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Retired • Curious • Vibrant • Relaxing • Grand Babies

FOCUS 50
Gardening • Golf • Scrap Booking • Traveling • Hobbies
Memories • Reflections • Pampered • Living • Dancing
Retired • Communities • Loving • Hobbies • Memories
Reflections • Pampered • Living • Dreams • Activities Plus
ShoppingA Guide
• Fishing • Mentoring
for Mature Adults • Cooking • Baking
-June 2010-
Decorating • Life • Support • Love • Knowledge • Vibrant
Relaxing • Grand Babies • Gardening • Golf • Scrap
Booking Traveling • Exercising • Health • Amazing •
Politics Informative • Lifelong Friends • Swimming • Loving
Hobbies • Memories • Reflections • Pampered • Living
Dreams • Activities • Shopping • Fishing • Mentoring
Cooking • Baking • Decorating • Life Support • Love
Retired • Curious • Vibrant • Relaxing • Gardening • Golf
Scrap Booking • Nurturing • Nutrition • Politics • Family
Biking • Retired • Hiking • Loving • Hobbies • Memories
Reflections • Pampered • Living • Dreams • Active
Antiquing • Fishing • Mentoring • Storyteller • Decorating
Life • Support • Love • Retired • Curious • Vibrant • Health
Relaxing • Grand Babies • Gardening • Sharing • Golf
Scrap Booking • Traveling • Exercising • Pampered
Understanding • Retired • Curious • Vibrant • Relaxing
Grand Babies Gardening • Golf • Scrap Booking •
Traveling Hobbies • Memories • Reflections • Pampered •
Living Dancing Retired • Communities • Loving • Hobbies
Memories Reflections • Pampered • Living • Dreams
Activities Shopping • Fishing • Mentoring • Cooking • Life
Decorating • Life • Support • Love • Knowledge • Vibrant
Relaxing • Grand Babies • Gardening • Golf • Scrap
Booking Traveling • Exercising • Health • Amazing •
Politics Informative • Lifelong Friends • Swimming • Loving
Hobbies • Memories • Reflections • Pampered • Living
Dreams • Activities • Shopping • Fishing • Mentoring
A Publication of
Cooking • Baking • Decorating • Life • Support • Love
Country Peddler
Retired • Curious • Vibrant • Relaxing • Gardening • Golf
Scrap Booking • Nurturing • Nutrition • Politics • Family
 Baby Boomers Have Left
Their Mark On History
The United States Census Bureau considers a baby boomer to be some-
one born during the demographic birth boom between 1946 and 1964.
Here is a small sampling of boomers who have made their mark on
current history. Or at the very least have made an impression on the
younger generation.
Three Presidents of the United States
• Bill Clinton, born 1946
• George W. Bush, born 1946
• Barack Obama, born 1961

Authors
• Stephen King,
born 1947
• Amy Tan,
born 1952

Athletes
• Magic Johnson - basketball
star, born 1959
• Joe Montana - football
Actors/Entertainers
legend, born 1956
• Cher, born born 1946
• Peggy Fleming - Olympic
• Sean Penn, born 1960
figure skater, born 1947
• George Clooney, born 1961
• Demi Moore, born 1962
Technology
• Steve Jobs - Apple Computer
Broadcasting
founder, born 1955
• Katie Couric, born 1957
• Bill Gates - Microsoft founder,
• Rush Limbaugh, born 1951
born 1955

Comedian/TV Hosts
• Stephen Colbert, born 1964
• Ellen DeGeneres, born 1958
• Oprah Winfrey, born 1954

Musicians/Singers
• Bruce Springsteen, born 1949
• John Mellencamp, born 1951
• Yo-Yo Ma, born 1955
• Madonna, born 1958
2
Interesting Articles You Won’t Want To Miss
• Baby Boomers Have Left Their Mark On History . . . 2
• Keep Your Feet In Super Shape . . . . . . . . . . . . . . . . . . . . . . . . . . 4
• Be Safe...Medicine Tips For Seniors . . . . . . . . . . . . . . . . . . . . 6
• Walking Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
• Set A Healthy Table . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
• Burn Calories While Beautifying Your Lawn . . . . . . . 11
• Get Started With Meditation . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
• Seniors Are Healthier And More Active . . . . . . . . . . . . . . 14
• What’s In Store For Younger Boomers? . . . . . . . . . . . . . 16
• Affordable Vacation Ideas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
• Retirement Around The Corner . . . . . . . . . . . . . . . . 20 & 21
• Maintaining A Strong Intimate Relationship . . . . . . . 22

This publication is brought to you, an important

consumer, by the following businesses:

• Associated Foot & Ankle Clinic....................5

• Better Hearing..............................................21
• Bluegrass Oral Health..................................11
• Bowling Green Retirement Village...............7
• First Choice Home Medical.........................11
• Forever Communications............................23
• Greystone Pet Hospital...............................17
• Hardy & Son Funeral Home........................10
• J.C. Kirby & Sons Funeral Homes...............19
• Janet Hill/Modern Woodmen of America. .21
• Jewelry Barn...................................Back Page
• Neace Lukens.................................................9
• Professional Cleaning & Painting...............17
• Riverview at Hobson Grove..........................4
• WKCT Radio..................................................13
• Warren RECC................................................15

3
 Visit Bowling Green’s
historic house museum… Riverview
at
Hobson Grove

843-5565
1100 West Main Ave.
in Hobson Grove Park
Tues-Sat 10AM-4PM
Sun 1PM-4PM

Teas • Luncheons
Visit the gift shop Special Events
Call for more info
for unique items

Keep Your Feet in Super Shape

Tips From the Professionals to Ensure Healthy, Pain-Free Feet
Your feet are an essential part of your well-being. Treat your feet well and they
will reward you accordingly. Here are some essential tips to keep your feet
healthy, pain-free, and in super shape.
1. Keep your feet clean and dry. Check your feet regularly for any abnormal color or
skin problems.
2. Keep your feet moisturized with a good moisturizer to keep the skin soft, moist
and healthy.
3. Check for fungus. If you discover fungus on your feet, a professional should take
a look and recommend a treatment option.
4. Inspect toenails weekly. Trim
and shape as necessary. Cut your
toenails straight across to help avoid
ingrown toenails. Smooth nail edges
with an emery board or nail file.
5. If you experience foot pain do not
ignore it at all. Discomfort in your
feet is not normal and should be
looked at by a professional. If you
do have a foot issue, the quicker it
is identified and cured, the better.

Your feet are so important to your health and

well-being that it’s worth learning how best
to look after them and avoid foot pain.
Remember to focus on prevention rather
than cure, so treat early, treat well
and reap the long-term benefits.
4
Live
Love
Laugh
Enjoy Life
Pain-Free
We Specialize in
the treatment of …
• Ingrown Nails
• Diabetic Foot Care
• Heel Pain
• Arch Pain
• Corns - Callouses
• Hammertoes
• Fungus Nails
• Sports Injuries
• Bone Deformities
• Bunions
• Warts

Associated Foot and Ankle Clinics

846-3338 • 1-877-753-3338
1830 Destiny Lane, Suite 110

Dr. Richard R. Young

Board Certified Podiatrist
American Board of Podiatric Surgery
Fellow American College
of Foot & Ankle Surgeons

Dr. Jennifer Benge

Member of:
American Podiatric Medical Association
Kentucky Podiatric Medical Association
American College of Foot & Ankle Surgeons
5
Be Safe... Medicine Tips for Seniors
As people grow older, needing a prescription
medicine is almost as inevitable as gray hair and
reading glasses. Two-thirds of all seniors take at least
one medication each day, and 25 percent take three or
more. Many seniors owe their lives – or at least their
lifestyles – to medications, but the remedies can also
carry serious risks.
Seniors are especially vulnerable to the effects of
prescription drugs. This age group take more drugs
than any other group and are more sensitive to the
effects of medication. Each year more than 9 million
Americans suffer side effects or have a negative
reaction to medication. Here are a few simple steps
to help you take the danger out of your drugs.
• What are the possible dangers from your medication?
Understand the risks. Read the warning labels on all over-the-counter
medications, Ask your doctor about the side effects of all your prescriptions.
or if your medications can interact with each other. Drug interactions are a
serious concern for seniors. According to the Council on Family Health,
almost 40 percent of all drug reactions reported each year involve people
over 60. Make sure your doctor knows about every prescription and
nonprescription drug you are taking, including herbal remedies, nutritional
supplements and daily multivitamins.

• How to take your medications safely.

• Follow your doctor’s directions exactly.
Make sure you understand how and when
to take all your medications.
• If you have trouble reading labels, ask for
large-print type on your prescription labels. A
magnifying glass and a bright light can also help.
• Develop a system for keeping track of your medications.
Start your day by sorting your medications into
separate dishes, one for morning pills and one for
evening pills.
• Keep taking a drug until your doctor says it’s time to quit.
Stopping when you “feel better” can lead to unforeseen
complications.
• Check the expiration dates on your medicine bottles and
throw out anything that’s past its prime.
• Contact your doctor if you experience any side effects --
including dizziness, constipation, nausea, sleep changes,
diarrhea, incontinence, blurred vision, mood changes, or a
rash – after taking a drug.
• Obtain a copy of your complete medical record to give to
any new doctor or specialist you see. Be sure to remind
them about any medications, chronic conditions, and
allergies to medications of which you’re aware.
6
 Welcome to
Carefree Retirement!
BOWLING GREEN’S PREMIER
RETIREMENT COMMUNITY...
When it comes to carefree retirement, life couldn’t be better!
Our Monthly Rent Is So Affordable!
• 3 Meals A Day Served In Our Dining Room
• Housekeeping & Linens Service
• Social Activities • Electric & Water Included
• Scheduled Transportation
• 24-Hour Emergency Response Program
• Maintenance • Exercise Area • Pool • Jacuzzi

BEAUTIFUL APARTMENTS...
• 2 Bedroom • 1 Bedroom • Efficiencies • Studios 445 Middle Bridge Road West • Bowling Green
• 137 State Certified Assisted Living Apartments/Suites (270) 842-5433 • www.bgrv.com

Walking Life
• Walking is the perfect way to soothe
ak e t h e road
T r aveled
your mind and make sense of anxiety
slo wl y t
and worry.
• Take an aimless walk - don’t have
a destination.
• Take a camera or your music.
• Explore your surroundings -meander
one direction and then another. Refresh,
• Take a “Quest Walk”. Start out with rewind
a question or problem and walk out and
an answer.
revive.
Solutions Insights
come. follow.
Experience something new.
Wear comfortable shoes.
Bring water.
Follow your insights.
Go alone or with a friend.
7
 SET A
HEALTHY TABLE
Delicious Ways to Add
Omega-Oils to Your Meals
Foods for a healthy lifestyle can be full of great
flavor. The traditional Mediterranean diet is a wonderful
example of great food that can have a healthy impact on
the body.
The Mediterranean diet is characterized by daily
consumption of olive oil, fish, fruits, vegetables,
legumes, nuts and whole grains. It encourages eating
fewer processed foods and reducing consumption of
meat, a common source of Omega-6 fatty acids.
Everyone needs Omega-6 and Omega-3 essential
fatty acids because our bodies don’t produce them. But
it’s important to keep them in the right balance to each
other. The Mediterranean Diet helps achieve that balance by focusing on using olive oil instead of
vegetable cooking oils that are high in Omega-6.
These recipes for Chicken Marsala, Red Beet and Blood Orange Salad, and Black Bean,
Edamame and Wheat Berry Salad make it easy to set a healthy table everyone will be happy to sit
down to.

Chicken Marsala (Serves 4)

2-1/4 lbs chicken parts, skin removed
2 tablespoons Extra Virgin Olive Oil
1/2 cup Marsala Cooking Wine
8 garlic cloves with skin on
2 to 3 lemons cut into wedges
4 rosemary sprigs
Salt and pepper to taste*
Preheat oven to 400˚F. Place chicken pieces in a roasting pan and
drizzle with extra virgin olive oil. Season with salt and pepper to taste.
Place garlic among chicken pieces and tuck lemon wedges alongside
garlic. Pour cooking wine over chicken. Scatter rosemary sprigs on top
of chicken and bake for 10 minutes. Lower the oven temperature to
350˚F and bake for another 15 minutes, or until chicken is golden
brown and juices run clear when chicken is pierced. Serve immediately.
*All cooking wines are denatured, so adjust your salt content accordingly.

Black Bean, Edamame and Wheat Berry Salad

Serves 6 (3/4-cup servings)
Combine water and wheat berries in medium
4 cups water saucepan and bring to a boil. Reduce heat, cover
1/2 cup dry wheat berries and simmer 55 minutes or until wheat berries are
1/2 of 15 oz. can of black beans, rinsed and drained just tender. Place in a fine mesh strainer and run
1 cup frozen, shelled edamame, thawed under cold water to cool quickly; drain well.
1 cup chopped tomato Combine wheat berries with remaining ingredients
1/2 cup finely chopped red onion in medium bowl. Serve immediately or cover with
plastic wrap and refrigerate up to 8 hours in
2 tablespoons Red Wine Vinegar advance.
3 tablespoons Extra Virgin Olive Oil Note: Wheat berries are unprocessed wheat kernels and are sold in
major supermarkets and health food stores.
Salt and black pepper to taste
Red Beet and Blood Orange Salad
Serves 4 (about 1 cup salad per serving, plus 1/4 cup dressing for later use)
DRESSING:
1/4 cup Extra Virgin Olive Oil Preheat oven to 425˚F. Peel beets under
running water to prevent staining of
1/4 cup Blueberry Pomegranate Infused Red Wine Vinegar fingertips. Drain on paper towels and cut
(Pompeian Brand works best) each beet into eight wedges. Place beets on
2 to 3 tablespoons sugar foil-lined baking sheet, drizzle with 1
1-1/2 tablespoons grated fresh ginger teaspoon oil (from the dressing ingredient
1/4 teaspoon salt or to taste list) and toss to coat well. Arrange in a
SALAD: single layer, bake 10 minutes, stir and
cook 10 minutes longer or until just tender.
2 med size, fresh beets (about 10 ozs. total), Remove foil and beets from baking sheet
stemmed and scrubbed and place on wire rack to cool at least 10
4 large Romaine lettuce leaves or 4 cups loosely minutes. Meanwhile, combine salad
packed field greens (about 4 ounces total) dressing ingredients in a jar or container
2 blood oranges or navel oranges, with lid. Arrange lettuce on a large platter,
peeled and cut into sections top with remaining salad ingredients and
beets. Shake jar vigorously and drizzle one
1/2 cup thinly sliced red onions half of the dressing evenly over all.
1/4 cup chopped cilantro leaves Refrigerate remaining dressing up to 3
1/2 oz. chopped walnuts, toasted (optional) days for later use.
8
 We are independent agents proudly representing Auto-Owners Insurance.

1945 Scottsville Road, Suite 100

Bowling Green, KY
270-781-8181
www.neacelukens.com

We believe that there’s something Thank you for rating

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for honesty and for common sense. “Highest in Customer Satisfaction
That is how we will handle all of with the Auto Insurance Claims
Experience, Two Years in a Row”
your policies. Everything will be
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Call us or stop in to learn how

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an independent agency, we can
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Ask us about our award

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9
 “Grandchildren are
the dots that
connect the lines
from generation
to generation.”
~ Lois Wyse,
advertising executive

HARDY & SON

Funeral
Homes Family Owned & Operated Since 1926
Bill Hardy Jr.

270-842-3230
BOWLING GREEN SMITHS GROVE
CHAPEL CHAPEL
3098 Louisville Road 259 Broadway
Bowling Green, KY 42101 Smiths Grove, KY 42171
www.hardyandsonfuneralhomes.com
10
 First Choice Home Medical The Smile You Desire...
is Your Best Choice for The Care You Deserve.
Home Respiratory &
Home Medical Equipment
Our highly Respiratory Products
trained staff can
help you with... • Oxygen
Concentrators
Wheelchairs • Portable Oxygen
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• Sleep Apnea
Products Relaxation and Sedation Options Available!
• Nebulizers
GENERAL DENTISTRY
Patient Room Furnishings • TOOTH-COLORED FILLINGS
• Hospital Beds
• Manual • Trapeze Bars RESTORATIVE DENTISTRY
• Heavy Duty • Overbed Tables
• Lightweight • Hydraulic Patient Lifts • IMPLANTS • CROWNS • BRIDGES
• Accessory • Lift Chairs • FULL AND PARTIAL DENTURES
Items • Bath Safety Products
ON CALL 24 HOURS A DAY • 365 DAYS A YEAR COSMETIC DENTISTRY
• LUMINEERS • WHITENING
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Dr. Andrew Dr. William Dr. Leslie

1945 Scottsville Rd., Suite A3 M. Burt Campbell
Funk
Bowling Green, KY 42104
270-393-9393 • Toll Free 1-866-264-9393 546 Park • Bowling Green
www.FirstChoiceHomeMedical.com 781-6161 • www.bgohc.com

- Did you know that it’s

(ARA)
Burn Calories While possible to burn up to 260 calories
per hour mowing a lawn with a
Beautifying Your Lawn power mower and up to 480
calories per hour gardening with
other power tools?
Fifty percent of people who join a
gym drop out within the first three
months, but there is research
supporting the Biophilia Effect:
that the great outdoors acts as a
motivator to be physically active.
• Get a leg up on yard work.
Walk-behind mowers are great for
shaping legs and burning calories.
Mowing a yard that is one-third of
an acre is equivalent to walking
about two miles.
• Skip the slump! It’s a natural fact
that posture affects mood as well
as performance.
• Inhale down, exhale up.
Remember to breathe correctly.
For example, inhale as you squat
down or lunge forward, and exhale
as you stand up, lift or push.
• Need to revive? Get some green. Nature holds a special captivation for all of us. Being
outdoors in fresh air has a soothing, restorative and healing effect.
• Team up with the right equipment. Avoid repetitive stress injuries by selecting the
right equipment.
When using any outdoor power equipment, remember to think safety first. Read and understand the
operator’s manual and be sure to wear the appropriate protective apparel.
11
 Get Started With Meditation

Daily meditation can create a sense

of calm in our hetic lives. Learning
how to meditate for 20 minutes a day
can also have a huge impact on your
physical health.
To meditate you will need to break
away from the world. Turn off your cell
phone and pager, shut down the computer and turn on the answering machine. There
should be no interruptions during this special time.
Meditation is the perfect antidote for the constant intrusion of technology in our lives.
In fact, recent research has shown that meditating twice per day for about 20 minutes can
actually reduce blockages in your blood vessels, significantly lowering the risk of
sudden death by heart attack or stroke.
These techniques are meditation practices rather than meditation itself, practice will
help you achieve the state of meditation. One person might
practice meditation for years to achieve a meditative state
of being while an experienced meditator might meditate for
an hour to achieve moments of meditative consciousness.
The Benefits of Meditation Are Subtle
You may not feel instant peace and calmness when
practicing meditation, its effects will become apparent to
you later, when you may notice that you responded to a
crisis with uncharacteristic calmness, or failed to get
“triggered” in a situation that would normally disturb you.
3 Basic Ways to Practice Meditation
 Follow your breath - Exhale strongly a few times to
clear the base of the lungs of carbon dioxide.
 Observe an icon or object: Allow your mind to rest lightly on the object. Allow your
attention to sit there, quietly and peacefully.
 Recite a mantra - A mantra means “that which protects the mind.” So reciting a
mantra protects you with spiritual power. It is also said that when you chant a mantra,
you are charging your breath and energy with the energy of the mantra.

Here are a few tips to get you started:

• Where...?
Try to set aside a special corner of
one room a calm, quiet and peaceful
place. Enlist the help of Mother Nature:
Listening to the surf crashing upon the
rocks at the ocean. Walk along a
shaded trail surrounded by trees &
flowers. Stand near a stream with water
playing over the rocks or a waterfall…or
watch the moon rise or birds fly
overhead.
• How ...?
The classic posture is to sit with legs
folded and hands resting quietly on the
lap or the knees, the key is to find a way
of sitting that is comfortable for you. You
12
can focus on an object that brings you
calmness, focus lightly on the object
don’t go into a trance like state.
• Eyes - Open or Closed?
Keep your eyes open if possible, to
keep all of senses open. You do not want
to fall asleep, but to find yourself in a
state of “relaxed alertness.” Keep your
eyes “soft” — that is, do not focus on
anything in particular — and your mouth
slightly open.
• How Long...?
20 minutes, twice daily is the
recommended time, but it’s not how long
you meditate but the results you achieve
Good Fridaywith
Bill Goodman Listen to WKCT
as Bill Goodman,
respected state
journalist from

Television,
joins Darrell & Al
every Friday morning
at 7:45am

Get the
latest news
from around
Kentucky only on

NEWS • WEATHER • SPORTS • INFO

13
 Seniors Are Healthier
And More Active
Seniors are more physically active than many people think, says a
surprising new survey. The survey was commissioned by health benefits
company Humana Inc. and the SilverSneakers® Fitness Program.
Of those polled, 97% say
they are in good, very good
or excellent health and 45%
consider themselves above
average in physical fitness.
Respondents believe that
exercising helps improve and
maintain their health and
fitness levels, with 42%
noting that they look or feel
better as a result of physical
activity.
However, vanity as much
as wellness may be a
driving force — and the
search for six-pack abs
does not end after one’s
50th birthday.
The survey also
revealed that 74% of seniors exercise at
least three days a week and 33 % exercise at least five
days a week. Nearly half (46%) have been exercising for more than five
years, demonstrating a long-term commitment to physical activity.
Of those surveyed, half prefer to walk or power walk to get their exercise,
and, if given free time to do any physical activity, 39% say they’d take a
long walk. Nearly half (47%) like to exercise outdoors, while 40% prefer
working out at home and 43% like to exercise alone.

Other key findings of the survey include:

• 17% say they’ve lost weight since becoming
more active; 34% say their body feels better
• 53% say that a lack of interest, motivation
or time prevents them from being more active
• 61% say they started exercising because
they wanted to look or feel good
• Only about 15% said it was because of a
doctor’s warning (5%) or an immediate health
concern (9%)
• Less than 1% said it was because they were
re-entering the dating scene
• 67% exercise today to improve their health
or maintain their fitness/health level
• 44% say their personal belief is what keeps
them going
• Only 7% say it was their children, doctor or
a friend that motivated them
• 22 % say they’d take an adventure vacation, go kayaking or canoeing if
given free time to do something physically active.
14
15
FOCUS ON THE 50’s

What’s in
Store for
Younger
Boomers?
As they edge toward and
through their 50s, younger baby
boomers are experiencing both
tough challenges and new
opportunities. Longer life spans
and a deep desire to remain
relevant and youthful mean that
boomers can look forward to a
variety of lifestyles in their
older years.
At the same time, younger Many baby boomers are exercising more, extending their
boomers may be saddled with life expectancy and forestalling the onset of old age.
commitments to two generations
— their children as well as their aging parents. This reality can place
limits on their resources and freedom. Here is a brief look at some of the
issues facing the youngest boomers as they move into the latter phase of
middle age.

Family matters
Changing family dynamics have also brought up new issues. Since
large numbers of boomers started having families later in life, many still
have children living at home when they approach retirement age and may
also be devoting time and resources to the care of aging parents. In
addition, rising numbers of adults are choosing to move back to their
family homes due to job loss or difficulty securing that first job after
college, meaning a delay in “emptying the nest.” With nests no longer
being empty, scaling down and selling the large family home is being
postponed, along with retirement and other “golden years” activities.

To your health
Boomers are enjoying longer, active life spans and are determined to
forestall the onset of old age. At the same time, studies show that many
younger boomers will experience serious illnesses earlier in life than past
generations and will remain in the work force past retirement age in order
to keep their coverage.

Working retirement
Many young boomers are taking a hard look at semi-retirement. They
envision an active retirement and see it as a new way of working, rather
than a retreat from the world of work. Volunteering is also seen as part
of that active retirement, fulfilling a need to contribute and continue
feeling vital.
16
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17
 Affordable Vacation Ideas
There are countless vacation destinations that offer breathtaking scenery and
comfortable accommodations with endless opportunities to relax and enjoy your well-
deserved time off. Some destinations are not only inexpensive, but are no more than just
a few hours drive, making them truly affordable.
The Great Outdoors
With a wide range of regional, state and national park campgrounds from coast to
coast, camping has always been one of the most affordable ways to stay and play.
• Yosemite National Park, CA - Best known for the massive granite rock formations
Half Dome and El Capitan looking down
over Yosemite Valley. Cumber
la n d F a
• Cumberland Falls State Resort Park, South ll s M o o
nbow
Central Kentucky - It is home to
Cumberland Falls, known as the Niagara of
the South. On occasion, when the
conditions are right, its mist creates a
unique phenomenon known as a
moonbow. Its similar to a rainbow, but it
occurs only at night and only during a full
moon. Well worth the visit just to witness
this magical moonbow, for it happens nowhere else in the
Western Hemisphere.
A Day At The Beach
The United States alone has thousands of miles of coastline, with most of its sandy
beaches open to the public, free of charge and many with affordable lodgings.
• South Padre Island, TX - One of the most
popular beach destinations in the U.S.
, NC
C a r o l i n a Be a c h • Carolina Beach, NC - A seaside town
with beaches that aren’t crowded,
reasonably priced accommodations and
affordable activities.
A Little Romance?
If you’re looking for a quiet and affordable
getaway for just the two of you, consider
some place new and different.
• Lake Quinault, WA - A large lake just a
few hours from Seattle that hosts a rustic,
century-old lodge surrounded by a
temperate rainforest.

• Gatlinburg, TN - A beautiful secluded

destination in the middle of the Great Ga tli nb ur g, TN
Smoky Mountains with walking trails
and a tramway to the mountaintop.

Action and Adventure

Opportunities for affordable adventure
abound, especially if you consider
destinations off the beaten track.
• Big Horn Mountains, WY - Paradise
Guest Ranch hosts horseback riding,
overnight pack trips and rustic
western-style cabins.
18
Before the Need Arises
Part of providing
Living Smart for ourselves and those
we love means planning
Working Smart for the unexpected,
and sometimes the
expected.
Planning J. C. Kirby & Son is
a full-service funeral
Caring chapel serving all faiths
and designed to meet
all funeral aspects.
Consoling We stand ready to
help you understand
Supporting and create a funeral
plan in advance.
Providing
Loving

Kevin & Lynn Kirby

Don’t Wait...
Call Us Today!

832 Broadway 820 Lovers Lane

Bowling Green, KY 42101 Bowling Green, KY 42103

J.C. KIRBY & SON FUNERAL CHAPELS

AND CREMATORY
270-843-3111 • www.jckirbyandson.com
19
 Retirement



Around the Corner?
Just about the time you think life should be less complicated—there’s a
whole new list of milestone ages that require some kind of action.
Yes, I am referring to Social Security and retirement
benefits. If you are approaching age 55, it’s
time to become acquainted with age
related milestones in
regard to the rules and
regulations surrounding
retirement withdrawal
and government benefits.

Here’s a checklist
of basic ages to keep
in mind and the
significance of each.

AGE 55: If you have assets in an

you determine the best time to start
employer-sponsored qualified
taking your benefits.
retirement plan such as a 401(k) and
leave your job (called separation of
AGES 65-67: Here’s where FRA
service), you can take a distribution
—”full retirement age”—comes in. This
without paying the 10 percent penalty
is the age you can begin receiving
for early withdrawal. You will, how-
your full Social Security retirement
ever, pay income taxes on the money.
benefits. FRA ranges from 65-67
depending on the year you were born.
AGE 591⁄2: At this age, you can take
It’s also important to note that if you
distributions from your qualified
delay receiving Social Security beyond
retirement plan or traditional IRA
your FRA, your benefits will continue
without penalty. Once again, you will
to increase until you reach age 70.
pay income taxes on the earnings or
When you want to apply, there’s now
any contributions that were tax
an easy online application at SSA.gov.
deductible. If you have a Roth IRA
and have held it for five years, you
AGE 65: At 65 you’re eligible for
can withdraw these earnings both
Medicare—a very significant milestone
penalty- and tax-free.
considering the high cost of health
insurance and medical care. If you’re
AGE 62: This is the earliest date you
already receiving Social Security,
can begin taking Social Security
you’re automatically enrolled in Parts A
benefits (unless you are disabled).
and B. There’s nothing you need to do.
Just remember that if you do, your
If not, you can apply for both Social
payout will be permanently reduced
Security and Medicare at the same
by approximately 25 percent. (And if
time. However, if you prefer to delay
you’re still working and earn beyond a
Social Security, you can still apply for
certain limit, benefits are further
Medicare alone. Ideally, you should
reduced.) You can apply for Social apply three months before the month
Security when you’re within four you turn 65. Just call or visit your local
months of the first full month that you Social Security office, or call the Social
turn sixty-two years old. Before you Security Administration at 1-800-772-
decide to take Social Security at this 1213. You can’t apply for Medicare
age, consider how much more you online at this point. (Note: You can
could make over time by waiting. The choose to decline Part B coverage,
Social Security website offers a but you may pay a penalty for late
convenient online calculator to help enrollment.)
20
Retirement Around the Corner continued
percent PENALTY! And if you wait
AGE 70: As mentioned above, Social
until that date, you must then take
Security benefits don’t increase beyond
your second RMD by December 31st
this age. So if you haven’t already,
of that same year. So it’s really
you’ll want to begin taking your
important to pay attention to this
benefits now.
deadline. On the plus side, you don’t
have to take an RMD from a 401(k) if
AGE 701⁄2: This is the age when
you’re still working, and never
you’re required to begin taking money
from a Roth IRA. And just for
from tax-advantaged retirement
the record, RMD
plans such as a traditional IRA,
regulations were
401(k), Roth 401(k)
suspended for 2009,
403(b), SEP, SIMPLE
but only for 2009.
or 457 plan. The
Being mindful of
minimum you can
age-related dates
withdraw—your
and deadlines is
Required Minimum
only part of the
Distribution or
picture. You also
RMD—is
need to sit down
determined by a
and review your
formula based on
own financial
life expectancy and
picture—retirement accounts, Social
the amount you have in tax-
Security benefits, other sources of
advantaged accounts. Your tax
income—and create a retirement
professional can help you determine
budget and withdrawal strategy. It’s
your RMD or you can use Schwab’s
not only about missing something, it’s
RMD Calculator. You must take your
about taking every opportunity now to
first RMD by April 1st of the year after
secure your financial future.
you turn 701⁄2 or face a hefty 50
Age related financial data source: Charles Schwab & Co.

21
 Maintaining a Strong,
Intimate Relationship
Maintaining the spark in a years-long relationship has its challenges. Particularly in
this day and age, spouses sometimes only see each other for a few hours a day between
work, meetings, kids and other obligations.
Letting your relationship languish can have dire consequences. The worst-case
scenario might be separation, but even if things don’t go that far, partners can start to
feel alienated, alone and unloved. Problems really start when frustration builds up, but
doesn’t get voiced, and when subjects that are hard to talk about are left unattended.
These issues are only compounded when one partner has a medical problem or health
issues. Dealing with health problems can try even the most patient and loving
relationships, though no one is to blame. To keep your relationship’s flame burning,
consider ways that you can re-connect.

Save the date

Don’t just settle for the few hours a day that you already see each other. Schedule time
when you can spend quality time together and stick to it - no excuses. If you haven’t
been seeing eye-to-eye lately, try doing something that requires input and cooperation
from both partners. Try cooking a healthy, beautiful meal together from scratch - ask
each other to do taste tests, set a candlelit table and linger over the dinner that you’ve
made for (and with) each other. If you’re able to do something more active, consider
canoeing, simulated rock-climbing or renting a tandem bicycle - you’ll literally be your
partner’s backup.

Get away from it all

Take a vacation from it all, but don’t leave the intent to reconnect at home. Go to a place
where you’ll be able to focus on each other, and where you’ll feel comfortable talking
about your relationship. Know what makes you come out of your shell - maybe you feel
more comfortable holding hands on a quiet beach, or maybe you feel a stronger
connection with your partner when you have to work together to find your way through
a new place.

Bring in reinforcements
You might feel alone in losing the spark in your relationship, but that could not be further
from the truth. If you’re suffering from medical problems, look for related support
groups where you can connect with other individuals
and couples who are facing similar issues. They
might have insights that you can benefit
from, and you might just be able to help
someone else. You might also seek out
a couples’ counselor who can help set
you on a path to reconnection, or
consult your doctor
for support.

22
W e’re Y O UR Ticket
to S p o r ts N ew s
•The S tep hen A.S m ith S ho w (M -F 5a m -8a m )
The vetera n S p o rtsra d io a n d TV ho stjo in sthe tea m a sb o th a
d a ily ta lk ho sta n d reg u la r co n trib u to r.S tep hen A.w illta ckle
the n ew s,sp o rtsa n d hea d lin eso f the d a y w ith o p in io n b a sed
p hilo so p hiesw ith in teg ra tio n fro m ca llers,w eb ,texta n d
em a ilview p o in ts.The sho w fea tu resu p clo se a n d p erso n a l
co n versa tio n sw ith the w o rld ’sp rem ier a thletes,celeb rities
a n d n ew sm a kers

•The M o r n in g V.I.P.(S a t 10 a m -N oon )

S ta rtthe w eeken d o ff rig htw ith the M o rn in g V.I.P.Jo in ho sts
BC Tho m a s,S eth Bu rchetta n d K a ra K ey a sthey co ver
everythin g tha tha p p en ed tha tw eek a n d lo o k a hea d to the
w eeken d a hea d .Y o u ’lln ever kn o w w ha tyo u ’re g o in g to hea r
n ext.W ith celeb rity g u estsa n d o ff the w a llco m ed y,the
V.I.P.’sw illm a ke yo u la u g h a sw ella sen lig hten yo u to
w ha t’sg o in g o n in the w o rld o f sp o rtsa n d b eyo n d .

•The D r ive w ith Chr is M yer s (M -F 2pm -5pm )

ChrisM yersa n d fo rm er N FL sta r Brya n Co x b rin g the Fo x
b ra n d a n d a ttitu d e to the ra d io a irw a veso n ‘The Drive’.
The p ro g ra m fea tu resin terview sw ith the b ig g estn a m es
in sp o rts,in sig htfu lexp ertco m m en ta ry a n d fa n rea ctio n
fro m a ro u n d the co u n try.

•The S p o r ts G u ys w ith N o r m H a n ey (M -F 5pm –6 pm )

N o rm Ha n ey en tershissixth yea r a sthe ho sto f The S p o rtsGu ys.W ith a n
ever-evo lvin g ca st,N o rm in tera ctsw ith sp o rts
fig u resfro m a llw a lkso f life.

23
CountryPeddler Focus 50 '10:Layout 1 5/20/10 2:03 PM Page 24

T ru st. H on esty.
Think about it...you wouldn’t let a
Need stranger hold your wallet for you. You
wouldn’t trust your investment portfolio
some extra with someone you don’t know. So why
would you send your valuable gold off to
money? someone and hope they’ll give you an
honest price for it? The Jewelry Barn and
Then sell Pawn Shop has been doing business in
Bowling Green since 1994, always paying
your gold top dollar for your broken and scrap gold,
gold coins, estate and fine jewelry.
for cash! Gold is in high demand right now - so if
you have pieces you’re not wearing
But don’t anymore, bring them to Jewelry Barn
where we’ll give you a fair price - and
sell it to just cash - on the spot!
anybody.
• G old • D iam onds • G em stones
• N ew & E state Jew elry
• Jew elry D esign & R epair

W e have
tw ice the jew elry
at half the
price!

&
Pawn Shop

781-1194
2910 Scottsville Rd Brent Ginter,
(In the Big Barn) Owner