to earth after a good night’s sleep and just wanted to share
that we seniors do have options. And that such purchases can be made
without stigma.
Liz Breier is an ex-New Yorker who retired to Florida for 24 years
before deciding that Nevada means home to her. You can contact
Liz at: bluesky090372@gmail.com.
16
October 2020
17
Now It’s Up to You
By: Rana Goodman / Political Editor
With one month to go before the November
election, I admit that I am not yet familiar
with all the judicial candidates. I am however
crossing “my fingers and toes” that our readers will remember the
guardianship fiasco that Publisher Dan and I dedicated more than six
years of our lives in making changes to protect seniors.
During those years, the names of April Parks, (now
sitting in jail), hearing master Jon Norheim, and
Judge Charles (Chuck) Hoskin were etched
into our memory.
As we stated at our guardianship
seminars, if and when Norheim or
Hoskin ever thought of becoming
candidates for election, we vowed we
would do everything in our power to
oppose them and make sure they never
again sat on the bench.
The Las Vegas Review Journal, in its
September editorial summed up what
we uncovered:
Judge Charles Hoskin was
appointed in 2009, but he was kneedeep
in the guardianship scandal that
received national attention in 2015 and
revealed a system in which court-appointed
guardians were exploiting vulnerable seniors. The lack
of oversight was appalling.
While The Vegas Voice did everything possible to reform the
guardianship scandal in Nevada, Charles (Chuck) Hoskin was the
presiding Family Court judge. His gavel came down most (if not all)
times in favor of private, for-profit guardians (or the public guardian)
rather than family members who begged the court to let them take care
of their loved ones.
Editorial
These rulings left seniors financially devastated, because once a
guardianship is granted, the guardian has total control of the “protected
person” (formally referred to as Ward). They controlled where they
lived, had unconditional access to their bank accounts, trusts, will, safe
deposit box - all of their possessions. Absolutely everything.
Many times, the protected person, was moved into group homes or
nursing facilities, never understanding why their family members were
refused the right to care for them.
If you are a recent reader of The Vegas Voice you may
wonder why I am so against Charles Hoskin’s reelection
to the bench. Simply stated, it is due to
all those year investigating and uncovering
the heart-wrenching guardianship cases
that ripped families apart, leaving seniors
financially devastated,
Judge Hoskin never lifted a finger to
stop the carnage. At best he was willfully
ignorant (to match his arrogance)
in assuring the public that the
guardianship issues were “overblown.”
A very kind and wise jurist, Supreme
Court Judge Myron Leavitt, once told me
many years ago that Justice Court and
Family Court were courts of “justice” as
much as courts of law.
I believe that a Family Court judge must possess
compassion, be sympathetic, and have a consciousness of
“other’s distress.” These are traits that Charles “Chuck” Hoskin
absolutely does not possess.
For all those Vegas Voice readers who followed our guardianship
coverage, attended our seminars and asked, “what can I do?” this
is your moment, your opportunity to finally erase that guardianship
disgrace.
For Family Court, Department E – throw the “Chuck out” and elect
Thomas Kurtz.
18
We had the bad guys thrown in jail, we passed new guardianship laws and now there’s one more thing we need to
do – replace the guardianship judge responsible for all the carnage. Time to “throw the Chuck out!”
October 2020
19
Get the “Chuck” Out!
By: Rana Goodman / On My Soapbox
I
have 8,500 active guardianship cases
and I only have a very few that are
disgruntled, and I think that’s a very positive
spin on what’s going on in our system. – Judge Charles Hoskin in
his TV interview on KTNV (Channel 13) with reporter Darcy Spears,
February 2, 2015.
Over the past 6 years, The Vegas Voice has investigated,
reported and exposed the guardianship scandal in
Nevada. We have seen the failure of the judicial
system to protect those innocent and desperate
for assistance – especially seniors.
We have witnessed first-hand the greed and
the evil in people. We have met many more
who simply “closed their eyes” or walked
away, knowing full-well the financial and
emotional hardship that resulted to these
totally innocent citizens. Charles Hoskin is
one of these individuals.
How bad was it? As the Nevada Guardianship
Commission (which I was proud to serve as a
member) reported on December 15 th of that year, On or
about June 1, 2015 ...there were approximately 8,700
designated as open guardianship cases... Roughly 4,000 have been
closed and removed and that out of the remaining 4,694 cases,
4,069 had annual reports due. (86.6% non-compliance rate.)
It was no wonder that Hoskin was subsequently removed as the
presiding judge over all Clark County guardianship cases when the
scandal became public. This scandal was and remains a disgrace to the
Nevada guardian and judicial systems.
Perhaps you can now understand why The Vegas Voice was so
adamant that Hoskin should NOT have been allowed to be promoted to
serve the Court of Appeals. And if you want to know about his “honesty
and character” note that in his 31 page application for the Appellate
Court he never mentioned that he oversaw the guardianship issues.
When asked “why” he simply stated, “there was no room.”
Let’s be clear: it was under his “oversight” that the abuse and scandal
flourished. From his total malfeasance in failing to require private
professional guardians to
file the required annual
accounting, to his (at best)
“willful ignorance” of
these guardians destroying
individuals and families, it is
abundantly clear that Judge
Hoskin is unfit to be
reelected to serve
as judge
in the
District
court,
Family Division, Department E.
Even the Las Vegas Review Journal opined
in its initial editorial that Judge Hoskin is just
one example of those in positions of power
who failed miserably to protect guardianship
victims. The editorial concluded that a: “stench
still fouls the air.”
It’s time for us – Vegas Voice readers, to
begin disinfecting the Family Court air. We
need to “throw the Chuck off the bench!”
Take a look at our sample ballot. I even suggest you cut out the
ballot and save for the upcoming election.
You can contact Rana by email: Rana@thevegasvoice.net. Also
check out her blog about life in Sun City Anthem at:
Anthemtoday.com
The ABC’s of Family Court
Everyone at The Vegas Voice tries their best to live up to our goal of
being “Nevada’s Most Powerful Senior Media Resource.”
Every once in a while, this means going back to the basics such as
our ABCs. I thought about singing the ABC song, but since this is a
print publication, well, that just is not going to work!
So, how better to work on our ABCs than to highlight them in our
Vegas Voice efforts to rid seniors of a judge that does not deserve to be
re-elected - none other than Judge Charles “Chuck” Hoskin.
From our years in investigating and reporting on the Guardianship
cesspool and, in particular watching the self-serving actions of Judge
Hoskin, I offer the following in the Family Court, Department E race
about “Chuck” Hoskin:
A - Arrogant
B - Bully
C - Condescending
This makes Judge Hoskin:
D - Downright wrong for Family Court, and therefore,
E - Elect Tom Kurtz judge in Department E this November because
now is our time to finally clean up this judicial cesspool..
Ultimately, what this spells is: GET THE “CHUCK” OUT!
20
October 2020
21
22
October 2020
VEGAS VOICE SPECIAL REPORT
What happens here only happens here...
But should it?
The story thus far
Nevada state law has some odd provisions that enable a
stranger to take over estates of dead persons with little supervision
and questionable results. In this ongoing series, The
Vegas Voice has described how one individual, Thomas Moore,
acquired control over hundreds of estates in the Las Vegas area
over the past half dozen years. As an “independent administrator”
of these estates, with little to no involvement by relatives of
the deceased, Moore engineered home sales to many of the same
buyers, who would then resell the properties for profit. These
opaque transactions drew attention when Clark County’s elected
public administrator, Robert Telles, began to raise objections
to Moore’s cases late last year. Moore also faces other challenges
from families claiming harm from his activities. He and
his attorneys have denied wrongdoing. Previous installments
explained how provisions added to Nevada’s probate law nearly
a decade ago enable an actor like Moore to circumvent interests
of potential heirs and other parties in ways that legal experts
across the country find bizarre and disturbing. This final article
in the series introduces reform proposals that might prevent
such doings in the future.
A Vegas Voice
Probate
Court Report
by Judy Polumbaum
Judy Polumbaum is a
journalist, scholar and
educator who moved from
the Midwest to Las Vegas in
early 2018. With the conclusion
of this series, she
is going back to being an ordinary cranky monthly
columnist for The Vegas Voice.
PART FIVE:
ENVISIONING REFORMS
1. So who gains and who loses?
In an interview, Robert Telles, the Clark County public administrator,
explained his reasons for intercepting Thomas Moore’s
promiscuous use of the state’s independent administration law as
follows: “I feel it’s my duty to protect families and the system.”
If, as he suspects, homes are being undervalued in short sales,
then heirs may end up shortchanged, Medicaid may be deprived
of reimbursements the program is due, mortgage companies may
be settling for less than they should, and below-market sales may
be damaging neighborhood home values.
In sum, Telles wants to ensure that heirs, lenders and other creditors,
taxpayer-supported programs and the community are getting
their due.
As for who benefits, and how, from independent administration as
it now operates in Clark County? Definitive answers are elusive.
Presumably, investors who buy possibly undervalued properties
from these estates intend to profit, and often do so, through rentals
or resales.
The banks, of course, recoup some of the money extended as
mortgage loans. The premise of a short sale is that partial recovery
is better than nothing at all.
Occasionally, Medicaid regains some money, other creditors settle
up bills, and a bit may be left for heirs.
Attorneys providing services for court procedures or real estate
transactions stand to gain.
Still, that sixty-four-thousand-dollar question remains unsolved:
What does Thomas Moore get out of all this, and how?
The question is starting to draw attention beyond the confines of
the court system and the legal profession.
Before the focus of public life swiveled to the coronavirus pandemic
and concerns about racial justice and police conduct, Nevada’s
current attorney general, Aaron D. Ford, seemed to be taking
an interest in Moore’s handling of estates. In the past, given Moore’s
sworn statements that decedents had left behind more liabilities than
assets, the issue of Medicaid fund recovery seldom arose. Since late
last year, however, Ford’s office has been filing requests for “special
notice” of proceedings related to Moore’s cases, regardless of
Moore’s usual claims that the estates are insolvent.
Even the feds were poking around for a bit: Earlier this year, a Las
Vegas-based FBI agent contacted at least two individuals familiar
with Moore’s pattern requesting information. Asked about this, Las
Vegas FBI public affairs officer Sandy Breault replied in an email: “I
cannot comment on this, as it is the policy of the FBI not to confirm
or deny the existence of an investigation.”
2. Wouldn’t the courts notice red flags?
Judge Gloria J. Sturman, who practiced law in Las Vegas
for nearly three decades before her election to the bench
in November 2010, handles 80 percent of the county’s
probate caseload; two other district court judges handle
10 percent each. Cases go first to the probate commissioner,
currently Wesley Yamashita, who also is an experienced
attorney; he and a chief assistant process the floods
of filings, prepare the court’s calendar, manage regular
hearings, and guide the judges in decisions on routine
issues.
Nobody has questioned the integrity of the judges, nor raised
doubts about the commissioner’s role. Those in the know do say
the court suffers from shortage of personnel and resources – it is
“obscenely overloaded,” as one person puts it.
Experts interviewed for this project concur that lack of institutional
support for the courts (and, indeed, for public services
generally) is an endemic problem across the country.
Probate law expert David English, professor at the University of
Missouri, noted that Cook County, Illinois, population 7 million,
where he formerly practiced, has 14 fulltime probate judges,
“and they are busy.” In contrast, Clark County, Nevada, with some
2.3 million residents, has just one plus the part-timers, the equivalent
of 1.25 judges.
That translates to one probate judge per half million people for
Chicago and environs, versus one for every 1.85 million people in
the Las Vegas area.
It’s not surprising that in some places, English said, “there’s
pressure to run decedents’ estates through an assembly line.”
Clark County’s chief probate judge and probate commissioner
were unable to reply to emails requesting comment on the use
of the Independent Administration of Estates Act in their jurisdiction.
Under Nevada codes of judicial conduct, Judge Sturman
and Commissioner Yamashita “are prohibited from responding to
your questions, or any questions that seek legal opinion,” Mary
Ann Price, chief information officer for the Eighth Judicial District
Court, said in response to the inquiries.
3. The Caseload Gusher
Julia Gold, a Reno attorney who represented the state bar in
2011 legislative hearings on the proposal that led to Nevada’s law
on independent estate administration, said she’s unaware of anything
like Moore’s southern Nevada doings in the northern part of
the state, and expressed surprise that judges haven’t intervened.
“Given the existing statutory reporting requirements,” she
said, “it should be possible to determine that there is something
fishy going on and stop it.”
But Gold stressed that she knows about Moore only through
colleagues in the state bar, and cannot assess the Clark County
situation without more detailed knowledge.
However, the seeming ease with which Moore gained authority
over hundreds of relatively small estates in recent years has its
own legal logic. The independent administration statute is premised
on a desire to expedite cases unless they are contested, and
few were contested until Telles became public administrator and
began to challenge Moore’s activities.
“[U]nless an interested person objects in writing… and the
court determines that the interested person has shown good
cause why the authority to administer the estate under those provisions
should not be granted, the court shall grant the requested
authority,” the law reads. [NRS: 143.50]
In addition, there’s that pressure to move cases through a busy
system, all the more so in the Las Vegas area.
(Continues on next page)
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23
(Continues from previous page)
In usual times (pre-corona), Clark County Probate Court handled
roughly 150 cases a week. A small number, on the order
of 20 or 30 cases, might involve complex litigation or public
hearings on property sales. The great majority were considered
routine, with much business handled through online communications
and mail.
Even during the coronavirus-induced slowdown, with most
in-person hearings suspended, the court has continued to process
a gusher of work, although overall caseload seems to have
declined in recent months – an indication, perhaps, that families
and attorneys are holding off on settling estates of deceased loved
ones until the world seems a bit calmer.
In mid-March, the state’s Vegas-based Eighth Judicial District
Court ordered all “non-essential” hearings to be conducted
remotely, determined on the basis of paperwork, or rescheduled.
The probate court continues to process matters that don’t
require hearings, and holds hearings that cannot be postponed
or dealt with in writing by video or phone. As of early September,
in-person hearings were still limited to “essential” matters, with
“alternative means” preferred when possible.
Under ordinary circumstances, attorneys and investors and
other regulars on the probate scene would show up Friday mornings
for the court’s main weekly sessions. Coronavirus put a halt
to this in-person interaction. Meanwhile, two online lists, updated
weekly, provide a good indication of the ongoing work volume.
The probate court “pickup list” tracks activities related to
pending cases. At the end of April, six weeks into the shutdown, it
listed the status of nearly 2,800 items. By early September, the list
had shortened to about 1,300 items.
The “approved list” for the last Friday in April consisted of
125 cases with developments under active court consideration.
Seven were flagged as “BIDS,” meaning that a property sale was
scheduled and open to public bidding. The same list for the first
Friday in September had nearly as many entries, with four estates
open for bids.
In those long-ago normal times, individuals wishing to “overbid”
existing offers would do so in court on Friday morning.
Under the coronavirus regimen, any higher offer is due electronically
three days before the sale confirmation date, for subsequent
consideration at a remote hearing. Estates under summary
administration, which does not require court approval for real
estate transactions, continue to bypass this public step.
4. What now?
With the world on hold during the coronavirus pandemic, and
public health and welfare the highest priorities, courts everywhere
adapted. Amidst tentative reopening efforts, they remain
cautious.
Clark County’s probate court continues to process thousands
of cases, mostly still remotely. A weekly crush of attorneys and
investors – the regulars who used to gather at the court in person
on Friday mornings – no longer happens.
Thomas Moore has sought authority over just eight estates since
VEGAS VOICE SPECIAL REPORT
the start of 2020, a marked decline in pace. His most recent two
petitions were filed in June.
It’s possible that Nevada’s moratorium on evictions and foreclosures
and extended grace period for mortgage payments made
Moore’s enterprise more difficult, with fewer distressed estates
available to commandeer.
But the grim reaper takes no vacations. People are still dying
– of coronavirus, of other medical ailments, of accidents and
natural causes and old age. In time, individuals hoping to profit
off estates that have no apparent heirs or relatives keeping track
may resume their elusive dealings in sales of homes the departed
have left behind.
Unless, that is, provisions for independent administration of
estates and/or practices related to that law are revised.
Perhaps by later this year, and certainly by next year, watchdogs,
investigators, lawyers and legislators may be ready to address the
problems discussed here. In particular, when the 2021 Nevada
state legislature convenes, reformers will be poised to correct
peculiarities of the probate code, with a focus on independent
administrators and summary administration.
5. Ideas for Reform
While some observers think more meticulous adherence to
existing law, and perhaps a few tweaks to the legislation, could improve
Clark County probate procedures, others favor more robust
reforms. Many would like to see increased funding for the probate
courts, providing resources for investigation, verification, and more
comprehensive processing of the workload
Beyond relatively small legislative changes likely to be proposed
by the state bar, critics suggest larger revisions, such as:
• Designating the public administrator as the default first stop for
all cases in which individuals die without a will, not just for deaths
referred by the coroner.
• Restricting eligibility for appointment as an independent
administrator to heirs or beneficiaries of the estate, or at least to
persons with a proven connection to the deceased.
• Requiring higher standards of proof and professional documentation
in support of all claims made in probate court about
heirs, assets, notices and communications, and other matters.
• Making independent administrator appointments a very last
resort, after everyone with higher standing or interest in the estate,
including every single identifiable potential heir, has submitted an
authenticated waiver.
• Requiring thorough, specific, itemized documentation as part
of all final reports.
In order to be considered at Nevada’s next biennial legislative
session, due to begin February 1, 2021, proposals must be firmed
up and translated into Bill Draft Requests. Legislators, legislative
committees, the governor, state agencies and local governments
may submit these requests for review during the first month of
the session. The ideas that stick then get turned into draft laws for
formal consideration.
As that old saw goes: Stay tuned.
24
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25
S
Amazing Racer
By: Renee Riendeau / Movie Revelations
Are you aware that a Sun City Anthem
resident used to work in Hollywood as a
director/ producer? Frank Johnson has a first
rate movie currently streaming on television.
Amazing Racer is a great family show, clean, wholesome, no
foul language, nothing inappropriate and geared toward horse lovers.
Frank read the script, loved the story, and contacted Hollywood agents
to cast the movie.
His choices: Julianne Michelle, a 16 year old lead, Claire Forlani, as
her mother, Daryl Hannah as the doctor, Louis Gossett Jr. as the horse
trainer, Jason Gedrick as the mother’s boyfriend, and Eric Roberts as
the villain.
This is a heart-warming tale of family connections that starts out
with the teenager, Shannon in the hospital. She is recovering from a
deadly car accident, but her father was killed..
Shannon is devastated as her beloved father raised her. She thinks
she’s an orphan now as she was always told her mother died in
childbirth.
As she’s recovering, an uncle and her doctor tell her that her mother is
still alive and is a doctor working at a hospital. Her mother was shocked
as she was always told that her daughter had died in childbirth.
The two of them struggle with their relationship, but mother begs her
to stay with her for the summer, giving them a chance to get to know
each other. Her mother raises racehorses and Shannon starts visiting the
stables with her and soon falls in love with a filly she names, Rainbow.
I won’t tell you the rest of the plot. Instead I only urge everyone - from
grandparents to their grandchildren to watch this wonderful movie.
As a reporter (along with other Vegas Voice columnists) we get to
work with Frank and marvel at the professional experience he brings
to SCA-TV in his role as General Manager. His credentials speak for
themselves, a member of the Directors Guild of America and the
American Society of Cinematographers.
This delightful film has themes of forgiveness and perseverance yet
touching and emotional. I give “Amazing Racer” a movie score of 5
out of 5.
Renee Riendeau is the movie critic for “Renee’s Revelations”
on Anthem Alive SCA-TV. As a dog sitter she operates “ Renee’s
Roommates” out of her home and can be reached at
rriendeau@aol.com.
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27
Scarecrows & Pumpkins,
Oh My
By: Pat Alexander / Art of Entertaining
It’s Autumn, with crisp leaves underfoot
and brilliant colors painting each tree. To
celebrate my favorite season, I decorate every surface from my front
gate to the front door and on into the house.
Since I’m hosting so many gatherings this year, I started decorating
in September: Book Club, Scrabble, Bunco, Mahjongg, and, of course,
Thanksgiving. Lucky for me the stores start putting out fall merchandise
early so I can look for more things to add to my collection.
28
October 2020
I always think I have enough, but each year the decorations get even
better, and I can’t resist adding to my stash. There are clever figurines,
charming crooked little ceramic houses, leaf garlands, and, of course,
scarecrows (you can never have too many scarecrows).
Last year I found an adorable cart that holds a small bale of hay and
this year I found some new little scarecrows to sit on top. Score!
An array of fresh pumpkins is a must. I love the ones that look like
an orange watercolor, the white ones, the gray ones and the slightly
tipsy ones.
My major criteria is they must have a stem. So many pumpkins, so
few stems. It’s like wearing an Easter outfit without a hat!
With decorating out of the way, it’s time to think of menus for all
the gatherings. (Of course, these plans are based on the lifting of
restrictions.)
I’m reading through recipes for ideas but one thing I know for sure,
my favorite quiche will work really well for several of the gatherings.
I’m including the recipe. Try it, I think you’ll like it.
Autumn Quiche: Prepare 10” pie crust. Preheat oven to 400
degrees. Fry ½ lb. bacon until crisp. Set aside.
In same pan, melt ½ stick butter, add one large onion
thinly sliced. Sauté for 5 minutes, add 5 oz. sliced mushrooms and 8
oz. fresh spinach. Cook for 5 minutes. Chop spinach into small pieces.
Salt to taste. Cool.
In large bowl, beat 4 eggs with 1 cup heavy cream. Add 1 cup grated
Swiss cheese, ¾ tsp. Kosher salt and ¼ tsp. pepper. With slotted spoon
add vegetables and bacon to bowl. Stir.
Pour into pie crust and bake for 40 minutes or until set.
Pat Alexander writes about all things home. She is well known for
her cooking, parties and interior design, and consults on kitchen
and bath remodels.
Expired Make-Up
By: Linda Bateman-Gomez / Timeless Beauty
Spending so much time indoors these days
has led to a lot of spring, summer, and now
fall cleaning! In deciding to tackle my makeup
drawers (yes, plural) I quickly realized I had a lot of makeup that was
too old to use.
Just like food, make-up does expire. While some may just not work as
well (or smell) others can be harmful.
Mascara is a big culprit; I did not realize it has a short shelf life of
about 3 months. I figured 6 months to a year because it starts to dry
out and not be as easy to apply over time, but it turns out I have lots of
“bad” ones sitting in the drawer.
The biggest concern with mascara, and of course other eye makeup,
is bacteria build-up which can cause eye infections like pink eye. Eye
liner, shadow, and anything that you generally re-use consistently falls
into this category. For the cost, it is always worth replacing with a fresh
one.
Another item to take inventory of is your lip products. Lipsticks and
glosses can be a breeding ground for bacteria and hold cold and flu
viruses.
One of the bigger reasons to never share them - even small things
like a cold sore (unknowingly) can be potentially shared or spread on
your products.
There are suggestions for “cleaning” lipstick by sticking the exposed
portion of the tube in alcohol but anything like gloss that you use an
applicator for would just need to be tossed. While the shelf life for lip
products may be one year, if there is any concern, better to get rid of
them sooner.
Other products like foundations, blush, nail polish, etc. do not carry
the same health risks, but they may smell funny, the color may turn, or
they may not work as well. They tend to have a shelf life ranging from
1-3 years.
Some good news: while perfume tends to be one of the pricier items
we spend money on, it also has the longest shelf life, 8-10 years. Just
make sure to keep it out of direct sunlight and keep it cool!
Linda Bateman-Gomez has an international beauty company
based in Las Vegas that specializes in cosmetics and other beauty
products. Contact Linda at TimelessBeauty2020@gmail.com or
through her website www.fullips.com.
29
Dressing Up
By: Sandi Davis / Fashion “Cents”
Where is Style? Have you
seen her?
I have dwelled quite a bit on
masks in my previous columns, but now I want to
talk about more than just face coverings.
I have started to go out to the occasional
restaurant or stores, and I am really surprised about
the lack of style I see.
I think most people are so accustomed to being
at home and dressing down, that they forget to dress
up when they go out. They put on the mask, very
casual clothes and head out. No fashion, no style,
just blah.
Let’s liven it up! Pull the good stuff out of the
closet. Wear it! You will feel better, I promise.
Just remember that you do NOT have to look
perfect; just feel good about how you look, and it
will show through. Confidence is the name of the
game.
My favorite casual wear are the Lululemon pull
on yoga/jogging pants. They are not sloppy, nor are they tight fitting
either.
They have 4 pockets and feel like they are made from parachute
material. The fabric is called “Luxtreme.” The pants are light and easy
to wear. And they dress up well.
With the right shoes and a cute jacket, it would
work for a casual restaurant or a bar and be stylish
and comfortable too. And yes, I did say a bar, because
by the time you read this the bars will be open.
These are called “keep moving pants” and there
are various lengths, styles and colors. And they have
a loose fitted waist, with a drawstring.
They are not cheap, but I have had mine for two
years and they wash up easy, and still look great. You
may have something similar in your closet, so pull
them out and try some different tops and shoes and
dress up a bit.
Of course, don’t forget your mask. I find that
the disposable ones are fine for when I am out for
a walk, or a quick trip to the grocery. But if I am
going out to eat, or non-grocery shopping I wear
something nicer. It does make you feel better.
REMEMBER: You do not have to look perfect. Just
feel good about how you look.
Sandi Davis is the Fashion Style columnist and Behind-the-Scenes
Research Analyst for The Vegas Voice. She welcomes all questions
and opinions. You can contact her at Sandidavis@cox.net
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30
October 2020
31
The Volkswagen I.D. Buzz
By: BJ Killeen / Down the Road
Ah, the 1960s; peace, love, and freedom.
The iconic vehicle for the 1960s “Hippie”
lifestyle was the Volkswagen Bus.
The VW Microbus defined the live, sleep, love counterculture
generation. For those who miss that time, Volkswagen soon will let you
relive those memories, albeit in a
21 st -century iteration.
The VW I.D. Buzz concept soon
will become a production reality.
The reincarnation brings the
Microbus to a however higher
level, coming back to showrooms
as an all-electric model.
Earlier this month, Volkswagen
announced that the I.D. Buzz
will be available for purchase
in 2022. The bus will be built
on Volkswagen’s Modular Electric Drive kit, combining chassis and
components that will become the platform for many future electric
vehicles from the German brand.
The concept vehicle seen in this photo will be close to the design
of the production model, showcasing a modern interpretation of the
much-loved original bus. Dual sliding doors, LED headlamps, two-tone
body paint (in eye-catching colors) and a configurable interior will
endear it to a whole new generation of buyers looking to capture some
of the vagabond fun embodied by the original bus.
Did you know that the original VW Microbus was born from a napkin
sketch during lunch one day in 1947 by Ben Pon, Sr.? That one little
sketch turned into a lifelong passion for many original VW bus owners,
many of whom are spending big bucks to purchase classic models at
astronomical prices.
A 1965 VW Type II 21-window
deluxe bus sold for over $300,000
at auction only a few years ago.
And the 23-window models are
just as sought after.
While the new I.D. Buzz won’t
cost that much, VW says it will be
affordable for an EV. In addition,
VW expects it to have impressive
driving range, alongside a plethora
of safety and convenience features that didn’t exist 60 years ago.
For more information, visit vw.com to check out photos and even
place an order. While there will be a lot of features, you’ll have to bring
your own love beads!
BJ Killeen has been an automotive journalist for over 30 years.
She welcomes all questions and inquiries, and can be reached at
bjkdtr@gmail.com
32
October 2020
33
Your Soul Group
By: Ali Guggenheim / Psychic Phenomenon
Most people have no idea what they
are asking for when they ask for their
soulmate. To most people soulmates represent
their imaginary, fairytale, romantic love interest
that will sweep them away to their happily ever after.
In actuality however, we all belong to a soul group that consists of
many different types of soulmates; all of which are cut from the same
energetic cloth and show up as contracted before they were born.
Soul groups or clusters are souls that travel together through past,
present and future lifetimes. These soul families consist of your
soulmates, soul-friends, twin-flames, kindred-spirits, etc.
Each of them serves a different purpose in your life’s evolution to
teach you lessons and to catalyze your spiritual expansion. Their title
and purpose change with each reincarnation since each lifetime you
agree to different lessons.
34
October 2020
These souls show up as needed for you and for themselves. You
both agreed to help each other experience what the ancients called
“moksha.” This elevates your evolutionary state of being.
You will recognize them when your vibrational frequency overlaps
and you share each other’s thoughts, feelings, values and dreams. Even
though you might come from different cultures, races, or backgrounds,
you will immediately sense an ancient and strong connection in your
bones, blood and very soul.
In life, the people we are most drawn to are our teachers and visaversa.
Although at times these soulmates may comfort you, their main
purpose is for you both to learn major life lessons.
No matter the circumstance, whether you are a couple or not, short
term or not, when they exit your life there’s always a profound difference
in your lives. Your experience is determined by your openness to grow
your self-awareness, to change and to move past your fears.
Subconsciously you already know what your major lesson is. Ask
yourself: what do I keep repeating or avoiding in my life that doesn’t
work?
When you are ready, a soul member will appear to help you deal with
it. Just be forewarned - stay away from people that you distrust from the
start. These souls betrayed you in a past life and, if given a chance, will
do it again.
To contact Ali or for spiritual consultations, coaching, workshops
and readings, email: alivegasvoice@yahoo.com.
Five Tasks for October
By: Howard Galin / Happy Gardening
Greetings and welcome to the busy month
of October for desert gardeners. This is the
month when we can accomplish many tasks to
prepare our gardens for the cooler days ahead.
There are five tasks that we can tackle before we go out to Trick
or Treat at month’s end. They are: pruning, water adjustment,
fertilizing, mulching, and planting.
If you have not done so, it is time to prune all palm trees before the
cold weather appears. This will give the newer fronds time to acclimate
so that they will be more resistant to frost.
Roses, as well as all other flowering plants and bushes can pruned to
stimulate fall growth and to strengthen new foliage. It is also time to
prune off “suckers” from fruit trees as well.
If your trees are deciduous, wait until the leaves fall off before pruning.
If you are planning to prune pine trees, wait until late November.
October is the final month to fertilize all plants. This will replenish
nutrients and strengthen root systems.
Because of our extremely high summer temperatures this year and
the lack of rainfall, this is the time to add both sulfur and iron to lower
soil pH levels and aid plants suffering from chlorosis.
Remember to adjust irrigation schedules as we transition into cooler
months and decreased sunlight. Now is a good time to check drip
emitters for clogs and damage. Remember to adjust both frequency
and duration for your watering schedules.
October is a good time to add both rock and organic mulch to your
landscapes. The organic mulch will keep your soil and plant root
systems moist (conserving water) and warm during the late fall and
winter. Rock mulch can be added now since it is easier to do when the
temperatures are cooler, and landscapers are less busy.
October is also the best month to add new additions (but not palms)
to your garden. The daytime temperatures are mild and there is still
sufficient sunlight to foster both plant and root growth.
Have any questions? Contact me at Theplantwhisperer28@gmail.
com.
Howard Galin, a/k/a: “The Plant Whisperer” is a retired NYC
school administrator, transplanted in Las Vegas who devotes his
time to communicating with and lecturing about our native
plants.
35
36
October 2020
37
70 Helping Parkinson’s
Patients and More
R
By: Carol Chapman ecently U-Step
Neuro donated
a special U-Step walker to the Foundation Assisting
Seniors. The U-step walker is an advanced walker
specifically designed for neurological conditions.
It provides greater stability,
maneuverability and control
as compared to other walkers.
The version we have includes
a laser to help the person suffering from Parkinson’s to step to the laser
line.
People who have used the U-Step 2 appreciate the unique braking
system and the feeling of resistance, which increases their confidence
in walking. If you want to see the device in action, visit their website:
ustep.com.
If you’re interested in acquiring one, you should know that the
U-Step 2 is the only neurological walker covered by Medicare. More
information is available directly from U-Step at (800) 558-7837.
Please mention the Foundation when calling.
It is corporate donors such as U-Step Neuro, together with individual
contributions, that make it possible for us to provide our services free
of charge to seniors and veterans.
Dealing with the pandemic and the severity of having to cancel all
our fundraising activities, we remain grateful to partners like U-Step
that help us continue our important work.
If you would like to make a donation, you can do so online at
foundationassistingseniors.org, send a check to 2518 Anthem Village
Dr, Suite 102, Henderson, NV 89052, or call us at 725/244-4200 to
discuss alternative ways of giving.
38
August 2020
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39
Time to Review Trust Documents
By: Jerry Creed / Trust Jerry
In this pandemic we have a lot fewer options
about what to do with our time each day.
I suggest that if you have a Trust, one afternoon
take it out, blow the dust off of it and make a list of all your assets over
10K in value. Now ask yourself are these assets, owned and controlled
by the Trust?
Simply having a Trust is a good start on estate planning, but if you
haven’t “fully funded” your Trust, the job is not complete. You see,
Trusts only work if everything is put into the Trust or name the Trust
as a beneficiary.
Those items not in Trust either operate by contract or add up together
and go through probate. Probate is bad, costly and time consuming.
It’s silly to spend the money on a quality estate plan and then not
finish the work so your estate goes through probate. If only one lesson
is learned from this pandemic, it is the importance of not delaying
essential planning.
If the need arises, will your durable powers of attorney allow your
agents to make crucial medical decisions or worse yet, if you need
memory care or a skilled nursing facility, will your agents be able to do
the needed advanced planning or care for you?
Two free things I’m offering for the month of October. First, it’s easy
to put off getting around to funding your trust so I’m developing a
system to keep it on top of your mind.
If your Trust isn’t “fully funded” I can send you a Funding Tracking
form. Simply fill out the items you need to fund and return the
worksheet to me.
I will send you email reminders each month. When you complete an
item, follow the instructions on the email reminder and it will come off
the list for next month (six-month duration).
Second, has it been more than 5 years since someone has reviewed
your Trust? Have you moved from another state to Nevada? Has your
marital status changed, or have you included long term care planning
as part of your estate planning?
It’s time for a free 30 minute Trust review. Please give me a call to set
up the appointment.
Each of these services normally run $500, but for October they are
free. My way of saying “Thanks for TrustingJerry.com with your estate
planning needs.”
40
September 2020
41
It’s Up to Us!
By: Dan Hyde / Call to Action
The COVID-19 pandemic has a tragic sidestory.
More and more people, especially
children, are going hungry every single day.
Recent stories have painted a bleak picture of families unable to
provide this most basic of human needs. Adding insult to injury, the
worthy non-profits who have historically provided nourishment to the
needy have reached a sad milestone – they are unable to keep up with
the demand!
For every family they can serve, two go without. The problem is
exasperated because many have been laid off and have no source of
income to support their families.
Sadly, the political parties still can’t agree on what to do as they are
more invested in bickering and pointing fingers at one another! So,
what can be done?
Since those we elect are more inclined to sit on the sidelines and
watch, I have a suggestion. We, (that’s YOU and me) can step up and
insure that no family will go hungry.
Three Square, a 501(c) (3) non-profit (threesquare.org) which has
provided food to the needy since its inception in 2007, recently stated
that for every dollar donated it can provide three meals.
How can they do that? Because of the sheer size of their organization,
they can procure vast quantities of food at discounted prices. Everyone
not impacted by a shortage of food should donate a fixed monthly
dollar amount to a worthy food non-profit.
For example, $5 per month will give a needy family 15 meals. I have
been an active participant in several of these organizations for years
because I know first-hand what they do and how they do it.
Seeing a family’s grief and sense of hopelessness turned to one of
hope once you hand them the food they so desperately need, is, at least
for me, a life changing experience. Besides Three Square, there are
several other organizations you can support.
I encourage you to check these non-profits as I have done:
goodnessgraciousministires.com; catholiccharities.org; serving
our kids foundation (recently established in Henderson); and
mealsonwheels.org (a federally subsidized program).
Can you do your part? I promise, your life will be the richer for it!
Dan Hyde is a passionate and effective advocate for the senior
community. He can be reached at: dhyde9@cox.net.
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October 2020
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43
The Heart of a Veteran
By: Chuck Dean / Vet 2 Vet
experienced my first heart attack in 2006.
I Having never had one
before, I kept sloughing it
off as acid reflux - until it finally put me down
hard.
Long story short, and after three more
episodes over the next couple of years, the
VA finally got real and formally declared
that Agent Orange (and other toxic
herbicides) in Vietnam was the source of
my cardiac troubles. I served in one of the
most heavily sprayed areas in the war zone.
I’m writing this primarily to send up smoke
signals to those veterans experiencing cardiac issues.
I encourage you to get on the roles, file a claim, and
receive the medical attention (and financial compensation)
that you deserve.
Ischemic Heart Disease is now listed on the presumptive list of
service-connected disabilities, and there is little hassle in getting it
done. All you have to do is prove that you have a heart condition, and
that you were in a zone where these lethal substances were used.
For a long time now, it was thought that only Vietnam was where
Agent Orange, et al, was used for defoliation purposes. However, it was
also used to keep the DMZ cleared in Korea, so veterans serving there
could have been exposed and are eligible to make a claim.
What is Ischemic Heart Disease? The simple
answer is that it is also known as “hardening of
the arteries”, or coronary artery disease.
What happens is that cholesterol plaque
builds up in the arteries of the heart and
causes “ischemia”, which means that the
heart is not getting enough blood flow and
oxygen. When, and if, this plaque blocks an
artery, it then becomes a heart attack.
There are many reasons why people
suffer with ischemia, like eating poorly, not
enough exercise, or smoking. But exposure to
one of the most toxic substances known to man,
Agent Orange, really kicks it into high gear.
Once again, I encourage you to check it out. Don’t let
‘em get away with it - especially Dow Chemical, who fought
for decades covering up the lethality of a product they made
billions on from the government.
Chuck Dean served as an Army paratrooper in Vietnam and
through that experience was led to address the many transitional
issues veterans struggle with. He is the author of several important
books for veterans. All can be found on Amazon at: http://www.
amazon.com/author/chuckdeanbooks
44
October 2020
Pat Tillman Left a Legacy
By: Kathy Manney / Around Our World
October 2020 marks the anniversary of
former Arizona Cardinals player Pat
Tillman’s death in Afghanistan. Pat Tillman was
a star football linebacker with the Arizona
State Sun Devils before graduating in 1998
and signing a multi-million dollar contract to
play NFL ball for the Cardinals.
Following the 9/11 terrorist attack on the
United States in 2001, Pat and his older brother
Kevin, a professional baseball player with the
Cleveland Indians felt it important to serve on
behalf of their country. Their grandfather had
been at Pearl Harbor.
Leaving fame and fortune, the brothers
joined the army and were serving together
in Afghanistan at the time of Pat’s death by
“friendly fire” on April 22, 2004.
In the years since, Pat Tillman has become
an NFL legend with many posthumous honors.
In August 2017, Arizona State University dedicated a bronze statue of
him at Sun Devil Stadium.
They also named their football locker room entryway to Sun Devil
Stadium the “Pat Tillman Memorial Tunnel.” In November 2011, the
Arizona Cardinals unveiled a statue of Pat Tillman and named the
plaza at State Farm Stadium in Glendale, Arizona after him.
Tillman’s family and friends started the Pat Tillman Foundation,
a nonprofit that awards scholarships, with a recent focus on veteran
assistance. The Foundation sponsors an
annual 4.2 mile race ending at the 42-yard
line of Sun Devil Stadium. Tillman wore 42 at
Arizona State.
Spanning Black Canyon and 1,500-foot
downstream of Hoover Dam sits the Mike
O’Callaghan-Pat Tillman Bridge, part of
the Hoover Dam Bypass Project. The bridge,
crossing the Colorado River connecting
Arizona and Nevada, was completed in 2010.
The name honors not only Pat Tillman, but
Mike O’Callaghan, a Korean War veteran and
Nevada’s governor from 1971-1978.
A Navy SEAL serving with Tillman in Iraq
said, “He was one of the most remarkable
human beings I’ve ever met. He wasn’t
looking for the easy thing to do, just the right thing.”
Undeniably, Pat Tillman was a remarkable man who left a legacy.
Kathy Manney enjoys visiting interesting places and being an
Adventure Diva. Her “Must See” travel journeys continue - always
with enthusiasm.
45
Hello Dere!
By: Morris Heldt / A Senior’s P.O.V.
With all this chaos we are experiencing I
feel it is time to go to my “happy place”
of memories,
and this particular feel-good
memory is about a fellow Vegas
Voice contributor.
The year was 1969 and I had just
recently stepped off the old grey
dog (Greyhound) on a late Sunday
night near Hollywood and Vine in
Hollywood. One of my first jobs was
at a well-known comedian’s home
in Beverly Hills. I had never been
in Beverly Hills, let alone in some
star’s house, so you can imagine
how excited I was.
I was not disappointed in the house as I was taken aback by the size
and opulence.
The lady of the house, known as Frenchy, a very funny and endearing
person, and a professional entertainer as well as her husband, gave me
several small jobs to do around the pool house. After a few hours she
then asked me to help her move some boxes in her bedroom to the
garage.
I couldn’t help but notice the biggest bed I had ever seen - with
two huge television sets positioned at the foot of the bed. I had to ask
Frenchy, “Why two televisions?”
“Because sometimes my husband wants to watch Johnny
Carson and I want to watch Joey
Bishop. We each have our own
headphones,” she explained.
After a day’s work she paid me and
then said that she had spoken with
her husband, who would be back
from Las Vegas in the morning, and
he would like for me to come back
for the next few days to help him
with some work.
For the next couple of days that
man and I worked side-by-side,
while talking all the time. He asked
me all kind of questions, where I
was from, what I wanted to do, etc.
I shall never forget Marty Allen and how nice he was to me . . . and
encouraging! I will always wonder when Marty passed away at the age
of 95 and ascended to heaven, if he said to his Frenchy, Hello Dere!
Morris Heldt is a retired award winning film and television
producer and published author. He and his wife moved to the Las
Vegas valley from the beach in 2004.
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October 2020
47
Helping the NSG
By: Liz Palmer / NSG
The cancellation of this year’s Nevada Senior
Games left us in a dilemma. As any nonprofit
can attest, fund-raising
efforts this year have been
hamstrung by COVID-19.
What’s an Executive Director (me) to
do? Time to think outside the box.
Whatever we could offer had to be
at little or no cost for me to produce
and be easily transferred upon
purchase with a timeline of 4 to 5
months from start to completion.
What are my talents? I’m a former
professional pianist, I was a collegiate
athlete, and a writer.
Bingo. I’ll write a novel.
I selected the gothic romance genre because it’s popular, formulaic
and honestly, lends itself to breathless hyperbole! I set the stage for a
plucky Irish lass to encounter a brooding dark Lord and solve a mystery
that haunts his family.
I whipped up an opening paragraph, posted it on social media,
and asked for feedback. And permit me to brag a tiny bit, it was
overwhelmingly positive. And so began the tale of Fiona O’Keefe and
Lord Gideon Helmsley, tentatively titled “The Lord Of Her Heart.”
The novel needed well-established characters, a mystery, and of
course, sexual tension. I framed the plot, the chapters, and linked
together the characters and their motives and secrets.
I’m now feverishly typing away. I should finish by
the first week of December.
How can you help? This novel will sell
for the bargain price of $10, with 100%
of the proceeds going to benefit the
Nevada Senior Games. Not one dime
will go to me. Payment will be online,
and the novel will be emailed to you.
Maybe gothic romance isn’t your
thing. Hopefully, you know someone
who loves it – and it would make
an EXCELLENT stocking stuffer for
Christmas! “The Lord Of Her Heart”
will be advertised on the NSG website.
Please consider a purchase. The Nevada Senior Games is a registered
501 (c)(3) organization and would be greatly appreciate your support!
I thank you, NSG thanks you, and Fiona and Gideon thank you too!
Liz Palmer is the Executive Director of the Nevada Senior Games.
For more information on how you can participate, contact Liz at:
702/242-1590 or by email: Nevadaseniorgames@outlook.com.
48
October 2020
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49
Folding Fitted Sheets
By: Heather Latimer / Heather’s Self-Help Tips
I
’ve had several requests regarding folding
fitted sheets. I confess I didn’t know how
until I visited Phenat Nikem Refugee Camp in
Southeast Asia to write a Fact Finding Report for
the National Institutes of Health.
Forlorn refugees aimlessly strolled about in a shabby, primitive,
open-air compound. Three mothers
rushed toward us, holding a baby
in their outstretched arms. “Take
America, Take America” they cried.
A uniformed guard shouted and
waved them away whilst hustling
us along toward two open-fronted
buildings. They were equipped with
old furnishings and outdated appliances for teaching inmates how to
earn a living if they ever reached a Land of Plenty.
Men were taught in a replica of McDonalds. Women learned
housekeeping in a mock home.
There an Asian instructor was demonstrating how to take a fittedsheet
out of the dryer - slightly damp - and lay it on a table with its
elastic fitted-corners facing upward.
(a) She smoothed out wrinkles with her hands,
(b) Folded the two longest sides inward about 10 inches,
(c) Grasped shorter top and bottom and did the same,
(d) Folded entire sheet in half lengthwise,
(e) Took bottom upward to reach middle of that lengthy half-sheet,
(f) Pulled top downward to reach middle,
(g) Folded sheet where the two short-sides met, and
(h) Folded in half side-to-side to match an already folded flat sheet,
added pillow-cases, and proudly raised the neat pile of bedclothes for
all to see.
What could be easier?
Heather Latimer is a nationally recognized specialist in making
difficult subjects easy and author of 17 books. See amazon.com/
heather latimer/how to overcome.
Insurance Concepts -
History Part 2
By: Jim Valkenburg / Insurance Insight
Last month we ended our history lesson with
“fire marks.”
The payments (premiums) for the fire marks
supported the volunteer fire fighting companies. Although it seems
unheard of today, if a fire broke out in a house that wasn’t paying for
the privilege, firefighters would ignore the fire. This is fire insurance at
its earliest stages in America.
Let’s continue with another common sight in early America. Barn
raising!
Barn raising was particularly common in 18th and 19th-century
rural America. A barn was a necessary structure for any farmer, for
example, for storage of hay and keeping of animals.
Yet a barn was also a large and costly structure, the assembly of
which required more labor than a typical family could provide. Barn
raising addressed the need by enlisting members of the community,
unpaid, to assist in the building of their neighbors’ barns.
Because each member was entitled to recruit others for help, the
favor would eventually return to each participant. It was neighbors
helping neighbors.
If the link between barn raisings and contemporary insurance isn’t
obvious, it’s because the insurance industry hasn’t done a particularly
good job of illustrating what’s going on behind the scenes. Insurance
isn’t just about paying money to some giant, faceless corporation -
although you could be forgiven for thinking it is, since most people’s
experience with insurance is limited to paying money to some giant,
faceless corporation.
But in reality, insurance is less like paying a utility bill and more like
helping your neighbors rebuild their barn after a fire.
The comparison isn’t just metaphorical either. In both cases,
resources are pooled to help community members when things go
wrong.
The difference between old-fashioned barn raisings and modern
insurance? We no longer know whom we’re helping, or who pitches in
to help you after a loss.
50
October 2020
Jim Valkenburg is a retired military officer and insurance executive.
He and his wife owned and operated their own insurance agency for
over 16 years. His primary purpose is to give out real information
that can be used to make intelligent insurance decisions.
Gaining Weight due to the Pandemic
By: Mary Richard / Health Fitness
Fall is here! What a tough summer we had!
2020 was certainly different than 2019 -
right?
Did anyone lose any weight? I bet so many
gained due to the COVID lockdown. I managed
to gain only a few pounds due to taking virtual
aerobic classes for exercises at home.
At the time you are reading this column,
I probably will have returned to teaching a
“live” class at my fitness facility. Of course,
there will be safety features, mask wearing,
social distancing, and hand washing and
sanitizing. Yep - this is our “new normal.”
So now the object is to lose those extra few
pounds before the holidays. Yes, they are right
around the corner! There is no easy way to lose
fat.
Each person responds differently to a training program. However,
activities that incorporate many muscle groups help to reduce fat.
For example, fast walking uses more calories per minute and
therefore is better suited for fat loss than non-weight bearing activities
that do not use many muscles.
For flabby arms, there is myth that you can lose fat in an area of the
body by exercising that particular body part. The truth is that “spot
reducing” does not work because you cannot choose where your body
will get the fat it uses for energy, nor can you change the fat into muscle.
However, any exercise that decreases your body fat percentage will
help you lose fat on your arms as well as other
body parts.
Should you do cardiovascular training or
strength training to burn fat? Both types of
exercise decreases body fat percentage.
However, aerobic exercise appears to have
a greater impact on fat loss than strength
training does. A combination of endurance
and strength training results in more fat loss
than either exercise program alone, possibly
because those that do both activities spend
more time exercising.
As always, before any extensive exercises,
check with your doctor. It is better to start off
with lighter weights and increase to heavier weights as you progress
when doing weight-bearing exercises.
POSITIVE ATTITUDE AND HAPPY HEALTH TO ALL!
Mary Richard is a long term supporter of senior fitness. She
teaches Zumba, toning and dance classes throughout the Las Vegas
Valley. She can be reached at zumbaqueen@cox.net.
51
How Well Was COVID-19 Handled?
By: Kyo Mitchell / A Healthier You
had a patient who expressed to me how
I horribly she thought the COVID-19 pandemic
had been handled. While everyone has a right to
their opinion, I prefer the objectivity of science.
Good science will always cite
references, so anyone can validate
the source of information and the
conclusions. All of the following
information is sourced from the
Centers of Disease Control (CDC).
In the United States, there have been
two pandemics in the last 15 years -
the swine flu/H1N1in 2009/10 and
COVID-19 in 2019/20. To compare
these two pandemics, we need to start by explaining what is called the
R0 (pronounced R naught) factor.
The R0 factor tells you how contagious a disease is. This is given as a
range of numbers. If a disease has an R0 factor of between 1.5 and 2.0,
that means that if a person contracts that disease, they will, on average,
pass it on to between 1.5 and 2 people.
In turn those newly infected people will also infect, on average,
between 1.5 and 2 people.
According to the CDC, the R0 factor for the swine flu/H1N1 was
between 1.4 and 1.6. The R0 factor for COVID-19 was between 2.0 and
4.0.
To understand this better, let’s go through 10 interactions of passing
on the disease. Using the highest R0 factor for H1N1 (1.6), one person
infected with H1N1 would result in 110 infected individuals in ten
iterations.
Using the lowest R0 Factor for
COVID-19 (2.0) one person with
COVID-19 would result in 1,024
infected individuals. With 15 iterations,
the numbers become 1,153 persons
for H1N1 and 32,768 persons for
COVID-19.
As of this date (09/17/20) the number
of COVID-19 cases is approximately
6.6 million over a six month period. According to the CDC, the H1N1
pandemic lasted about 1 year and infected 60.8 million cases.
Even though COVID-19 is far more contagious, there were less than
one fourth the cases compared to H1N1 per unit time.
Next Month: Comparing mortalities of the two pandemics.
Dr. Kyo Mitchell served as faculty at Bastyr University in Seattle
and Wongu University in Las Vegas for over a decade. Dr. Mitchell
practices in Summerlin and can be reached at 702-481-6216 or
rkyomitchell@gmail.com.
RE-ELECT JUDGE
Mary Kay
HOLTHUS
DISTRICT COURT JUDGE · DEPT. 18
A PUBLIC SERVANT FOR 29 YEARS.
HER ONLY CLIENT: JUSTICE
ENDORSED BY:
MARYKAY4JUDGE.COM
PAID FOR BY THE COMMITTEE TO ELECT MARY KAY HOLTHUS FOR JUDGE
52
October 2020
53
Duncan and the Donut
By: Susan Goldfein / Susan’s Unfiltered Wit
Ah, October: Columbus Day, Halloween, the
World Series, and for those of us who are
late-middle-aged, the start of Medicare open
enrollment season.
If your age is at, or exceeds the speed limit,
you have approximately two months to
reassess your prescription plan. This season
I resolve to finally become a more informed
consumer and seek a comprehensible
explanation of the arithmetically baffling
“donut hole.”
I breathe deeply as I dial the 800 number
that will hopefully provide answers,
before dinnertime beckons. After I assure
the disembodied voice that I’m OK with
English, she inquiries about the purpose of
my call.
“Explain the donut hole,” I reply. “OK,” says she, “I’ll connect you
to a representative.”
The music swells occasionally interrupted by a reassuring message
regarding the importance of my call. And the longer I’m forced to
listen, the more I remember why I chose to live in ignorance. Finally,
the welcome click, signaling the end of the soundtrack, and connection
to a human.
“Hello, welcome to the “Donut Hole Customer Care Line. My name is
Duncan. How can I help you today?”
“Surely, that can’t really be your name.” I gulp, trying not to giggle.
“Yes, ma’am, sadly it’s true, I’m Duncan, the donut hole specialist,
and I would appreciate if you could please refrain from making jokes
and cheap puns - or referring to me as a
Munchkin.”
“Never entered my mind,” I assured him,
crossing my fingers. “I simply want to know
how to avoid falling into the donut hole.”
“You can’t avoid it,” Duncan said. “Once
you reach your coverage limit, down you
go. You’re on your own until you’ve hit
your TrOOP.”
My troop? It’s been years since I’ve been
a scout leader. And I can’t afford to be on
my own.
After Duncan explains that TrOOP is
an acronym for True Out-of-Pocket
expense, I whine into the phone. “Isn’t there something I can do?”
Duncan paused. “Well, you can remain healthy, or take a second
mortgage on your house. If you would like, I can transfer you to the
Second-Mortgage Donut Hole Help Line.”
Duncan must have sensed my despair because he lowered his voice
and, in a confidential tone, asked me if I’d considered moving to
Canada.
I hung up, more confused than ever. But not before I told Duncan
that I “donut” know how to thank him.
Susan Goldfein’s newest book, How to Complain When There’s
Nothing to Complain About, is available at Amazon.com, BN.com,
Read her blog at: www.SusansUnfilteredWit.com. Email Susan:
SusanGoldfein@aol.com.
54
October 2020
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55
Feng Shui Changes for Your Home
By: Kate Wind / Kate’s Insight
In my Feng Shui practice,
I teach that the home is
simply a reflection of what
we are going through and
experiencing in life. Everything from the colors in
the home, the functionality and the artwork come
into play when assessing what the client may be
going through.
I’m like a home-whisperer in many cases.
When just learning about Feng Shui and all of
the principles, it can seem overwhelming. Clients
often tell me: I don’t even know where to start!
I understand that feeling since many of us have
larger homes than we need with extra rooms,
drawers and garages full of stuff! It can feel like a
much larger project than it needs to be.
Feng Shui is a process, so working in small steps
is quite effective!
Here are 6 intention-based changes for the home. These are great
to help focus in on one area of the home based on your specific needs.
1. To create a better work/home balance, remove paperwork from
the kitchen and dining area.
2. To set the goal of completion, make your
bed daily.
3. To improve your foundation (such as a
living condition or rocky marriage) focus on the
cleanliness of the floors.
4. To set the intention of prosperity, invest in
shiny pots and pans
5. To bring clarity to your life, focus on the
cleanliness of the mirrors and windows in your
house.
6. And to untangle situations, eliminate or
organize tangled cords and wires in the home or
workplace.
Have any questions about how Feng Shui can
help you? Please feel free to email me at my below
address.
Happy changing!
Kate Wind is second-generation Astrologer and Feng Shui
Consultant. She speaks on an array of topics, from astrological
influences, Chinese New Year, Feng Shui and Tarot. You can contact
her at: the katewind@gmail.com. Her podcast, Mom and Me
Astrology can be found on any of the major podcast apps.
56
October 2020
57
Who Wins the Election?
By: Stu Cooper / Happy Adventures
figured it out. The big winner of this
I presidential election season is neither of the
candidates. One of them is going to lose. And in
the process they will verbally knock each other all over the country.
So, who is the big winner? Like I said I figured it out. It’s
all the advertising
agencies producing
the ads for both
candidates.
You can’t turn
on your TV or radio
without hearing a
political ad. These ad
agencies are making millions of dollars.
It doesn’t matter who wins for them. They just
keep producing ads.
And I have to tell you the ads are brilliant. I
don’t care what your politics are, these ads are well done and
advocate strongly for their candidate.
That’s why I am stealing the best of their advertising and applying it
to the one thing I can advocate for, our Vegas Voyagers Travel Club.
Over these long months of inactivity, I have always believed that every
day that goes by, we are one day closer to offering great travel options.
We are absolutely going to make “the Vegas Voyagers Great Again.”
Our travel club has always been GREAT, and it will be so again. And
when we resume we will “Build the Vegas Voyagers Back Better.”
Both campaign slogans apply to the Vegas Voyagers.
It doesn’t matter what your
political point of view is, both
slogans are great tag lines. We
are looking into all sorts of new
and exciting travel options for
our members.
We will re-establish our
“Bus to the Boat” program
and we will look to smaller
ship experiences
with cruise lines that
offer great itineraries
that offer more
intimate experiences. We are also looking into land
vacation group opportunities. Lastly, once conditions
permit, we will hold Club meetings that are fun and informative.
A little more patience is needed before we start to travel. But a tip of
the hat to both political parties for their signature mottos.
And of course, our Vegas Voyagers message: “Where good friends
and travel come together” is truly a bipartisan notion .
58
October 2020
59
When Are You Too Old To Drive?
By: Crystal Merryman-Sarbacker /
Out & About
Do you remember hearing Dinah Shore sing
“See The USA In Your Chevrolet” on her
television show?
If you do, you may be shocked to
discover that was almost 60 years ago!
This means you must be – oh my gosh –
older than that!
So, sometime in the not-too-distant
future, you may find yourself wondering if
you are too old to drive. Have you reached
an age which means you should turn the
car keys over to someone else? And if you
have, what happens next?
I know first-hand there are few hot
bed issues that are more inflammatory
or more personal than deciding how long an aging family member
should be able to drive safely. In my own family, my Dad – who was a
very gifted and productive artist to his dying day - refused to voluntarily
stop driving the family car.
When he was in his late 80’s, he went out to run an errand and forgot
not only where he lived but also that he was to call me for help in any
emergency. Instead, he checked into a sleazy hotel that he happened to
drive by, so he wouldn’t have to admit he was lost and couldn’t find his
way home.
Of course, we had everyone from friends and family members to the
police out looking for him. But was he appreciative? Of course not! He
was defiant and declared his night out had been an adventure.
As if that wasn’t bad enough, one
morning he rear-ended a school bus
filled with children. Fortunately, no one
was injured. Out of complete frustration,
my brother and I finally had to take the
car away from him, which made him so
angry he threatened to have my brother
arrested for stealing his car!
Actually, neither Nevada, nor any other
state for that matter, has a maximum age
limit for driving a car. Instead the driving
ability of an individual is generally
determined on a case-by- case basis with only a little assistance from
the DMV.
How much more manageable it would be if there was a maximum
age limit for driving, and we could properly plan and provide for our
senior years.
Crystal Merryman-Sarbacker is a travel agent and the owner of
Vegas Vacationers Inc. She can be reached at:
Merryman2@aol.com
60
October 2020
Phil Vegas Voice HP 09-2020.indd 1
9/14/20 3:55 PM
61
Adrenaline Mountain
Extreme Adventure Park
By: Burt & Dianne Davis / Our Vacation
Looking for something completely different?
Visit Adrenaline Mountain Extreme
Entertainment Complex in the desert outside of Goodsprings about
20 miles south of the LV Strip.
It is a 400 acre giant man-cave with many extreme activities in
one fantastic open air location. Beat the heat 2,500 feet higher than
the strip and 10 degrees cooler. It is fun and fascinating.
We spent an invigorating afternoon exploring this adult action park
with activities designed for excitement. We enjoyed a tour in an ATV -
Crash helmets required and an instructor or guide in the lead vehicle.
You can go to the peak of Mt. Potosi - famous because it is where
a plane carrying actress Carol Lombard crashed in 1942. Or you
could drive a Monster Truck on a course built specifically for these
huge vehicles.
62
October 2020
The giant earth moving machine was a highlight. Fortunately, an
instructor lets you know which levers to operate on the truck’s huge
shovel. I lifted a car, dropped it, and crushed it!
We checked out the axe-throwing and archery ranges. The archery
bows are the same grade as those used in hunting.
Or try a crossbow. Throwing an axe at a target is a great way to
release frustrations.
There are more than 70 firearms ranging from simple Derringers to
high velocity machine guns. Many of the firearms are linked to famous
persons or events.
Choose Dirty Harry’s pistol, John Wayne’s revolver or the sub machine
gun used in the Valentine Day’s massacre. An expert instructor is on
hand and targets are up to 400 yards away from the climate controlled
trailer.
For a price, you can shoot at a car that contains an explosive device.
BAM! See a car blow up when someone hits the proper target.
The park includes an outdoor wedding chapel with a view of Mt.
Potosi and officiants on call. You can also book one or many of the
park’s activities. Details are found at www.adrenalinemountain.com.
Free transportation is provided from The Strip or the nearby famous
Pioneer Saloon.
Thanks to Dianne and Burt Davis who continue to travel the
world and share their adventures with our readers.
63
October 25, 1854
By: John Beilun / Time Traveler
In 1853, the Russian Empire decided to
carve a piece out of the Ottoman realm and
arbitrarily appropriated a portion of its holdings.
Allied with the Turks, the British and French threatened the Russians
with war if they did not withdraw, which they shortly did thereafter.
Now, this should have been the end of the matter. However, Britain
and France suddenly felt like flexing their muscles. So, in September
1854, they invaded a Russian held peninsula that jutted into the Black
Sea – a neck of land called the Crimea.
The fighting stopped after nearly two years, when both sides grew
tired, with no one gaining advantage. Known as the Crimean War, this
unnecessary and meaningless conflict is infamous for the countless
military errors committed by both sides.
The Battle of Balaclava is probably the most egregious example.
On October 25, 1854, Major General the Earl of Cardigan viewed the
valley to his front. The hills on each side and the opposite end were
defended by over fifty heavy artillery pieces and twenty battalions of
infantry. Nevertheless, Cardigan’s brother-in-law and immediate
superior, Lieutenant General the Earl of Lucan, had commanded him
to attack.
Due to the unfavorable terrain and the enemy’s overwhelming
firepower the order was essentially suicidal. And in this instance, it was
made even more so because Cardigan’s force was comprised solely of
light cavalry, armed only with lance and saber. Cardigan and Lucan
however detested each other,
and many historians believe
that their animosity tainted
the Lieutenant General’s
judgment.
Despite his misgivings,
Cardigan led his brigade’s
charge into the valley.
Meanwhile, the incredulous
Russians primed their artillery.
Cardigan’s men fell in
droves. Lucan’s promised
support never materialized.
Yet, the British continued on.
Miraculously, remnants of
Cardigan’s brigade reached the
opposite end of the valley and
overran the guns positioned
there.
However, their elation was cut short when the Russians unleashed
their infantry battalions. Outgunned and outnumbered, the British
retreated back the way they came. Replacing shells with canister, the
enemy resumed their cannonade.
Theirs not to reason why. Theirs but to do or die. Into the Valley of
Death rode the six hundred.
Thus, ended the Charge of the Light Brigade.
NLV Dept 3
An 11-year officer in
the United States
Air Force Reserves,
Judge Advocate
General (JAG) Corps
“...earning high marks for fairness and efficiency.
Judge Lee’s experience and temperament carry the day.
We urge a vote for
Judge Chris Lee.”
9/15/20
64
October 2020
65
Come Join Us
By: Temma Hammond
Our senior community has such a wide
variety of folks that have skills in so many
ways and artistic abilities that sometimes they
themselves are surprised. I have given workshops in acting for over
forty-five years at colleges and studios and the greatest enjoyment I’ve
experienced is watching my fellow seniors have fun with their own and
collective creative strengths.
I also started an Improv group within the senior community where
I lived and for several years they’ve worked together learning the skills
of improvisation and performing. The ability to speak freely with
confidence, in “improv”, is simply wonderful.
Now with Golden Network TV available on Roku and working with
The Vegas Voice, I wonder if any of you reading this might be interested
in doing some local interaction through our streaming service.
Improvisation is what we do every day in our lives - no script is needed
to go shopping, talking on the phone or any daily communication, so
we all can improv. Working in a group doing improv is learning to trust
your own abilities and expand your communication skills.
I would enjoy hearing from you if you have any interest in being part
of such a group. I promise you, it’s a lot of fun.
Temma Hammond is the CEO & Founder of The Golden Network.
You can watch all their great programs on ROKU.
66
October 2020
67
A Final Election Word (or Two)
By: Vicki Wentz / Vicki’s Voice
Are you having as much fun as I am this
election season? Just
makes you wanna kick up
your heels, doesn’t it?
“Good morning, Nevada!,” some
handsome, distinguished gentleman says
sincerely into the camera. “I’d like to talk to
you for a moment about the problems we’re
facing here, and what to do about them.
“For example, my opponent wants to tax you
into oblivion, which is obvious from the fact
that he never tips a waiter more than 10%! This
man hates children and widows and flowers
and animals and, oh yeah, candy, he really
hates candy - have YOU ever seen him with a
Snickers bar?”
Turn the channel. “Hello, North
Dakota,” (I have no idea what’s going
on politically in North Dakota, or if there’s
anything going on in North Dakota at all...I’m
not even sure there is such a place) says the
carefully-coiffed-and-dressed soccer mom.
“I want to go to Washington to fight for you! First, I will introduce a
bill to take every food that actually tastes good out of school cafeterias
across the nation and use healthy options to motivate children: extra
carrots for every A, spinach salad after winning football games!
(Not that children should be playing football,
which is extremely competitive and also causes
booboos, and therefore should be eliminated,
perhaps in favor of soccer, where the only
danger is being bored to death.)
“My opponent, on the other hand, has
shown from his pants size alone that he wants
your children to eat fried and processed foods
until they must be rolled to school like giant
watermelons, where he thinks they should all
be FORCED to play football, even the girls!”
Riiiing. “Hi, there!” says the automated
voice. “I’m Joe Candidate, and here’s my
message for Missouri” (again, possibly a madeup
state).
“I want to return to Washington to represent
you the way you should be represented - by
someone who, unlike my opponent, loves
chocolate and puppies and long walks on the
beach. And, I want to make it perfectly clear:
those racy tweets that I sent to my old college girlfriend were in no way
from me...uh...what I mean is...MY OPPONENT’S MOTHER IS HUGE!”
On the radio: “I’m Johnny Incumbent. Did you know that my
opponent is a lying, atheist, non-bathing, sexually-experimenting,
flag-burning bunny-hater with ties to organized crime, who wants to
put convicted felons to work at your local Starbucks?!
“Just say no, and send me, Johnny Incumbent, back to Washington!
This message paid for by JustSendHimSomewhere.org.”
In the mail: “Dear Friend,” (this “friend” hasn’t written me in...
um...ever) “I need your help. I’m fighting to return to Congress and
fix all the problems that, well, frankly, Congress caused to begin with.
“Yes, only someone who voted the wrong way the first time can
possibly know how to vote the next time, right? So, once I’m there, if
you send me giant, bottomless vats of money, I’ll…uh …see what I
can do.
“Please attend my upcoming fundraiser, where I will answer
spontaneous questions from my family members, which have not been
pre-screened at all, and I’ll take a picture with you, as long as you don’t
get like really close to me or anything. Thank you, Utah!!”
If I ever run for anything, here’s my ad: “Hello, my name is Rookie.
I’ve never been in politics. I don’t know ‘how Washington works.’
Maybe I’m not qualified. But, I have read the Constitution - has my
opponent? Thank you.”
Now, THAT would get me to the polling place...plus, they have really
good Starbucks coffee there.
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October 2020
Vicki Wentz is a writer, teacher and speaker living in North
Carolina. Readers may contact her - and order her new children’s
book! - by visiting her website at www.vickiwentz.com.
you are welcome
here
our doors are open (again)!
pastor paul block
october events:
blessing of the animals
october 10, 10:00am
– all are welcome –
virtual 5k
month of october
– call for details –
Join us for Church In-Person or Online.
We have taken precautions to create a safe
worship space. Come to hear the Good News
of God’s love for you! Our In-Person Worship
Services start back up September 12 th .
Saturdays In-Person at 5:00pm
Sundays In-Person at 8:30am and 10:00am
Online Sundays at 8:30am and 10:00am
New Song Church is located at 1291 Cornet Street
in Henderson. Call us at (702) 492-1771 or visit us
online at www.NewSongAnthem.com
69
Food for Thought! Diet Plays a Huge Role in Brain Health
By: Jan Fair / A No-Brainer Minute
Y
es. There's 'Food for Thinking'! So says neuroscientist and certified integrative nutritionist,
Lisa Mosconi, PhD, INHC, Associate Director of the Alzheimer's Prevention
Clinic, Weill Cornell Medical College, NY. In her terrific book Brain Food (below-right) she says
getting enough water can dramatically improve your brain AND it's crucial to eat the right foods.
[Note: All ingredients in my recipe (below) are mentioned in Dr. Mosconi's book as brain-healthy.] Enjoy!
Good-4-U Simple Salmon Curry
• 4 5-6 oz Wild-Caught Salmon
pieces (fresh or frozen/thawed)
• 1 (or 2) small onions sliced
• 8 garlic cloves minced
• 1 14.5 oz can diced tomatoes
with chili peppers
Spices:
1 tsp. each of
cumin, curry,
turmeric &
coriander.
[Serves 4]
Good-4-U
recipes have
4 ingredients
(plus spices)
so they are
quick & easy.
1. Heat a little water (or oil) in a pan.
Saute onion & garlic.
2. Add tomatoes & spices and more
water as needed. Simmer 10 mins.
3. Add the salmon pieces.
Cover & simmer 10 minutes.
4. Serve over brown rice. Yum!
Jan Fair is a writer, consultant & public speaker who has published over 40 books PLUS the
No-Brainer Brain Games series. Sign up for her FREE newsletter at www.JanFair.com
Mental Minutes
“Brain Food”
1. In one minute, name brain
heathy foods & recipes.
2. Make an alphabetical list.
Avocado toast, Berries, barley
broccoli, Brazil nuts, beetroot,
black caviar & bowls of black
beans … Zesty Indian curries.
A No-Brainer Pick
Brain Food: The
Surprising Science of
Eating for Cognitive
Power
Dr. Lisa Mosconi
October 2020
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October 2020
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