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![]() We all witnessed some interesting “pandemic pickups-to-perk-up”—those hobbies and activities to ease the quarantine’s monotony and isolation. From sourdough starters and macrame to calligraphy, watercolors and ukuleles, people kept themselves occupied. One of the most popular pandemic pastimes was gardening. For some enthusiasts, this was their first time gardening; for others, it was a return to a beloved pastime that had gotten lost in the busy shuffle of life. Garden enthusiasts swamped the online seed catalogs, creating an unexpected spike in demand for seeds. For example, Missouri-based Baker Creek Seeds saw a five- to six-time increase in demand. The company had to bring in human help to stock the seed bags when its seed packaging machines couldn’t keep pace with demand. Those without the luxury of an outdoor garden also partook in the plant hobby. In fact, the Instagram trend for ‘Indoor Garden’ grew 52% between 2019 and 2020. It’s not surprising taking care of plants topped the charts in terms of pandemic hobbies. Scientists have long recognized the therapeutic effects of growing food, plants and flowers—otherwise known as horticultural or plant therapy. Nutrition and food policy expert “When we grow food and flowers, we are engaging with the natural world at a pace that provides a welcome antidote to the stresses of modern life.” Such plant therapy can be a welcome antidote for your loved one, too. Gardening offers ongoing opportunities for mental, physical and social engagement for older adults in particular. Peas and quiet: The therapeutic benefits of gardening on health and well-being The act of caring for plants and flowers improves physical, emotional, social and spiritual well-being, offering several important benefits: Improves physical strength and flexibility Gardening is a holistic exercise solution. The act of taking care of plants incorporates aerobic exercise, strengthens muscles and improves flexibility. One study found that gardening alone can help older adults not only meet but surpass the CDC’s recommendation of at least 30 minutes of physical activity on a majority of days in a week. Increases the quality of life in those with memory-related impairmentsFor seniors with memory-related impairments, research indicates regular time in a garden decreases agitation and improves mood. Time spent around plants also tends to reduce the need for those medications taken on an as-needed basis. Improves mental health Gardening and caring for plants can serve as a malleable coping strategy for stressful life experiences. Its wide spectrum of physical and mental demands allows the gardener to adjust the hobby to their fluctuating needs—ensuring this beneficial hobby “meets” the gardener where they are on that particular day. One study showed that older adults who gardened for exercise felt less stressed than those who engaged in indoor exercise and walking. Enhances social health and well-beingResearch indicates that collaborative gardening can increase self-esteem and self-confidence, while also keeping cognitive, literacy and numerical skills fresh. Gardening also increases overall well-being and helps develop a sense of independence in the senior. Your good seed for the day: How to make gardening accessible to your loved one If you want to help your loved one explore the benefits of gardening, keep in mind some accessibility and safety tips to adjust the hobby for the senior’s ability: Ensure hanging baskets are accessible – Hanging baskets can be difficult to reach, and ladders are dangerous for older adults due to challenges with balance. To solve this dilemma, simply rig the hanging baskets onto pulley systems to allow your senior gardener to lower the basket to an accessible, ergonomic and safe level where they can work with ease. Install easy-open gates and faucets – Arthritis can make turning faucets and opening gates painful and difficult for seniors. To remove this barrier, replace traditional knobs with levers on gates and faucets, making them more accessible. SPONSORED BY ADVERTISING PARTNERSponsored VideoWatch to learn moreSEE MOREInvest in ergonomic tools – Ergonomic gardening tools will make the act of caring for plants more comfortable for your loved one. Pruners with foam, gel or easy-grip handles are gentler on arthritic joints and help prevent hand fatigue. When searching for the right pruners, select a grip that matches the size of your loved one’s hand, and make sure the pruners have a locking mechanism to keep the blades closed when not in use. (It’s best if the lock is nearer to the blades than the grip. This prevents accidental engagement of the safety lock.) Also, weeder tools are exceptionally useful to loosen stubborn roots. However, different weeder tools are appropriate for various conditions, so do your research before heading to the hardware store. For example, the bi-directional blades on the Hula Hoe often eliminate the need to lift the hoe. Plant in raised beds, large pots and planters – Not only are raised beds optimal for outdoor gardens, they’re also easier for seniors to navigate. Large pots and planters also make great substitutes for ground-level planting. Most plants and flowers will grow just as beautifully in a large pot or planter as they would in the ground itself. Build drip irrigation systems – Keeping plants and gardens watered is a hefty task at any age. Consider installing a drip irrigation system in the garden and even the flower pots to relieve your loved one of this difficult task. Eat, drink and be rosemaryGardening or caring for plants and flowers is a joy at any age, but it’s particularly rewarding to seniors, as it provides them with a routine, a sense of purpose, and a chance for social engagement. If your loved one is new to gardening or plant-keeping, our advice is to start simple and grow from there. The sky’s the limit. http://seniorvoiceamerica.org/ http://www.svatampabay.com/ http://www.getsva.com/ 813-693-5511 Fitness After 40...The weight room is callingBy Kate Kane-Joyce
Today's 40 year-plus generations don't feel like they should be slowing down. But even though the mind is willing, the flesh, inevitably, will start to weaken, after a time. While science and infomercials are trying to create (bottle, package and sell you) the Fountain of Youth, you already posses the ability to combat the loss of muscle and strength that can come with age. Lifting weights becomes increasingly more important after 40 because the stress on the body (when exercises are performed properly) yields positive results.
Good news for chocolate loversBy Dr. Melyni Worth Good news for chocolate lovers...scientists at the John Hopkins University School of Medicine say that a few squares of chocolate a day can reduce the risk of a heart attack by almost 50 per cent in some cases. The discovery came after volunteers for a trial on the effects of aspirin were disqualified for eating chocolate, despite being warned that this would interfere with results from the study. (Hey, when the craving strikes, who can resist?) Despite being barred from participating in the drug study, the chocolate-eaters blood was examined and compared with others who hadn't indulged in order to determine what effect cocoa has on platelets. Platelets from those who had eaten chocolate clotted more slowly than those who had not - taking an average of 130 seconds to clump together compared to 123. Professor Diane Becker said: "What these chocolate 'offenders' taught us is that the chemical in cocoa beans has a biochemical effect similar to aspirin in reducing platelet clumping, which can be fatal if a clot forms and blocks a blood vessel, causing a heart attack." She continued: "Eating a little bit of chocolate or having a drink of hot cocoa as part of a regular diet is probably good for personal health, so long as people don't eat too much of it, and too much of the kind with lots of butter and sugar." The full results of the study were presented to the American Heart Association's annual Scientific Sessions in Chicago recently. Is Vitamin D Important?By Dr. Melyni Worth As we head into winter, most of us anyway, let's remember the importance for an increased need for vitamin D in our diets to make up for a shortfall due to the lack of sun exposure. Lack of sun exposure also contributes to the fact that millions of people suffer from Seasonal Affective Disorder (SAD). Vitamin D deficient patients are prone to muscle weakness because vitamin D is important for muscle function. Sometimes patients are misdiagnosed with fibromyalgia. Research at McGill University in Canada, as well as at the University of California and elsewhere has shown that Vitamin D acts as a natural antibiotic and can help boost the bodies natural defense against invading bacteria. Vitamin D has also been shown to be effective in immune system support and important feature as we get into the colds and flu season. People with low Vitamin D levels are more likely to get an opportunistic infection that those with adequate or high vitamin D levels. In fact it has been suggested that one reason so many people get sick during the winter months is due to the low levels of sunlight causing a reduction in the skin synthesis of vitamin D. So winter might be a very good time to increase your intake of Vitamin D. Bustin' Out! Tips on how to get through when the body won't budgeBy Kate Kane-Joyce Oh, the dreaded plateau! If you are trying to achieve fitness and body composition changes, inevitably you will reach a point in your journey everything seems to come to a grinding halt. But fear not! Change can be constant, even for a stubborn metabolism. Here are some ideas on how to keep your engine running, and move on towards your goals. Add exercise/add a diet plan:If you have been doing one of these without the other and are stuck in limbo, now is the time to make a move. Consider this; if you are eating more calories than necessary on a daily basis, it is illogical to think that 30-45 minutes of exercise 3-4 times a week is going to give you optimum results. Likewise, if you are eating healthfully (proper caloric intake for your lifestyle) but asking no more work from your body than necessary, you will burn no more calories. Consulting a nutritionist for an eating/diet plan, or a personal trainer for a workout that works for you is an investment in yourself. Honesty is the best policy:What are you eating, really? Are you really working out as hard as you could? If you are serious about change, have a heart to heart with yourself and ask for the truth. It may mean that you have to eat up a no-cal slice of humble pie, but when you do the things that bring about positive change in your physique, you learn how to bring about well-being, and become a better friend to yourself. And if you decide you don't need the extra 300 calories from your daily latte, you may save a little cash. Bonus! Pack your lunch:When you prepare your own food daily you are able to control the content and quality of nutrients. You know exactly how and what something was cooked in, and you can keep out any unwanted extras, like trans fats. Prepare your meals in large batches and package them in individual-serving plastic containers in your fridge. In the morning when you leave, just take the meals that you need. If you do not cook, learning some basic techniques in the kitchen will prove priceless to your waisteline, and can also impress a date. Water, water, water:It is a myth that drinking water will make you feel more full. It can only make you feel less thirsty. That being said, thirst can be misinterpreted by the brain as hunger. Water is a major player in all of the body's functions, especially the digestion and breakdown of food for fuel. Having optimum levels of H2O in the system keeps things humming. An average person with a moderately active lifestyle should aim to drink 2-3 liters a day. An elite athlete should be drinking close to two gallons. Where do you fit in? Fiber:In addition to a healthful diet, fiber provides the stimulation necessary to keep the intestines and colon clean and functioning. Natural sources of fiber include unprocessed grains and raw or lightly cooked veggies. Besides these, fiber can be found in health food stores in capsule or powder form. A great source of supplemental fiber that has numerous additional health benefits is flax seed oil. Flax seed oil can be found in capsule and liquid form. You can also enjoy the seeds whole or milled. Muscle Move of the Month: The Bent-Over RowBy Kate Kane-Joyce (Before beginning any exercise or diet program, please be sure to consult with your physician.) Select a barbell or dumbbells of a moderate weight. Place your feet in a base position, shoulder-width apart, with a soft, slightly bent knee. Keeping your hips lined up with your heels, hold the barbell or dumbbells over-hand, in front of you, with your arms straight and bend forward from the waist to a 45degree angle. Your lower back should remain flat or slightly arched. Bend your elbows and pull the weight in towards your navel. Strive to feel your back muscles initiate the pull; allow the arms to follow. Pinch your shoulder blades together at the end of the pull. As you lower the weight, keep a slight bend in the elbow, and repeat. Two sets of ten is sufficient for beginners. Tips:
Facts About HyCel ® Nutritional Supplement for Muscle, Arthritis & Joint Pain ReliefBy Dr. Melyni Worth HyCel ® consists of three ingredients each designed to help your joints and skin. Celadrin™: Celadrin is an mixture of esterified essential fatty acids. These special fats will help the cells to rebuild their membranes and be more efficient. This results in a rebuilding of the joint cartilage and improvement in joint flexion and comfort levels. It also has an effect on all the other cells in the body and will result in an improvement in skin texture and feel. Celadrin has been shown in studies at University of Connecticut to improve the activity level and reduce the discomfort associated with osteoarthritis of the knee. Anecdotally the Celadrin helps scars to soften and reduce, even very old scars. Hyaluronic acid: HA is a component of joint fluid, it acts as a lubricant, and a buffer to absorb concussion. It helps to move nutrients in and out of the cartilage lining the joints. HA is also a vital component of the connective tissue in skin. As you age the bodies level of HA drops and so the skin becomes less resilient and elastic and begins to wrinkle and sag. HA is usually injected into skin to improve it's appearance, and is injected into joints to supply 'joint oil' and improve function and reduce discomfort, but now we have available the oral forms which can get to all parts of the body and help the skin all over as well as the joints. Magnesium Chelate: The body requires the mineral magnesium for very many enzyme processes especially in the working muscle and in the skin, magnesium also has an effect to relax the muscles and to improve peripheral circulation, this improvement in blood supply to the limbs and skin results in more nutrients getting to where they are needed! Addition of magnesium to HyCel has a synergistic effect on the HA and the Celadrin. Nutrition facts and news!By Dr. Melyni Worth Did you know that only about 38% of women over age 19 exercise regularly! This is especially concerning when fitness and exercise are critical in the menopausal years. These are times when a woman is at a dramatically increased risk for osteoporosis and fracture, heart disease, and chronic diseases such as diabetes. From age 35 onwards, women lose bone mass at a rate of about 0.75% to 1% per year. Regular exercise may decrease the incidence and severity of hot flashes, which occur in 75% of menopausal women. In one study, aerobic training reduced the severity of hot flashes in 55% of postmenopausal women. Source: Burghardt M. Exercise at Menopause: A Critical Difference. MedGenMed 1(3), 1999. Every patient in the cardiac care unit at the San Filippo Neri Hospital in Rome who survives a heart attack goes home with a prescription for purified fish oil, or omega-3 fatty acids. In a large number of studies, prescription fish oil has been shown to improve survival after heart attacks and to reduce fatal heart rhythms. The American College of Cardiology recently strengthened its position on the medical benefit of fish oil, although some critics say that studies have not defined the magnitude of the effect. A study published last month in The Journal of the American Board of Family Medicine found that only 17 percent of family doctors were likely to prescribe fish oil to their patients, including patients who had suffered a heart attack. In a study conducted on behalf of the Dietary Supplement Education Alliance (DSEA) , researchers reviewed data from the National Institutes for Health (NIH), and the National Health and Nutrition Examination Survey (NHANES), involved data from approximately 7,000 Americans, taken in 1999-2000 and 2001-2002. The aim of the study was to determine whether diabetics who use dietary supplements differ from those who do not in a number of health and behavioral indicators. The data was pooled and the results showed that Use of dietary supplements is significantly associated with reporting oneself to be better health than a year before. While the majority of diabetics (52%) perceive their health as fair or poor, as compared with non diabetics, the majority of whom felt that their health was good to excellent, of the diabetics who took dietary supplements 54% felt that their health was good to excellent. Diabetics who take supplements generally scored higher on the NHANES Healthy Eating Index and were less likely to be heavy alcohol users. Scientific literature showed promising evidence for several nutritional ingredients, including magnesium, omega3 fatty acids and Alpha Lipoic Acid. Among the popular dietary supplements taken by diabetics were chromium, calcium, folate and Omega-3 fatty acids. The full report, A Study of Dietary Supplement use among people with Diabetes, is available online as a .pdf from the DSEA www.supplementinfo.org. Improve your conditioning with...The Muscle Move of the Month!By Kate Kane-Joyce (Before beginning any exercise or diet program, please be sure to consult with your physician.) I. The SquatThe squat is a compound exercise, meaning it involves more than one group of muscles, the quadriceps, hamstrings and glutes. It is one of the "big three" powerlifting exercises (including bench press, and deadlift), but its results are beneficial for even weekend warriors. Because the squat is such a basic movement, you will find that learning to perform it correctly will improve function for every day life, from lifting boxes to climbing stairs. Start with your feet placed shoulder-width apart, with your toes turned slightly outward. Keeping your abdominals pulled in, look up and with back straight, lower your hips down and a little behind you, as if you were sitting in a chair (you may want to extend your arms straight out in front for balance). Stop downward movement when thighs are parallel to the floor. Push up through your heels, being careful to keep your back very straight, chin up. Repeat for two sets of eight to ten repetitions, for beginners. Tips: You may find proper form is more easily achieved by placing a bench behind you. Try to keep a good deal of weight concentrated in the heel of your foot, as opposed to the toe. This will take a degree of stress off of the knee joint and put it into the muscle, where it belongs! POWER FOODSBy Kate Kane-Joyce Include these five super foods in your diet for the biggest nutrition bang per calorie! Broccoli - Prepared steamed, stir-fried(lightly), or raw, broccoli is a vegetable to be revered. Praised by some physicians for anti-carcinogenic properties, it is also a good source of calcium. Beans - Quite possibly a perfect food, beans are high in vegetable protein and fiber, making them a must for vegetarians. Be sure they are thoroughly cooked, as undercooked beans are known to interfere with proper protein absorption. Eggs - Containing all essential amino acids, eggs are convenient, tasty and versatile. Don't want all of the calories of whole eggs? Use two egg whites and two whole eggs to cut calories and keep the flavor. Nuts - As with our other power foods, nuts are best consumed as close to their natural, raw state as healthfully possible. Check the labels of nut butters to ensure that you are only consuming the healthy fats already present in the nuts, without additives. These fats are great for those on an otherwise low-fat diet, when consumed in proper serving sizes. Almonds are especially known for a multitude of health benefits. Sweet Potatoes - Even for the carbohydrate-restricted, the yummy sweet potato is a powerful choice! Containing more fiber than white or baking potatoes, the sweet potato does not cause a violent insulin spike and pairs wonderfully with grilled chicken, baked fish, or just a protein shake. Even during a pandemic, you still need to be treated immediately if you have an emergency. Debating whether or not to risk going to an emergency room during a heart attack, stroke or other health emergency—waiting even a few extra minutes—could be harmful. So if it’s an emergency, don’t wait. For more information: BayCareEmergencyCare.org.
A penny measures 19.5 millimeters in diameter. The opening that doctors at BayCare need to treat most strokes only measures 3 millimeters. Because the procedure is so minimally invasive, patients can recover a lot faster from a stroke and get back to living life as soon as possible. BayCare has 11 hospitals designated as primary stroke centers, whose sole purpose is perfecting small things like this that can make for big recoveries. Our primary stroke centers are located throughout Tampa Bay, so no matter where you live in the four counties we serve, you’re never far from one. For more information or to find the nearest stroke center: BayCareStroke.org. #HumanityAtWork![]() By Mary Gynn Type 2 Diabetes Prevention By Mary Gynn, RN, BSN, MSN/MS, MPH, Diabetes Educator The first step is for all of us to look into our family histories and search for people who have had or now have Type-2 diabetes. Second, we need to ask if we could possibly be carrying the gene. If yes, that’s a huge indicator. Either way, prevention is important for all of us, starting early in life. We shouldn’t wait until we get the diabetes diagnosis. Here are a few interventions: LIFESTYLE MODIFICATION A healthy lifestyle (i.e., a quality diet, avoidance of weight gain, abstinence from smoking, regular physical activity) is associated with a greatly reduced risk for developing Type-2 diabetes. In a Diabetes Prevention Program (DPP) study published by the New England Journal of Medicine in 2002, 3234 subjects with prediabetes were randomly assigned to three groups: 1) a lifestyle intervention with the goal of losing 7 percent of body weight and increasing physical activities to 150 minutes/week), 2) metformin, or (3) a placebo. It was found that, compared to placebo, lifestyle and metformin decreased the development of Type-2 diabetes by 58 and 31 percent, respectively. WEIGHT LOSS There is strong and consistent evidence that obesity management can delay progression from Prediabetes to Type-2 diabetes. The ADA recommends a goal loss of 7 percent of body weight (ADA 2016 Loss of as little as 5-10 percent of body weight can prevent the development of Type-2 diabetes (Portero & Mcclellan, 2014). In the DPP study mentioned above, the strongest predictor of diabetes prevention was weight loss. QUALITY OF DIET The most successful nutritional strategy for the prevention and management of diabetes is one that individuals can adapt and follow permanently. It appears that the quality of the dietary fats and carbohydrates is more crucial than the quantity of the nutrients that are consumed. A quality diet can reduce disease risk by reducing oxidative stress and insulin resistance. In particular, diets rich in fruits, vegetables, legumes, nuts, seeds, fish and naturally high-fiber grains, and lower in refined grains (processed foods), red or processed meats and sugar-sweetened beverages, have been shown to reduce the risk of diabetes (Ley, 2014). Several dietary patterns of quality can be tailored to personal and cultural food preferences with calories adjusted for weight control and diabetes prevention. LOW GLYCEMIC CARBOHYDRATES The glycemic index and glycemic load assess how a carbohydrate influences blood glucose levels (see: www. mendosa.com/gilists.htm). The glycemic load is the most immediate and direct measure of how a serving of food will affect blood sugar. Index and load knowledge has been shown to be beneficial for reducing body weight, total body and visceral fat, levels of inflammatory markers, and the occurrence of high cholesterol and hypertension. QUESTION: What is preventing us from preventing Type-2 diabetes? • Diabetes prevention education is not widely practiced in the U.S. • The majority of those with prediabetes remain undiagnosed or unaware • Few have access to an accredited lifestyle-interven tion provider • Most insurance providers do not cover services for preventing Type-2 diabetes • The deadly, debilitating and costly complications of diabetes do not appear immediately after disease onset. They typically emerge a decade or more later. • The challenge of prevention in the “real world.” While diabetes prevention has been demonstrated in research trials, the success rate appears to be low in the “real world.” Perhaps only a population-based approach to prevention can address a problem of this magnitude, to increase focus on interventions aimed at children and their families and change the fate of our future generations. Mary Gynn, RN and Diabetes Educator, facilitates diabetes education workshops in many Florida areas. Contact mtmgynn@gmail.com. Mary Gynn is an RN, MSN/MS, MPH and Diabetes Educator. Visit http://www.teaching for health.com to learn more. https://www.svatampabay.com/ Teaching For Health Series,
PREDIABETES By Mary Gynn, RN, BSN, MSN/MS, MPH, Diabetes Educator WHAT IS PREDIABETES? Prediabetes is a condition that can lead to Type 2 diabetes and heart disease. When you have prediabe-tes, your blood glucose (sugar) levels are higher than normal, but not high enough to be diagnosed as diabetes. Diabetes can lead to many health problems and chronic complications, so it’s very important to prevent diabetes in the first place. “Prediabetes is a red flag letting you know that you are at high risk for problems,” said Dr. Samuel Klein, of the Washington School of Medicine in St. Louis, Mo. “Approximately 86 million Americans, one in three, are estimated to have a blood glucose level that is higher than normal but not high enough for the diagnosis of diabetes.” Without lifestyle changes to improve health, 15-30 percent of people with pre-diabetes will develop Type 2 diabetes within five years, per the CDC. PRE-DIABETES RISK FACTORS: - HbA1c between 5.7-6.4 percent, per Dr. Ralph DeFronzo of the University of Texas Health Science Center in San Antonio • Age 45 or older • African American, Hispanic / Latino, American Indian, Asian American, or Pacific Islander • Have a parent, brother, or sister with diabetes • Overweight • Physically inactive • High blood pre sure (140/90 Hg or higher) or taking medication for high blood pressure • Low HDL cholesterol (35mg/dL or lower) and/or high triglycerides (higher than 250mg/dL • A woman who had diabetes during pregnancy • Diagnosed with Polycystic Ovary Syndrome (PCOS REVERSING PRE-DIABETES: • Cut back on calories and saturated fat (read labels) • Lose weight • Increase your daily physical activity • Get in touch with a Diabetes Educator who has studied diabetes and can support your life-style changes and work with you on a personal level. They give the time that the doctor does not have. The knowledgeable people in the endocrine “community” can play an important role in keeping you from getting diabetes. If you are overweight, losing 5-10 percent of your total weight is very helpful. So, if you weigh 200 lbs., the goal would be to lose 10-20 pounds. It can be done gradually, and you can avoid getting diagnosed with “full-blown” diabetes. The less there is of your body and body fat, the easier it is for your pancreas’s beta cells to produce insulin. You don’t have to make big changes. Small steps can lead to big results, especially eating less and moving more. Walking at least 30 minutes a day, five days a week and eating less fat and calories can lead to big results. Start counting your calorie intake today. Start each dinner with a salad of leafy greens. Salad provides nutrients and fills you up. Start with switching from regular soda to no-calorie water and eating fewer high-calories foods (read the labels). Start to make the gradual changes to keep diabetes away. Please remember: “Prediabetes is a red flag. Education is key to diabetes prevention.” Mary Gynn, RN, is a certified diabetes educator and facilitates diabetes http://seniorvoiceamerica.org/ http://www.svatampabay.com/ http://www.getsva.com/ 813-693-5511 ![]() Medicare is a federal health insurance program for people 65 years and older. Millions of Baby Boomers enroll in the program each year and depend on it to cover medical expenses. Medicare can be difficult to understand, causing new applicants unexpected and unwelcome confusion and stress. This article will outline the program in clear terms to help Baby Boomers understand exactly what Medicare is. What is Medicare? Established in 1965, Medicare is a U.S. health insurance system that covers most, if not all of the costs of medical care for people aged 65 and older. The program is funded through a 1.45% payroll tax you’ve been paying throughout your working years. Medicare is a benefit you have earned. When you sign up for the program you are enrolled in “Original Medicare.” Original Medicare is defined as a “Fee For Service” health plan that is made up of two central pieces: Hospital Insurance (also known as Medicare Part A) and Medical Insurance (also known as Medicare Part B.) When you enroll in the program, you get Part A and Part B. If you want prescription drugs covered, you’ll need to enroll and pay separately for a Medicare Part D program. These programs are available through an insurance company or other private company approved by Medicare. When you receive medical services, you will be required to pay a deductible. The remaining balance due for the services received is covered through the program but the amount paid will be limited to a Medicare-approved amount. If there is still a remaining balance due, you are responsible to pay it. In reality, Medicare ends up covering approximately 50% of medical expenses incurred by those enrolled in the program. The remaining 50% of health care costs are generally covered by separate private insurance policies and/or through publicly available Part C or Part D Medicare health plans. http://seniorvoiceamerica.org/ http://www.svatampabay.com/ http://www.getsva.com/ 813-693-5511 ![]() A reverse mortgage or Home Equity Conversion Mortgage has helped many seniors face difficult financial problems and live out a happier retirement. Could it be the right solution for you, as well? Here are the top 8 reasons to consider taking out a reverse mortgage in 2021. 1. You have substantial home equity built up. Most homeowners have at least half of their net worth tied up in their homes by the time they are 62. This equity, which is the market value of the home once debts are subtracted, is often a great source of funds to draw from. Usually, you would only be able to access the funds by selling the home, but a reverse mortgage allows you to access said equity while remaining the home’s owner. 2. You worry about your retirement funds running out. The average American life expectancy is increasing, with ages beyond 90 becoming increasingly common. This can be problematic for your retirement savings, especially when considering that the likelihood of needing expensive medical treatment will increase as you age. Few people have the savings to support 25 years of retirement or longer, which is likely for those retiring at age 65, even when Social Security benefits are factored in. This is one of the most common reasons for getting a reverse mortgage. By doing so, the borrowers can enjoy a lengthy retirement without worrying about running out of money for their basic needs or their growing medical expenses. In some cases, they can even retire earlier. 3. You have a bad credit score. One of the great things about equity-based loans is that they do not require a good credit score in order to qualify. Instead, the reverse mortgage relies on the amount of equity that you have in your home. This is because the loan will eventually be paid with that home’s equity, rather than your payments to it. A reverse mortgage allows the borrower to withdraw funds either as a lump sum, annuity, or line of credit. As a line of credit, it could effectively replace any credit card with one that requires no payments and has a lower interest rate. 4. You don’t want to pay your mortgage or other outstanding debts anymore. A popular feature of the reverse mortgage is its lack of monthly payments. Rather than paying off the debt over time, you pay the debt off all at once, usually, once the borrower has moved out of the house or has passed away. This frees the borrower from the hassle of paying that extra bill. What makes this even more beneficial, though, is that you can use the reverse mortgage to pay off other outstanding debts. If you haven’t paid off the original mortgage yet, then doing so is actually required when receiving the reverse mortgage. If you have enough equity to draw from though, then the reverse mortgage can also be used to consolidate or eliminate other debts, as well. In this way, you can reduce the number of bills you have to pay even further. 5. Your family is having financial problems and you want to help. Once the loan is taken out and the first mortgage is paid, the money from the reverse mortgage can be used without restriction. This means that, if you so choose, you could pay for someone’s tuition, fledgling business, debts, a car, or even bail. Whatever the cause of financial hardship may be, a reverse mortgage would likely be able to cover the cost. That being said, consider how much home equity you will be able to draw from. Would it be enough to cover the mortgage, the loan’s ongoing expenses such as property taxes and insurance, and the intended use, such as college tuition? 6. You’d like to downsize but are worried about future expenses. A common alternative to reverse mortgages is downsizing the home. This is done by selling the older house and purchasing a smaller, cheaper one. It can effectively free up some of the larger home’s equity for use without having to take out a loan, in addition to getting a cozier home that is easier to traverse. Sometimes, however, the amount freed up simply isn’t enough to live out a comfortable retirement. This is why some people both downsize the house and take out a reverse mortgage on that smaller home in order to free up the money that was used to purchase it. Some might describe this as getting a house for free, but the same conditions of the reverse mortgage apply. If the loan is not paid off through another means, then the house will have to be sold by whoever inherits the deed. 7. You want to improve the quality of your retirement. Once again, these funds could be used for anything so long as you’ve paid the mortgage. It can pad your retirement funds, allow you to pursue an interesting hobby, or check items off of your bucket list. It can be used to remodel your home, take a vacation, or travel. The proceeds from a reverse mortgage can be used for just about anything you can think of in order to make your retirement a little more enjoyable. If traveling, though, remember to stay in the house for at least six months every year. 8. You can meet the eligibility requirements. All of these benefits rely on the borrower’s ability to meet the eligibility requirements and the ongoing costs. These include being at least 62 years of age, living in the home for a minimum of six months per year, and remaining up-to-date on property taxes, insurance payments, and any homeowners association fees. The loan itself can help with the fees if you set enough aside for that purpose. In addition, a reverse mortgage is only a good idea if the borrower understands and accepts the house being sold after they move or pass away. The reverse mortgage is a rather complex loan with a number of up-front costs, so it usually isn’t worth the trouble if you only wish to take out a small, one-time sum and pay it off quickly. This means that, in all likelihood, you or your heir will have to sell the house to pay the loan back if you move away or pass on. If you list someone as a co-borrower or non-borrowing spouse, then this moment can be delayed until they also move or pass away. As long as you are comfortable with these conditions, a reverse mortgage could be a great option to consider for your financial needs. A reverse mortgage or Home Equity Conversion Mortgage has helped many seniors face difficult financial problems and live out a happier retirement. Could it be the right solution for you, as well? Here are the top 8 reasons to consider taking out a reverse mortgage in 2021. 1. You have substantial home equity built up. Most homeowners have at least half of their net worth tied up in their homes by the time they are 62. This equity, which is the market value of the home once debts are subtracted, is often a great source of funds to draw from. Usually, you would only be able to access the funds by selling the home, but a reverse mortgage allows you to access said equity while remaining the home’s owner. 2. You worry about your retirement funds running out. The average American life expectancy is increasing, with ages beyond 90 becoming increasingly common. This can be problematic for your retirement savings, especially when considering that the likelihood of needing expensive medical treatment will increase as you age. Few people have the savings to support 25 years of retirement or longer, which is likely for those retiring at age 65, even when Social Security benefits are factored in. This is one of the most common reasons for getting a reverse mortgage. By doing so, the borrowers can enjoy a lengthy retirement without worrying about running out of money for their basic needs or their growing medical expenses. In some cases, they can even retire earlier. 3. You have a bad credit score. One of the great things about equity-based loans is that they do not require a good credit score in order to qualify. Instead, the reverse mortgage relies on the amount of equity that you have in your home. This is because the loan will eventually be paid with that home’s equity, rather than your payments to it. A reverse mortgage allows the borrower to withdraw funds either as a lump sum, annuity, or line of credit. As a line of credit, it could effectively replace any credit card with one that requires no payments and has a lower interest rate. 4. You don’t want to pay your mortgage or other outstanding debts anymore. A popular feature of the reverse mortgage is its lack of monthly payments. Rather than paying off the debt over time, you pay the debt off all at once, usually, once the borrower has moved out of the house or has passed away. This frees the borrower from the hassle of paying that extra bill. What makes this even more beneficial, though, is that you can use the reverse mortgage to pay off other outstanding debts. If you haven’t paid off the original mortgage yet, then doing so is actually required when receiving the reverse mortgage. If you have enough equity to draw from though, then the reverse mortgage can also be used to consolidate or eliminate other debts, as well. In this way, you can reduce the number of bills you have to pay even further. 5. Your family is having financial problems and you want to help. Once the loan is taken out and the first mortgage is paid, the money from the reverse mortgage can be used without restriction. This means that, if you so choose, you could pay for someone’s tuition, fledgling business, debts, a car, or even bail. Whatever the cause of financial hardship may be, a reverse mortgage would likely be able to cover the cost. That being said, consider how much home equity you will be able to draw from. Would it be enough to cover the mortgage, the loan’s ongoing expenses such as property taxes and insurance, and the intended use, such as college tuition? 6. You’d like to downsize but are worried about future expenses. A common alternative to reverse mortgages is downsizing the home. This is done by selling the older house and purchasing a smaller, cheaper one. It can effectively free up some of the larger home’s equity for use without having to take out a loan, in addition to getting a cozier home that is easier to traverse. Sometimes, however, the amount freed up simply isn’t enough to live out a comfortable retirement. This is why some people both downsize the house and take out a reverse mortgage on that smaller home in order to free up the money that was used to purchase it. Some might describe this as getting a house for free, but the same conditions of the reverse mortgage apply. If the loan is not paid off through another means, then the house will have to be sold by whoever inherits the deed. 7. You want to improve the quality of your retirement. Once again, these funds could be used for anything so long as you’ve paid the mortgage. It can pad your retirement funds, allow you to pursue an interesting hobby, or check items off of your bucket list. It can be used to remodel your home, take a vacation, or travel. The proceeds from a reverse mortgage can be used for just about anything you can think of in order to make your retirement a little more enjoyable. If traveling, though, remember to stay in the house for at least six months every year. 8. You can meet the eligibility requirements. All of these benefits rely on the borrower’s ability to meet the eligibility requirements and the ongoing costs. These include being at least 62 years of age, living in the home for a minimum of six months per year, and remaining up-to-date on property taxes, insurance payments, and any homeowners association fees. The loan itself can help with the fees if you set enough aside for that purpose. In addition, a reverse mortgage is only a good idea if the borrower understands and accepts the house being sold after they move or pass away. The reverse mortgage is a rather complex loan with a number of up-front costs, so it usually isn’t worth the trouble if you only wish to take out a small, one-time sum and pay it off quickly. This means that, in all likelihood, you or your heir will have to sell the house to pay the loan back if you move away or pass on. If you list someone as a co-borrower or non-borrowing spouse, then this moment can be delayed until they also move or pass away. As long as you are comfortable with these conditions, a reverse mortgage could be a great option to consider for your financial needs. Aging in place is becoming a preferred option for many aging adults in the US. HomeAdvisor published AARP survey results that found that 73-percent of those surveyed said they want to stay in their current residence instead of moving to an institution or nursing home. As boomers start experiencing the unavoidable physical limitations placed on them with advancing years, there are things they can modify or do to ensure their continued home safety.
Home safety tip #1: Remove any items that might get in the way and cause a person to trip and fall. CDC reports that falls account for the most injuries for seniors over 65 years old resulting in about 3 million emergency room visits during 2018. As eyesight falters and reflexes slow down, it is important to prevent accidents. Keeping the floor free from pet toys, books, shoes, rugs that slide and large vases or pieces of furniture that impede walkways is the best way to safeguard against preventable accidents. Aging in place safety tip #2: Modify the bathroom to make it more comfortable and safer for seniors. CDC reports that an alarming 230,000 people are injured in their bathrooms annually. This high-risk area deserves extra attention as boomers determine the best ways to remain safe in their everyday activities. While most of these accidents are the result of falling, there are others concerns to consider too when safeguarding the bathroom. Below are some strategies to consider. Add grab bars next to the toilet and tub. Improve the lighting by using night lights. Install a bathing seat in the shower to prevent overexertion. Add a raised toilet seat. Consider installing a walk-in bathtub if possible. Remove items that might get in the way and cause you to trip. Prevent burns by adjusting hot water temperatures so they are no hotter than 120 F. Home safety tip #3: Take steps to prevent and prepare for a fire. National Fire Protection Association (NFPA) reports that adults over 65 are killed or injured at twice the rate of younger people. That’s why baby boomers should make a concerted effort to add fire detectors and extinguishers to their home. NFPA recommends sleeping on the ground floor level so that it is easy to escape in the event of an emergency. Smoke alarms should be strategically placed in every bedroom. You should always keep a phone in each bedroom in case of an emergency. Consider conducting a fire drill so you and your family know exactly what to do in case of a fire. Check each window and door to be sure you can open it easily. Verify that everyone can hear the alarm. For people who are hearing impaired, it is recommended that a flashing light be used in conjunction with an audible alarm. Home safety tip #4: Keep your home secure from break-ins and uninvited visitors posing as salesman and repairmen. It is important to install deadbolts on all your doors. This modification will keep most burglars from being able to enter. While it is understandable that we all let our hair down at home, it is important to always keep all of your doors locked. If you are in the basement or garage, you don’t want to forget to lock up. You have to assume that people intent on theft or crime will be watching for someone to slip up. Never let a stranger in your home. When waiting for a repairman, be sure to verify with the company’s office the person’s name, car and uniform if applicable. Should a person show up at your front door due to an emergency and ask to use your phone, don’t open the door. Tell them you will make the call for them. Home safety tip #5: Have emergency numbers on hand. It’s always a good idea to have emergency numbers handy so that you can respond quickly in the case of an emergency. Writing them down so that they are available is also a smart move. Some numbers to have on hand are: Poison control Family member or friend Healthcare provider’s office 911 Home safety tip #6: Embrace technology. Technology offers many security gadgets that work well for seniors as they prepare to age in place at home. While the obvious benefits of shopping online and ordering food or groceries via a smartphone are now commonplace, seniors are also reaching out to arm their homes with smart home devices to keep them safe. One gadget that has gotten a lot of attention is the Nest Protect which operates as a carbon monoxide and smoke detector. Instead of knocking you out of bed with a loud alarm, this detector speaks in a human voice alerting you of the danger. It will also provide much-needed details about the location and levels affected. Security cameras have become inexpensive and popular with models being sold for as little as $20. The Wyze Cam v2 camera is a favorite choice. It operates like a baby monitor and allows you to view your entire home. It also allows you a view of your porch which comes in handy when packages are delivered or to verify the identity of who is standing there. No expensive monthly subscription is necessary. The Takeaway Baby boomers recognize the many benefits of staying at home as they grow older. By making a few home modifications, there is no good reason why seniors can’t enjoy their golden years from the safety of their homes. http://seniorvoiceamerica.org/ http://www.svatampabay.com/ http://www.getsva.com/ 813-693-5511 Marian McQuade hoped to establish a national day that would honor grandparents, and in 1970 she began a campaign to do so. McQuade raised awareness about senior citizens throughout the 1970s. In 1978, President Jimmy Carter declared the first Sunday after Labor Day to be National Grandparents Day. Each year, the president issues a proclamation to keep the tradition going. Grandparents Day has both an official flower and song. The official flower is the forget-me-not, and the song is Johnny Prill’s “A Song for Grandma and Grandpa.” Both were chosen by the National Grand-parents Day Council.
Grandparents day activities and gifts Let’s appreciate all the joy and wisdom that grandparents bring to our lives! Many schools celebrate Grandparents Day with special activities or assemblies. Students often invite their grandparents into the schools for a day, and the children find creative ways to celebrate their grand-parents. Some towns will also hold special events for Grandparents Day. Most grandparents don’t care what activity they do they just want to spend time with their grand-children. Maybe ask your grandparents to show you one of their favorite hobbies. Many National Parks hold special Grandparents Day events, and it can be fun to spend time with your grandparents exploring nature. If your grandparent would prefer a calm day, ask them to show you their favorite movie. No matter what, the best Grandparents Day activity involves you and your grandparents together, celebrating your family and each other. Some families get cards or gifts for the grandparents on Grandparents Day. Most grandparents would say that a handwritten card is the perfect gift Here’s how to make a homemade card (with a potato!). By the way, when you receive a gift, here are a few simple tips on how to write a proper thank you note. (We’ll bet your grandparents know this!) Another great gift is simply to take your grandparents somewhere fun. Maybe your grandfather loves baseball, so you can get him tickets to see his favorite team with you. Let your grandparents teach you a skill, like how to fish. Or, perhaps it would be fun to make arts and crafts together. We have a bunch of seasonal crafts to try from making cornhusk dolls to pumpkin spices. Maybe you can bring them some treats, like Grand-pa’s Banana Bread or Grandmother’s Blueberry Cake, both made by talented grandparents. Or, try making one of the dishes that your grandparents usually make for you. On Grandparents Day, it really is the thought that counts—just make sure your grandparents know that you’re thinking of them. What’s your favorite way to celebrate Grandparents Day? ![]() Choosing the right doctor is one of the most important decisions people can make for their health. If you are unsure who to turn to for your general care, experts point out that internal medicine specialists, or internists, specialize in the prevention, diagnosis and treatment of a broad spectrum of illnesses that affect adults through-out their lives, making them the right choice for many adults. Before selecting an internal medicine doctor, it’s helpful to learn a little bit more about their training and specialties. Trained to care for adults, many general internal medicine doctors, or general internists, practice in an office-based setting as primary care physicians for adults, following patients from their teens through their senior years for ongoing medical care. Other general internists spend the majority of their time caring for hospitalized patients in the role of a hospitalist. Due to the broad, intensive nature of core internal medicine training, which requires a three-year residency program after graduating from medical school, general internists aren’t limited to one type of medical problem or organ system, making them especially well-qualified to care for patients with complex conditions or multi-system diseases. “Comprehensive education and training make the internist particularly suited to care for the whole per-son,” says American College of Physicians (ACP) President Dr. Robert M. McLean. “Many patients appreciate the tailored prevention and treatment plans that internists can provide. From the internist’s perspective, we value long-term relationships with patients and working closely with them to pro- vide compassionate, quality care.” While training of general internists does not include pediatrics, obstetrics, or major surgery, patients requiring those services can turn to their general internist for recommendations and referrals. Internal medicine is a wide-ranging field, as many subspecialty areas of medicine require internal medicine training as a foundation, including allergists and immunologists, cardiologists, critical care doctors, endocrinologists, gastroenterologists, geriatricians, hematologists, hepatologists, infectious disease doctors, nephrologists, oncologists, pulmonologists, rheumatologists, and sleep medicine physicians. Training to become an internal medicine subspecialist is both broad and deep, and includes a three-year residency program plus one to three years of fellowship training, depending on the subspecialty. General internists even receive some training in each internal medicine subspecialty during their three-year residency program. To learn more about internal medicine, visit acponline.org, the website of ACP, a membership organization rep-resenting internal medicine doctors, and the largest medical specialty organization in the U.S. “With such in-depth training in the complete care of adults, internal medicine specialists and subspecialists are excellent choices to help patients navigate the increasingly complex world of medical care,” says Dr. McLean, a rheumatologist. “Whether you are healthy or have a chronic illness such as diabetes, cancer or heart disease, an internist can provide comprehensive, coordinated care.” ![]() by Abbie Stutzer Upon this publication, 36 states and four territories allow qualifying patients to use medical marijuana. The drug’s increasing availability paired with decreasing stigma may mean more seniors will consider talking to their doctors about its benefits. After all, research shows that medical marijuana can help people with Alzheimer’s disease, cancer, or severe, chronic pain better manage their symptoms. The first step to obtaining medical marijuana, however, is applying for a medical marijuana card. Although the process may seem daunting, it’s fairly straightforward. The following steps will help seniors learn more about the medical marijuana certification process. 1. Do some researchIf you don’t know a lot about medical marijuana, it’s time to learn the basics. The following are a few medical marijuana research topics to get you started: Is medical marijuana legal in my state? The National Conference of State Legislatures features a map where medical marijuana is legal. What form does marijuana come in? The Mayo Clinic’s Consumer Health Medical Marijuana section reported that medical marijuana comes in many forms, including:
Alzheimer’s disease
Dr. Puja Aggarwal, MD, board-certified neurologist and epileptologist, said most states where medical marijuana is legal have a state registry or website where potential patients can find “approved” medical conditions. If you have a qualifying medical condition, you can start the registration process on your state’s registry website. 3. Find a medical marijuana doctor Take note that not all doctors can help seniors obtain a card. “Most states require additional training such as Continuing Medical Education, courses or lectures to be able to certify patients for medical marijuana,” Dr. Aggarwal said. Most state registries list names of medical marijuana physicians and providers. After locating a medical marijuana doctor, your loved one needs to prepare for their doctor’s visit. You can start by requesting their medical records from their primary care doctor to support their qualifying medical condition. Seniors will most likely need to see their medical marijuana provider in person. However, some states, such as Missouri, allow for certification via telehealth appointments. Dr. Erik Smith, MD, a medical expert at Veriheal – a health care technology company committed to cannabis education – said physician consultations typically take 10 minutes, when the doctor will look over a senior’s medical history and medications. “Once the patient is deemed eligible, the senior is then registered into the state’s medical marijuana/cannabis program,” Smith said. Depending on the state, the registration process requires an application – which a medical marijuana doctor must certify – as well as the submission of required documents and a fee. Cards can typically last one to two years depending on the location where it was acquired. 4. Understand dosing and medication interactions, and visit a dispensary Once a senior gets a card, help them research the various types of marijuana that could help their qualifying condition, along with possible marijuana side effects and potential drug interactions (if the senior is on additional medications). “Seniors should discuss with their physician about what type and strain would be best for them and what dose is best,” Dr. Aggarwal said. “Some seniors may like to vape while others may not. There may be some trial and error to figure out what form, strain and dose work best for seniors.” Dr. Aggarwal noted that medical professionals (a pharmacist, physician, nurse practitioner or physician assistant) work at marijuana dispensaries in some states. These professionals also can help field questions and help a senior with their marijuana purchase and dosing. Seniors can easily find local dispensaries on their state’s medical marijuana registry. “The main benefit to using state-supported dispensary products is using formulations that will allow us to go low and slow for each individual patient,” Smith explained. “All patients are different, and their response to cannabis is unique to them.” Dr. Smith added that some seniors might benefit from a designated caregiver, a person who can help a senior navigate dispensaries and beyond. Most state programs offer caregiver cards that allow the caregiver to assist at dispensaries, facilitate marijuana plant cultivation, and help with other medical marijuana needs. Follow upAlthough obtaining a medical marijuana card is different in each state, the basics of getting certified are similar wherever you live. You can quickly start the process by finding your state’s online registry today. The duration of a medical marijuana card’s validity is dependent on close monitoring by a doctor of the overall effects cannabis may be having on your senior and is subject to change according to the doctor’s recommendation. ![]() Andrew Thriffiley For Immediate Release September 7, 2021 ADDISON BARGER NAMED SOUTHEAST LEAGUE PLAYER OF THE WEEK Two Time Winner of the Award this Season DUNEDIN, FL - Minor League Baseball announced yesterday the Player of the Week winners for the week of August 31- September 5. For the Low-A Southeast League, the Player of the Week award went to the Dunedin Blue Jays Addison Barger for his performance against the Palm Beach Cardinals. In six games played this week, Barger lead the league in RBI (15), 2B (5), XBH (6), and Runs (7). His 15 RBI also led Minor League Baseball. The highlight of his total came on Saturday, September 4th when he hit a grand slam for his 15th home run of the year. Barger currently has a .246 AVG with 70 RBI, .806 OPS, and 36 XBH. The Tampa, Florida native joins former teammate Orelvis Martinez and Jordan Walker (St. Louis Cardinals) as the only players to win multiple Player of the Week awards this season. Addison Barger’s win became the sixth time a Dunedin Blue Jay won Player of the Week this season. This total is a franchise record for Player of the Week honors as Orevlis Martinez, Naswell Paulino, and Trent Palmer also earned the award this year. - Dunedin Blue Jays - ![]() Here's how the Biden administration should do more to support it ! September 7, 2021, 4:59 pm By Lesli Gooch Last week, the Biden Administration rolled out a major initiative to take immediate, tangible steps to increase the supply of affordable housing. The Manufactured Housing Institute (MHI) is encouraged that two important components of this package are steps to boost the supply of manufactured homes and a commitment to work with local governments to reduce exclusionary zoning. We also hope that broad initiatives in the plan, such as down payment assistance, rehab and retrofit of existing homes, and the Federal Financing Bank will be focused on this market segment. More than 22 million people have chosen manufactured housing because of its affordability and value. Manufactured homes are often available at lower monthly payments than other rental options. The median household income of manufactured home residents is $30,000 per year, which is less than half of the median household income of an owner of a single-family home. Last year, manufactured homes accounted for almost 10% of new single-family home starts. According to a 2020 HUD report, “Factory-built housing has undergone many physical changes that have made it more similar to, and in many ways indistinguishable from, conventional site-built housing…Quality improvements in construction and installation practices have increased durability so that the life expectancy of factory-built housing increasingly is comparable to that of site-built or onsite housing.” MHI looks forward to implementation of last week’s initiative — and has some suggestions on how to build on those efforts. First is financing. Last week’s announcement commended the Federal Housing Finance Agency (FHFA) for recently authorizing Fannie Mae and Freddie Mac to purchase loans for single-section manufactured homes. But there is more that FHFA — and the GSEs — can do. Fannie Mae and Freddie Mac have a statutory “Duty to Serve” (DTS) manufactured housing and are both developing their DTS plans for the next three years. Unfortunately, their preliminary DTS plans actually call for a decrease in loan purchases of real estate manufactured homes. These plans should be revised to increase purchase of such loans — consistent with last week’s announcement. Also, since chattel loans (home-only manufactured homes) make up 75% of new manufactured homes, it is critical that Fannie and Freddie DTS plans have a strong chattel loan component. Their key objective should be to establish a flow program where all chattel loans that meet minimum underwriting requirements can be purchased by Fannie and Freddie, along with a program for efficient securitization of those loans The Federal Housing Administration (FHA) also has a big role to play. Fannie and Freddie have led on revising appraisal standards for Title 2 CrossMod homes, which offer amenities comparable to site-built homes. FHA should follow suit and do the same. FHA also needs to rejuvenate the Title 1 chattel loan program, which only financed 33 homes last year — through actions like raising loan limits to keep pace with inflation, updating the origination fee cap, and aligning policies more with the Title 2 program. A second area of opportunity is zoning. Last week’s announcement made it a priority to explore federal levers to partner with local governments to reduce exclusionary zoning. As MHI has documented with dozens of examples in recent comment letters, NIMBYism with respect to manufactured homes is unfortunately alive and well in many local communities. The Department of Housing and Urban Development (HUD) has an important role here. All manufactured home residents enjoy the benefits of strong national uniform HUD construction and safety standards — the HUD CODE — which governs new manufactured homes. A 2000 law created what is called preemption or supremacy, which states that when HUD manufactured housing construction and safety standards are in effect, a locality does not have authority to establish different standards. The statute requires this provision to be “broadly and liberally construed.” Therefore, HUD can and should use this tool to push back against local zoning that inappropriately seeks to keep out manufactured homes. HUD can also promote its affordable housing agenda by accelerating the approval of updates to HUD Code standards approved by the Manufactured Home Consensus Committee (MHCC), a nonpartisan panel of experts charged with this task. Too often, HUD approval of these updates has languished. A third area of focus should be regulatory policies. Of particular concern is a proposed rule currently out for comment by the Department of Energy (DOE). As drafted, the rule would impose new energy standards that do not take into account the special characteristics of manufactured homes and would raise the cost of a new manufactured home by thousands of dollars, despite a statutory requirement for a cost-benefit analysis. MHI will be submitting comments on how to modify that proposed rule to further energy efficiency, but without undermining last week’s administration announcement to boost housing affordability. Finally, MHI awaits Congressional action on the Budget Resolution which authorizes hundreds of billions of dollars for affordable housing in a Phase 2 Infrastructure bill. Just as the administration did last week, we hope Congress will use this opportunity to include sensible policies to promote our most affordable homeownership option — manufactured housing. Lesli Gooch is the CEO of the Manufactured Housing Institute (MHI). This column does not necessarily reflect the opinion of HousingWire’s editorial department and its owners. To contact the author of this story: Lesli Gooch at mhigov@mfghome.org To contact the editor responsible for this story: Sarah Wheeler at swheeler@housingwire.com First is financing. Last week’s announcement commended the Federal Housing Finance Agency (FHFA) for recently authorizing Fannie Mae and Freddie Mac to purchase loans for single-section manufactured homes. But there is more that FHFA — and the GSEs — can do. Fannie Mae and Freddie Mac have a statutory “Duty to Serve” (DTS) manufactured housing and are both developing their DTS plans for the next three years. Unfortunately, their preliminary DTS plans actually call for a decrease in loan purchases of real estate manufactured homes. These plans should be revised to increase purchase of such loans — consistent with last week’s announcement. Also, since chattel loans (home-only manufactured homes) make up 75% of new manufactured homes, it is critical that Fannie and Freddie DTS plans have a strong chattel loan component. Their key objective should be to establish a flow program where all chattel loans that meet minimum underwriting requirements can be purchased by Fannie and Freddie, along with a program for efficient securitization of those loans The Federal Housing Administration (FHA) also has a big role to play. Fannie and Freddie have led on revising appraisal standards for Title 2 CrossMod homes, which offer amenities comparable to site-built homes. FHA should follow suit and do the same. FHA also needs to rejuvenate the Title 1 chattel loan program, which only financed 33 homes last year — through actions like raising loan limits to keep pace with inflation, updating the origination fee cap, and aligning policies more with the Title 2 program. A second area of opportunity is zoning. Last week’s announcement made it a priority to explore federal levers to partner with local governments to reduce exclusionary zoning. As MHI has documented with dozens of examples in recent comment letters, NIMBYism with respect to manufactured homes is unfortunately alive and well in many local communities. The Department of Housing and Urban Development (HUD) has an important role here. All manufactured home residents enjoy the benefits of strong national uniform HUD construction and safety standards — the HUD CODE — which governs new manufactured homes. A 2000 law created what is called preemption or supremacy, which states that when HUD manufactured housing construction and safety standards are in effect, a locality does not have authority to establish different standards. The statute requires this provision to be “broadly and liberally construed.” Therefore, HUD can and should use this tool to push back against local zoning that inappropriately seeks to keep out manufactured homes. HUD can also promote its affordable housing agenda by accelerating the approval of updates to HUD Code standards approved by the Manufactured Home Consensus Committee (MHCC), a nonpartisan panel of experts charged with this task. Too often, HUD approval of these updates has languished. A third area of focus should be regulatory policies. Of particular concern is a proposed rule currently out for comment by the Department of Energy (DOE). As drafted, the rule would impose new energy standards that do not take into account the special characteristics of manufactured homes and would raise the cost of a new manufactured home by thousands of dollars, despite a statutory requirement for a cost-benefit analysis. MHI will be submitting comments on how to modify that proposed rule to further energy efficiency, but without undermining last week’s administration announcement to boost housing affordability. Finally, MHI awaits Congressional action on the Budget Resolution which authorizes hundreds of billions of dollars for affordable housing in a Phase 2 Infrastructure bill. Just as the administration did last week, we hope Congress will use this opportunity to include sensible policies to promote our most affordable homeownership option — manufactured housing. Lesli Gooch is the CEO of the Manufactured Housing Institute (MHI). This column does not necessarily reflect the opinion of HousingWire’s editorial department and its owners. To contact the author of this story: Lesli Gooch at mhigov@mfghome.org To contact the editor responsible for this story: Sarah Wheeler at swheeler@housingwire.com ![]() Dunedin is one of the oldest cities on the Florida Gulf coast. It was settled in the late 1860s and was originally named Jonesboro after the owner of the general store. The name was changed in 1878 to Dunedin by two Scotsmen who came to the area. Allen Morris in his book "Florida Place Names" suggests the name comes from two words: "Dun", which is a term for "town", and "Edin" a form of the name of Edana, an Irish saint that many churches in Scotland were named after. The capital of Scotland is Edinburgh, a name derived form these Gaelic terms. The Orange Belt Railway came through Dunedin in 1888. It was the first railroad in the area that connected central Florida to St. Petersburg. A large dock was built to handle ocean going sailing ships and Dunedin became an important port by the end of the 1800s and into the 1900s. The town prospered during this era and many fine homes were built. It was incorporated as the City of Dunedin in 1925. DUNEDIN, FLORIDA | HONEYMOON ISLANDThe Dunedin History Museum has preserved the interesting history of Honeymoon Island. Today the island is one of the most popular beaches in the Dunedin area, and is the site of Honeymoon Island State Park. In the 1930s Clinton Washburn owned the island that was then named Hog Island because it contained a hog farm. He and his wife created the idea of a contest to publicize the island. They changed the name to Honeymoon Island and had a contest where newlyweds would write them a letter telling why they wanted to visit Honeymoon Island. Washburn built small wooden bungalows with palm thatched roofs directly on the beach. Winners of the contest were given free vacation stays in the bungalows. This promotion was very popular until World War Two began in 1941. It introduced the Dunedin area to an entirely new generation. A unique attraction in Dunedin is its waterfront. It is one of the few cities in Florida where the waterfront is not completely hidden from view by high rise buildings. More than one mile of Edgewater Drive along the shoreline has a clear view of the Intracoastal Waterway, Caladesi Island, Honeymoon Island, and the Gulf of Mexico beyond. This stretch of road also has a pedestrian and cyclist pathway along the water. The Dunedin Marina is one of the nicest in Florida. It is owned by the City of Dunedin. Dunedin has a strict sign ordinance that gives it a clean uncluttered look. You also don't see any franchise fast food restaurants or big box retail stores in this city. You will find several microbreweries, however, including Dunedin Brewery, the oldest such brewery in Florida. The downtown area is very walkable. You can park your car and enjoy shopping, dining, and sightseeing. There is also a trolley you can catch that will show you not only Dunedin, but Clearwater, Clearwater Beach, Sand Key, Dunedin, Palm Harbor, and Tarpon Springs. The original Orange Belt Railway bed was abandoned and was converted into what is now the Pinellas Trail. This is a 39 mile long pedestrian and bicycle route that runs from Tarpon Springs to St. Petersburg. Beaches are an important feature of Dunedin. There are beautiful beaches along Dunedin Causeway, on Honeymoon Island, and at Caladesi Island State Park. DUNEDIN, FLORIDA AND MAJOR LEAGUE BASEBALLDunedin has been the spring training center for the Toronto Blue Jays baseball team since it came into the league. The first game the Blue Jays ever played was in 1977 when they beat the New York Mets 3-1 in Dunedin. They are the only major league baseball team to train in one place this long. They train and play in TD Ballpark, a stadium that seats 8,500 people. Dunedin has done a good job of preserving many of its historic homes and buildings. Andrews Memorial Chapel is an example of this effort. It was originally built in 1888 and moved to its present location at the entrance to Hammock Park in 1970. After renovation supervised by the Dunedin Historical Society, the building was added to the National Register of Historic Places. Three other Dunedin locations are on the National Register of Historic Places: Blatchley House, Dunedin Isles Golf Club, and the J.O. Douglas House at 209 Scotland Street built in 1880. ![]() August 29, 2021, 1:41PM By MeTV Staff R.I.P. Ed Asner, TV legend, star of The Mary Tyler Moore Show and Lou GrantHe held the record for the most Emmy awards of any male performer and shaped Chicago's improv scene. He was 91. Ed Asner, the entertainment icon known by millions as Lou Grant of The Mary Tyler Moore Show and its successful spinoff, Lou Grant, passed peacefully in his home on Sunday, August 29, 2021. He was 91 years old. "You've got spunk." That's what Asner as Lou Grant tells Mary Richards when she walks into his office to interview for a job that he's already filled on the first episode of The Mary Tyler Moore Show. "I hate spunk," he says, when Mary foolishly takes the comment for a good thing. Of course, he hires Mary anyway, for a job he "wanted a man for," and that began one of TV history's best workplace friendships of all time. But before he met Mary Tyler Moore in a sitcom that would shape the landscape of TV, he was already making changes in Chicago's entertainment industry that would last for decades. Chicago has a legendary improv comedy scene that has produced many of today's top comedians. Asner was one of the first performers to come from what would become the Second City. After serving in the military, Asner joined the Playwrights Theatre Club. The group eventually turned into the Compass Players, which later morphed into The Second City. While Lou Grant was skeptical about hiring Mary, it was Mary Tyler Moore who would hand-pick Asner for the role that would rocket him into TV legends. "I read as I thought they wanted to hear me read, and they laughed and said the appropriate 'Thank you, we’ll be in touch,'" Asner said. "From what I heard, after I left, Mary turned to them and, with a tremendously screwed-up face, said, 'Are you sure?' I don’t blame her for asking the question that way, because it was a meshuggeneh reading. The producers then said to her, 'That’s your Lou Grant.'" Asner would go on to have the rare honor of being the only actor to win a comedy and drama Primetime Emmy as the same role, which he picked up as Lou Grant. Furthermore, he would become the most awarded male performer in Emmy history with seven wins, five of them being for his role as Grant. Younger generations might know Asner better as his emotional voice acting role of Carl Fredricksen in the Oscar-winning animaed movie, Up. Additionally, he joined the ranks of holiday movie classics when he appeared as Santa Claus in the 2003 Will Ferrell movie, Elf. This was only one of five times he donned the red suit; he also wore it on an episode of Highway to Heaven (1986), The Story of Santa Claus (1996), Olive, the Other Reindeer (1999), and The Ellen Show (2001). In 2001, he was awarded the Screen Actors Guild Lifetime Acheivement Award. His legacy will live on with The Ed Asner Family Center, launched in 2017 by Asner’s son, Matt Asner, and daughter-in-law Navah Paskowitz Asner. The center provides counseling services, support groups, enrichment programs and camps to special needs individuals and their families. Read to Me Listen Now Ed Asner, the entertainment icon known by millions as Lou Grant of The Mary Tyler Moore Show and its successful spinoff, Lou Grant, passed peacefully in his home on Sunday, August 29, 2021. He was 91 years old. "You've got spunk." That's what Asner as Lou Grant tells Mary Richards when she walks into his office to interview for a job that he's already filled on the first episode of The Mary Tyler Moore Show. "I hate spunk," he says, when Mary foolishly takes the comment for a good thing. Of course, he hires Mary anyway, for a job he "wanted a man for," and that began one of TV history's best workplace friendships of all time. But before he met Mary Tyler Moore in a sitcom that would shape the landscape of TV, he was already making changes in Chicago's entertainment industry that would last for decades. Chicago has a legendary improv comedy scene that has produced many of today's top comedians. Asner was one of the first performers to come from what would become the Second City. After serving in the military, Asner joined the Playwrights Theatre Club. The group eventually turned into the Compass Players, which later morphed into The Second City. While Lou Grant was skeptical about hiring Mary, it was Mary Tyler Moore who would hand-pick Asner for the role that would rocket him into TV legends. "I read as I thought they wanted to hear me read, and they laughed and said the appropriate 'Thank you, we’ll be in touch,'" Asner said. "From what I heard, after I left, Mary turned to them and, with a tremendously screwed-up face, said, 'Are you sure?' I don’t blame her for asking the question that way, because it was a meshuggeneh reading. The producers then said to her, 'That’s your Lou Grant.'" Asner would go on to have the rare honor of being the only actor to win a comedy and drama Primetime Emmy as the same role, which he picked up as Lou Grant. Furthermore, he would become the most awarded male performer in Emmy history with seven wins, five of them being for his role as Grant. Younger generations might know Asner better as his emotional voice acting role of Carl Fredricksen in the Oscar-winning animaed movie, Up. Additionally, he joined the ranks of holiday movie classics when he appeared as Santa Claus in the 2003 Will Ferrell movie, Elf. This was only one of five times he donned the red suit; he also wore it on an episode of Highway to Heaven (1986), The Story of Santa Claus (1996), Olive, the Other Reindeer (1999), and The Ellen Show (2001). In 2001, he was awarded the Screen Actors Guild Lifetime Acheivement Award. His legacy will live on with The Ed Asner Family Center, launched in 2017 by Asner’s son, Matt Asner, and daughter-in-law Navah Paskowitz Asner. The center provides counseling services, support groups, enrichment programs and camps to special needs individuals and their families. |
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