Everyone needs to be aware of the financial resources they will have available in retirement. But if you’re a woman, you must be particularly diligent, for a variety of reasons. And that means you’ll need to know just what to expect from Social Security. Why should you, as a woman, pay extra attention to Social Security? For one thing, women often take time off from their careers to care for children and older parents, so they may accumulate less money in employer-sponsored retirement accounts, such as 401(k) plans. And women still live several years longer than men, according to the Census

Bureau. Clearly, then, you need to get the most you can from Social Security. To do so, you will need to consider at least three key factors:1) Age — You can start taking retirement benefits as early as 62, but your benefits may be reduced by up to 30% unless you wait until your “full retirement age,” which is likely 66 or 67. If you delay taking benefits until 70, your monthly benefits may be up to a third larger than if you started collecting Social Security at your full retirement age. You’ll need to weigh a variety of factors — such as family longevity, income from...

Women and Social Securit y

Cape Cod of the Midwest By Tod DeHart

Continued on page 11

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LIKE TO TRAVEL?

Every living thing needs water. It is essential to life, but what is water? A drop of water is composed of millions of molecules. Each molecule contains one oxygen atom and two hydrogen atoms, which bind together to form water. Water is very unique because it can change forms depending on the temperature from a liquid to a gas to a solid. Water is the most important substance in the human body. Approximately 70% of your body weight is water. Your blood is almost all water and a large part of your skin, bones, muscles and brain are

made up of water. Every system in your body needs and utilizes water to work efficiently. For example, if you do not have enough water in your blood stream your blood will thicken causing your blood pressure to increase as your heart works harder to circulate your blood. Dehydration causes your muscles to fatigue quickly and can even cause muscle cramps. An inadequate amount of water causes your body to constantly be borrowing water from its’ different body systems (cardiovascular, digestive, musculature, etc.) making all of them function at less than capacity.

By Jeff Ponte

By Beckie Jacobsmeyer

LIKE TO TRAVEL?Don’t Miss Directions Tours

exclusive Explore Section!

AUGUST 2014FREE EDITION www.activelifestylesmag.com

SILVERspacePages 12-13

Estate PlanningMetroPage 14

Healthy Eats & Lemonade

WELLNESSPages 3-6

Aging Effects On Skin

FINANCEPage 11

Social Security

EXPLOREPages 7-10

Exciting Tours & Day Trips!TRAVEL SHOW

See Back Cover!

St. Louis’ only metrowide magazine

ACTIVE LIFESTYLES MAGAZINE767 Gravois Road - Suite AFenton, Missouri 63026(314) 591-3011

Water, the Elixir of Life

There’s a place up north that many traverse to every year, a special place where cool breezes blow and the pace of life moves slower… a place known as “the Cape Cod of the Midwest”. This is Door County! Located in Wisconsin’s peninsula along Lake Michigan and Green Bay, Door County offers beautiful scenery, boasts great eats, lodging and attractions, and delivers a relaxing atmosphere all its own. I have had the great opportunity to be visiting Door County for the past 19 years on tours from St. Louis. Door County begins on the south end of the peninsula, just north of Green Bay. Sturgeon Bay, the county’s largest community, is a great place to start our touring of the county.

I highly recommend the Door County Historical Society’s Museum which is dedicated to keeping history alive for future generations through the collection, preservation and sharing of the heritage of Door County. The museum provides visitors a look into what makes this place so unique. Moving northward on the peninsula you will enter and leave many small fishing villages doting the shorelines of Green Bay and Lake Michigan. Places with names like Sister Bay, Fish Creek and Egg Harbor. In between the villages enjoy the countryside with numerous farms, markets, antique shops and wineries. One of my favorite places to stop is at Orchard Country Market and Winery near Fish Creek. Since 1955, the Lautenbach family has been planting, harvesting and producing quality fruit products in Door County. Situated on over 100 acres of blossoming orchards and lush vineyards, the family estate is home to a a winery, cider mill and farm market. It is also home to some of the best fresh cherries you can buy.

Speaking of Cherries, they are a Door County specialty. The county’s weather, temperatures and fertile soils provide the right mixture to grow some of the country’s most delicious and juiciest cherries I have ever eaten. It is also here at Orchard Country you can board the fun Door County Trolley. These special “Old Time” Trolleys tour the breathtaking vistas from Door County’s scenic bluffs overlooking the islands.

about us

2 ∙ ACTIVE LIFESTYLES MAGAZINE ∙ AUGUST 2014 ∙ www.activelifestylesmag.com Let Us Hear From You!

UPCOMING EVENTS AND HAPPENINGSMOONLIGHT RAMBLE

AUGUST 9, 2014 - BUSCH STADIUMFor 50 years, cyclists have filled the streets of St. Louis on the Saturday night in

August closest to the full moon. Organizers brag that the Moonlight Ramble is the world’s original nighttime bicycle ride. The ride begins just after midnight with plenty

of family-friendly activities before and after. Registration is $40 for premier riders, $25 for adults and $10 for children. Proceeds benefit Cardinals Care and the Gateway

Council of Hostelling International. www.moonlightramble.com

BIRDS IN CONCERTAUGUST 7, 14, 21, 28, 2014

The World Bird Sanctuary in Valley Park hosts a unique free concert series on Thursday nights in August. Each concert begins with children’s music from the

Sanctuary’s in-house band, “The Raptor Project” while birds fly just overhead. Then, local favorites like Javier Mendoza, Fowl Play and others take the stage.

www. worldbirdsanctuary.org

DOWNTOWN ST. LOUIS RESTAURANT WEEKAUGUST 11 - 17, 2014

The restaurants of downtown St. Louis extend a special invitation to dine with them this month. Twenty downtown establishments are offering three-course meals for $25 a person during Downtown Restaurant Week. Some of the area’s most popular restaurants are participating. You don’t need coupons or tickets, but reservations

are highly recommended.

FESTIVAL OF NATIONS @ TOWER GROVEAUGUST 23-24, 2014

The Festival of Nations is your chance to experience the beauty of dozens of differ-ent world cultures without leaving St. Louis. The two day event is filled with food,

music and entertainment from around the globe. There are more than 30 food booths featuring favorite dishes from Bosnia, Brazil, Ethiopia and more. Shoppers will find

items like Indian saris, Mexican glassware and Israeli jewelry, just to name just a few. Admission is free and a free shuttle service is also available.

FESTIVAL OF THE LITTLE HILLS - ST. CHARLESAUGUST 15-17, 2014

Called one of the best craft fairs in the St. Louis area. Historic Main Street and Frontier Park are filled with booths selling everything from jewelry and art, to kids’ clothes and holiday decorations. More than 300 vendors from 30 states set up shop

during the three day event. Live music, kids’ activities and great food!

Hello, Everyone!Only one month left of our “official summer” and I do not want it to end…heat and all! I love attending farmers’ markets and the outdoor concerts! I hope you are enjoying all that St. Louis and our surrounding towns have to offer for fun and entertainment. We are so fortunate that we have such a wide variety of things to do and places to go nearby.

This issue is chock full of information on social security, estate terms, hikes and benefit walks, dance classes and why you should drink more water (and lemonade!). All sorts of information that will keep you busy for the rest of the month! Please consider joining the Walk to End Alzheimer’s this September (see page 5)!

If you picked this issue up in one of our more than 600 drop locations, and would like to receive upcoming issues in your mailbox, please call or email me at: activeliftstylesmag@gmail.com 314-591-3011.

I love to hear from you - Happy Reading!!

PublisherDIRECTIONS Saint Louis, LLC

Magazine Editor:Pat Adams

Travel Editor:Tod D. DeHart & Anne Weibert

Travel / Cuisine Editor:Anne Weibert

Contributing Writers:Mark D. Easley

Judy ErlsonJanet Houseman

Beckie JacobsmeyerKatie Mae

Kevin O’DonnellJeff Ponte

Kolleen SimonAndrea Sims

Account Manager:Megan Glass

Office Manager:Carrie Pruitt

ACTIVE LIFESTYLES MAGAZINE767 Gravois Road - Suite A

Fenton (St. Louis), MO 63026314-591-3011 [phone]

636-326-6036 [fax]activelifestylesmag@gmail.com [email]

www.activelifestylesmag.comThe views expressed in Active Lifestyles Magazine are those of the authors named, and are not necessarily those of Active Lifestyles Magazine, DIRECTIONS Saint Louis, LLC, or any of its employees. All materials supplied to the magazine are at the owner’s risk. While we try to ensure that the information we provide is correct, mistakes do occur and we cannot guarantee the accuracy of our material. If you do notice any mistakes then please let us know.The design of the printed newspaper and of the website are copyright of Active Lifestyles Magazine and DIRECTIONS Saint Louis, LLC. Material from the magazine may not be reproduced without prior permission. Photographic rights remain the property of this publication. Your privacy will be protected at all times, and addresses / email addresses supplied to us will never be shared with a third partyWe do maintain the right not to publish advertisements, articles, classifieds or comments or to remove or edit them without notice.

© Copyright 2014. Active Lifestyles Magazine published by Directions Saint Louis, LLC, St. Louis, MO All Rights Reserved.

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3 ∙ ACTIVE LIFESTYLES MAGAZINE ∙ AUGUST 2014 ∙ www.activelifestylesmag.com Get Outside And Excercise!

wellnessLooking for something fun to do and get some exercise while you are doing it? Try

going on a hike. The St Louis area has so many places to walk and hike that I thought I would start featuring a few trails you might want to try out. Each month I

will post 2 trails, one that is easy and a more difficult trail. Let me know if you would like to include one of your favorite trails. Take a picture of you hiking and I will post

the photo! Easy—Bee Tree Park TrailsLocated in South County off of Telegraph and Becker Roads, 2701 Finestown Rd, 63129There are 5 different trails—all of them relatively easy to traverse. All the trails are short with the longest trail .8 mile. What is nice about these trails – the beautiful view of the Mississippi River. The park is known for its spring wildflowers. This is a great place to commune with nature and listen to the many birds that call Bee Tree home.

Difficult –Round House Trail Loop, Rockwoods RangeLocated off Fox Creek Road in west St Louis County. Interstate 44 to Six Flags/Allenton Road exit 261, north to the first stop light, west to Fox Creek Rd and 2 miles to the parking lot.4 mile hike on a natural, often muddy in spots terrain.This is another trail that is great for observing wildlife and bird watching. Use a lot of repellent on this trail as it gets buggier the deeper you go into the woods and bring your water!It is rugged with rises from 600 to 750 feet elevation.

Have fun hiking and send your photos and your favorite trails to: activelifestylesmag@gmail.comor mail it to 767 A Gravois Road, Fenton, MO 63026.

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wellnessRELIEF FROM ARTHRITIS

by Janet Houseman, LMT

by Kevin McDonnell, PhDTrinkets Tea and Me, a teashop in downtown Kirkwood, located at 217 S. Kirkwood Rd. between Spencer’s Grill and Imo’s, has expanded to nearly 100 premium loose leaf teas in 2014. As always, the teas are at the lowest prices in the St. Louis area. These organic teas offer numerous health benefits. This month, let’s discuss the health benefits of White Tea which is higher in antioxidants than both Black and Green Teas. The Antioxidants in White Tea may protect the body from free radicals that harm DNA and accelerate the aging process. White Tea has a type of antioxidants called Catechins which may lower the bad LDL cholesterol while elevating the good HDL cholesterol. These Catechins are also thought to stimulate fat burning to assist to weight loss. White Tea has also been shown to be both antiviral and antibacterial. Several research studies have shown a correlation between drinking White Tea and lowering the risk of colon, prostate and stomach cancer. White Tea is thought to lower blood pressure, help protect the heart, and slightly thin the blood. A study showed that men who drank 2 cups or more of White Tea were 50% less likely to die after

suffering a heart attack. White Tea is made from young tea leaves and has a high concentration of Theanine which is known to have relaxing properties. However , White Tea is also thought to increase the metabolism. Finally, White Tea may help prevent tooth decay by destroying bacteria in the mouth along with containing a small amount of fluoride to protect the teeth. Trinkets Tea and Me offers over 10 White Teas, some Award Winning. We always suggest that you do your own review of research and claims, discuss the information with your physician, and draw your own conclusions on the health benefits of various Teas. However, note that research studies are likely to use the Best Premium Teas. So, don’t “shortchange” yourself. Buy Premium Teas and save money at the same time. Come to Trinkets Tea and Me, an alternative to the “Overpriced High Pressure Mall Store”. Enjoy a relaxing pressure free atmosphere where you can discuss Teas, pay the best prices in town, and maybe hear a song from Tina, the St. Louis “singing Tea lady”.

CALL US OR COME ON BY! (314) 712-9321

AUGUST TEA TALKWhite Teas

If you have been diagnosed with arthritis you may be interested to know that research shows that massage therapy will assist in relieving your pain and stiffness. To be clear, there are two types of arthritis that are quite different from each other in definition, but have similar painful patterns. People with osteoarthritis suffer from joint inflammation due to wear and tear which causes damage to cartilage. It occurs as the body ages or at the site of prior injury, and can cause so much discomfort as to prevent active adults from participating in sports, exercise or even every day activities such as walking. The second type called rheumatoid arthritis is an autoimmune disease affecting women three times more than men, although children and adolescents can also be affected. This condition causes inflammation of tissues outside the muscles and bones. It is usually detected/diagnosed in adults between the ages of 20-40 and the condition is much improved if the calming effects of massage are included in the overall treatment. An excellent research report featured in Massage Today by Robin B. Anderson promotes massage as part of an overall recovery plan. The data states that joint mobility and

relief from pain were achieved with the inclusion of massage as part of the systematic approach to improving function of painful joints and reduction of medication. As long as the client is not in an acute stage where joints are inflamed, massage therapy should be part of the wellness plan. An experienced massage therapist will use Swedish, Myofascial, Lymph Drainage and Trigger Point therapies to encourage the affected muscles around painful joints to release, thus increasing range of motion and remove swelling. Considering that thirty-three to ninety percent of people over the age of 65 have aches and pains from bony deformations in knees, hips, and the joints in the fingers, massage therapy should be a part of an overall plan to restore health and prevent future flare-ups. Massage can relieve pain, reduce inflammation and possibly reduce the amount of medication needed. A weekly massage appointment will help you to achieve relief from pain, increased mobility, and function along with better sleep. To be able to move without intense pain and enjoy daily activities with a full range of motion into mature years enhances the enjoyment of life. If you are

experiencing stiff, inflamed and painful joints call us at Creekside Massage and talk about what we can do to improve the quality of your life so you can resume the activities that you love.

For More Infomation please contact Janet and Maggie at

(636) 220-8036 or online at www.creeksidemassagestl.com

4 ∙ ACTIVE LIFESTYLES MAGAZINE ∙ AUGUST 2014 ∙ www.activelifestylesmag.com Be Good To Yourself!

5 ∙ ACTIVE LIFESTYLES MAGAZINE ∙ AUGUST 2014 ∙ www.activelifestylesmag.com Live Happy - Live Healthy!

wellnessEVERYONE HAS A REASON TO END ALZHEIMER’S

This year marks the 25th Anniversary of the Alzheimer’s Association St. Louis Chapter Walk to End Alzheimer’s. Come walk with us! Start a team or join a team. With your help, we can provide support services for local families battling the disease and advance research to help reclaim the future for millions. Every 67 seconds, someone in the United States develops Alzheimer’s disease. As the sixth leading cause of death, it is the only disease among the top ten in the United States that cannot be cured, prevented, or even slowed. Now is the time to fight back against this devastating disease.

The Walk to End Alzheimer’s is the world’s largest event to raise awareness and funds for Alzheimer’s care, support, and research. The Walk unites the entire St. Louis community — family, friends, co-workers, social and religious groups and more --- in a display of combined strength and dedication in the fight against this devastating disease. It is an opportunity to raise awareness about the disease and to learn more about our nation’s sixth leading cause of death. The Alzheimer’s Association St. Louis Chapter is hosting six walks throughout September in

its region. Registration is free and can be done online in advance or on the day of the event. Alzheimer’s is this century’s epidemic and the time to take action is now! Find a Walk to End Alzheimer’s near you today!

Visit www.alz.org/stl/walk or call the 24/7 Helpline at 800.272.3900 to learn more

information or to start or join a team. Everyone has a reason to end Alzheimer’s. Walk with us!

Kolleen’s orner

Welcome to the new Kolleen’s Korner! Kolleen L. Simons, MSW, LCSW is a Licensed Clinical Social worker who has been providing counseling services for over 15 years to

children and adults. She is the owner and Clinical Supervisor of The Right Solution Counseling Services in Eureka, Missouri. Each month she will answer questions from

readers concerning life issues and helpful tips on coping with parenting. Questions can be submitted directly to Kolleen at

info@rightsolutioncounseling.com.All questions will be kept confidential and no identifying information will be included.

Dear Kolleen,

I am really worried about my friend. She has been acting really different lately – spending a lot of time alone and looking sad. I am worried that she could be depressed. How would you know if someone was depressed? Signed, Worried friend

Dear Worried friend,

This is an excellent question. Sounds like you are a great friend! The most important thing you can do for your friend is to be there and provide support and encouragement. Also, remember don’t pass judgment or argue that they have nothing to be sad about. Depression can be hard to define and even harder to understand. Everyone occasionally feels blue or sad. But these feelings are usually short-lived and pass within a couple of days. When you have depression, it interferes with daily life and causes pain for both you and those who care about you. Depres-sion is a common but serious illness.People with depressive illnesses do not all experience the same symptoms. The severity, frequency, and duration of symptoms vary depending on the individual and his or her particular illness.Signs and symptoms include:

• Persistent sad, anxious, or “empty” feelings • Feelings of hopelessness or pessimism • Feelings of guilt, worthlessness, orhelplessness • Irritability, restlessness • Loss of interest in activities or hobbies once pleasurable • Fatigue and decreased energy• Difficulty concentrating, remembering details, and making decisions • Insomnia, early-morning wakefulness, or excessive sleeping• Overeating, or appetite loss • Thoughts of suicide, suicide attempts • Aches or pains, headaches, cramps, or digestive problems

that do not ease even with treatment.Depression can look different in each person. If you or someone you know is experiencing symptoms of depression it is recommended that they contact their physician and/or a licensed mental health professional. For more information on depression or other mental health disorders – http://www.psychiatry.org/mental-health . Wishing you balance and health,

KolleenSend me what’s on your mind, and until next month, happy and healthy living!

For more information about counseling services contact us at 314-374-1620 or online at www.rightsolutioncounseling.comDo you have a question for Kolleen? Send your questions – all information will be kept confidential – to info@rightsolutioncounseling.comInformation contained in “Kolleen’s Korner” is for informational purposes only and should not be used in place of obtaining medical advice.

The views expressed in Active Lifestyles Magazine are those of the authors named, and are not necessarily those of Active Lifestyles Magazine, DIRECTIONS Saint Louis, LLC, or any of its employees. All materials supplied to the magazine are at the owner’s risk. While

wellnessAGING EFFECTS ON YOUR SKIN

by Andrea Sims - Rodan & Fields Consultant I’ve been writing for months about our skin as we age. The changes that take place as we lose collagen and our lines and wrinkles become more prominent, the increased dryness and in some cases the development of rosacea. It’s not just our skin where we see changes. In this article I’ll highlight the effects of hormones and how they have power over every cell in our bodies, and nowhere is that power more visible than in our skin.

Cellulite What is it? Cellulite is a deposit of fat that pushes against the connective tissue just below the surface of the skin, causing skin to look dimply and puckered like an orange peel or cottage cheese. It’s not specifically related to being overweight. In fact, many thin women battle these troublesome dimples. While estrogen appears to initiate the development of cellulite, other hormones including insulin, cortisol, and thyroid may play a role. What can you do? Unfortunately, there isn’t a lot you can do to truly combat cellulite. Weight loss and exercise are some recommendations. Cellulite is less noticeable with darker skin. I recommend you use Rodan + Fields sunless-tanning foam as a safe and effective way to reduce the appearance

of dimples and create flawless tan.The MidYears, or Perimeniopause:

When hormones Start toLet Us Down

The physical changes that occur during our late forties and through our fifties can be very disconcerting, to say the least. Men are attracted to us when our skin is flawless, our cheeks are soft and round and our lips are shaped like rosebuds. Dwindling hormone levels, coupled with cumulative sun damage, further cause our skin to get blotchy and thinner. What’s more our skeleton starts to shrink and our hair turns gray. We literally start to vanish. Since we are no longer calling it quits at sixty-five, you need to stay in the game throughout our lives. It’s then of utmost importance to continue to take care of our skin as many of us are finding ourselves in new relationships in our seventies. Your skin can be beautiful when it’s nurtured, well cared for, and protected from the sun. Rodan + Fields Redefine Regimen minimizes fine lines and wrinkles, pore size and increases firmness. Leaving you looking younger than your years.

Estrogen – The Good,The Bad, The …

Estrogen, which defines our beautiful, feminine characteristics, is also

responsible for some of the physical challenges that women experience more than men. Estrogen stimulates localized fat deposits especially around the abdomen, thighs, back, and buttocks. And unfortunately we gain fat in our waistline. On the thighs, fat doesn’t just settle, it presses through collagen fibers in the skin, helping cellulite to blossom even on skinny bodies. Remember, using a sunless tanning foam will help reduce the appearance of dimples.

Fat, Collagen andElastin Reduction

It is emotionally and physically deflating to experience the reduction in skin’s structural components as we age. In our forties and fifties, skin starts to wrinkle, droop, and sag seemingly overnight. Lack of hormones and cumulative sun damage result in net loss of collagen and elastin fibers. In other words, fewer of these supporting tissues are being made to replace what is being broken down. For example, an astounding 30% of skin collagen is lost in the first five years after menopause. Additionally, like a deflated balloon, the redistribution of fat from the face to the fanny accounts for some of the most profound changes in the aging face.

So what can be done? Rodan + Fields Redefine Regimen, and Amp MD Roller is a comprehensive skincare regimen that layers cosmetic ingredients and proven peptide technology to help defend against and reduce the visible signs of aging for noticeably firmer, smoother, flawless-looking skin. The products stimulate collagen and elastin production giving Father Time a time out. The AMP MD Micro-Exfoliating Roller utilizes micro-exfoliation to improve the tone and texture of the complexion as skin responds to the contact of the micro-needle tips. When used nightly with the REDEFINE Regimen and Night Renewing Serum, the result is firmer, younger-looking skin.

Andrea Sims is an Independent Consultant with Rodan + Fields. Her skin care columns are found exclusively in Active Lifestyles Magazine each month. Please contact her for additional information on products addressing fine lines and wrinkles, sun damage and age spots, rosacea and acne. All products have a 60 day money back guarantee if you are not 100% satisfied. Please call 720-260-8206 for a free consultation or email andrea.sims@comcast.net

6 ∙ ACTIVE LIFESTYLES MAGAZINE ∙ AUGUST 2014 ∙ www.activelifestylesmag.com Be Good To Yourself And Drink Plenty Of Water!

You are very dehydrated if the amount of water in your body drops by as little as one percent. A loss of five percent of the water in your body causes your skin to shrink, an inability to move your muscles properly and difficulty in thinking clearly. Humans can only survive a few days without water. Humans need to take in at least two quarts of water a day. Half that amount should come from water and other liquids we drink. Milk, for example, is 87% water. Another third comes from our food. A raw potato is 90% water and a tomato is 95%. The remaining water is created by our own body. As the cells of your body use food to produce energy their by-pro-duct is water. On a beautiful 65 degree day with low humidity the average person expends about 64 ounces of water by urinating, breathing, and sweating. You will need much more water if you live in hot, humid or cold climates. Hiking in the mountain’s higher altitudes will also increase the amount of water you will need. Exercising in indoor pools where the water temperature

is 84 degrees or higher and the air temperature is in the 80’s is another place where more water is needed. Another time you need more water is when you are sick with a cold or flu, especially if you are running a fever. Many people do not drink until they feel thirsty. This is a bad habit to get into because when you are thirsty you are already dehydrated. Mild dehydration can cause health conditions such as lethargy and constipation because the body will siphon the water from the colon. Other dehydration symptoms are loss of appetite, minor headaches, dizziness and general lack of mental clarity. A pregnant woman who is dehydrated can go into premature labor. According to the Mayo Clinic there is even evidence that drinking adequate amounts of water can prevent health conditions such as kidney stones and colon cancer. You need approximately 64 ounces of water for your body to function efficiently. If you would like to know exactly how much water your body needs you can figure this by dividing your body weight by two. This will give you the number of ounces of water you need a day. Space your water consumption evenly throughout the day. A good way to know that you are getting the water you need is by using a water bottle or keeping a pitcher of water in the refrigerator. If drinking this amount of water is new for you start out slowly increasing your intake by eight ounces each day. This will help your body adjust and you will spend less time in the bathroom. Exercisers should drink an extra eight ounces of water for every hour of exercise they do. The American Dietetic Association

recommends at least two cups of water two hours before exercising, followed by another two cups of water 15 to 20 minutes before endurance exercise activities (anything for more than 60 minutes). During exercise drink every 15 to 20 minutes. Water is recommended instead of sports drinks during exercise unless you are going to be exercising for longer than one hour or in extreme conditions. Plain old water is the best choice. You can add some flavor to your water by adding a slice of lemon or lime or a sprig of mint. Sports drinks and flavored water often have hidden calories and ingredients we don’t need such as sodium. The typical American diet contains too much sodium. Other beverages to avoid are caffeinated, such as, coffee, tea, soda, and alcoholic drinks because they are diuretics and increase fluid loss. In fact, you should drink a glass of water for each cup of these beverages you drink. Decaffeinated beverages are better than caffeinated but some of these are decaffeinated by using sodium, which raises their sodium content. Are you trying to lose weight or maintain your current weight? Drinking water is the single most important catalyst in losing weight and keeping it off! Water has no calories and helps the stomach to feel full. Drink a glass of water 20 minutes before eating and you won’t eat as much because the stomach already perceives that it is full. Water also helps the body metabolize stored fat. Studies have shown that a decrease in water intake will cause an increase in fat deposits, while an increase in water intake can actually reduce fat deposits. The kidneys flush waste from

the blood stream such as excess sodium and minerals. If the kidneys don’t get enough water to function properly some of their workload is given to the liver. The liver’s primary function is to metabolize stored fat into useable energy for the body. If the liver has to do some of the kidney’s work it can’t operate at full capacity. As a result, it metabolizes less fat, which means more fat remains stored in the body. Most senior citizens are dehydrated because they lose the sensation of thirst as they age. I wonder how many symptoms we think are part of old age that could simply be the body trying to exist on an inadequate amount of water. High blood pressure, bladder infections, constipation, slower thought process and reaction time, and short term memory loss to name just a few. It would be interesting to see some studies done on this. Want to look your best, get rid of those fine lines, pimples and dry skin? Drink your water! Water plumps the skin and leaves it clear, healthy, and resilient. Remember water is essential for a healthy, active, happy body! Give your body what it needs! Raise that water bottle and take a toast to a healthier you!

Beckie Jacobsmeyer is a fitness instructor and personal trainer certified with AFAA, A.E.A. and A-PAI and works at the Pointe At Ballwin Commons Community

Center. She has helped people get healthier and more physically fit for 24 years. You can contact her

at (314)803-0494 or bye-mail rjbnjz@earthlink.net

Continued from cover (Water)...

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7 ∙ ACTIVE LIFESTYLES MAGAZINE ∙ AUGUST 2014 ∙ email: activelifestylesmag@gmail.com DIRECTIONS TOURS EXPLORE SECTION

Continued from cover (Door County)...

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featuring upcoming destinations!

Call Us! (314) 577-0077

They also provide a driving tour through Peninsula State Park and have a photo stop at the historic Eagle Bluff lighthouse, one of Door County’s 12 historic lighthouses. Your local guide onboard shares the legend and lore unique to each area. Next, a stop in the quaint village of Fish Creek is a must. This is my personal favorite village on the peninsula. Located at the north entrance to the state park, Fish Creek has cozy inns, great restaurants and cafés, and a beach overlooking the calm shores of the bay. Northward in Sister Bay, take some time to browse the local shops as well as visit Al Johnson’s - an authentic Swedish restaurant and boutique where you can find goats grazing the sod roof! It is quite a sight, and has made this place one of Door County’s most photographed buildings. Another must “to do” while in Door County is enjoying a traditional Fish Boil! Many restaurants advertise this fun and amusing feast/event each evening. The meal consists of fresh caught Lake Michigan whitefish cut into small chunks and cooked in boiling water with red potatoes onions. Cooked outdoors along the shores and lawns in big kettles on a roaring fire, the cooks will eventually use a can of kerosene to erupt the fire below and create a “boil over” of the unwanted fats and impurities in the kettle. This leaves only the purest

and tastiest ingredients behind for your enjoyment. An experience and feast not to be missed! Join me and DIRECTIONS Tours in late August as we once again set our sails north to Door County! DOOR COUNTY & HOUSE ON

THE ROCK TOURAugust 25-30, 2014

Call for a full itinerary.(314) 577-0077

A traditional Door County Fish Boil (on right)

(314) 577-0077toll-free (888) 810-1171

www.directionstours.com

explore

CALL: (314) 577-0077

www.directionstours.com

The Great Western Park tour is a feast for all senses! This tour features the beauty of South Dakota and Wyoming. South Dakota is known for more types of rock formations and sediments than anywhere else in the continental USA. Early afternoon will bring us to South Dakota’s Famous Corn Palace in Mitchell, SD. Covered in western murals completely made out of corn, this unique and one-of-a-kind attraction is a must see. This evening will find us just a little further west in Chamberlain, SD with a stay at the famous “Al’s Oasis” on the Missouri River. To the west finds us in the unique Badlands National Park. Created by the erosion of the earth’s surface everyday, The Badland’s terrain carves out an incredible sandcastle-like valley… absolutely stunning! We will finish our visit of the Badlands at the famous Wall Drug Store.

Westward we arrive at majestic Black Hills. Born out of convulsions within the earth’s crust, shaped by wind and water, South Dakota’s Black Hills have witnessed the drama of the West unfold-from the struggles of the Lakota Sioux to the rush of gold fever-stricken miners, to the battles of conservationist looking to preserve these natural wonders for future generations. Now

we will explore the Black Hills just as our pioneers did years ago. Enjoy touring Mount Rushmore, Keystone, and Crazy Horse Monument. Pushing into Wyoming we will travel Sitting Bull Pass and the Ten Sleep Canyon. This spectacular scenery is breathtaking as we work our way through the canyon!

We now have arrived at Yellowstone National Park - America’s first National Park, established in 1872 by pioneer Ferdinand Vandiveer Hayden. Located along the upper Rocky Mountain range in the northwest corner of Wyoming, Yellowstone is one of America’s most remote National Parks. Surrounded by dense forest and mountain ranges, beautiful lakes, canyons, rivers and mountain ranges and features some of the world’s most dynamic natural features. The park was the first of its kind in our country, and is known for its wildlife and geothermal features. More than two million acres, or 3,000 square miles, stretch over the surface area that is known as Yellowstone. The park is so diverse and large that the park is literally divided into many climate and natural zones. The most famous area is known as the Yellowstone Caldera. Half of the world’s geothermal features are in this area of Yellowstone. Fueled

by an ongoing underground volcano, lava flows and rocks from volcanic eruptions cover most of the land area of Yellowstone. It is one of the largest remaining ecosystems on our planet. The caldera area features some of the most impressive geysers and hot springs in the park. The most famous geyser in the park, and perhaps in the world, is Old Faithful Geyser. Although not the largest or most powerful geyser in the park, Old Faithful is just that... “faithful” and dependable. Park Rangers have been able to estimate Old Faithful’s eruptions for over 100 years. Today, crowds line the boardwalk around Old Faithful for the geyser’s “show” approximately every 90 minutes. The largest geyser is located just west of Old Faithful, known as Steamboat Geyser in the Norris Geyser Basin. There are over 300 geysers in Yellowstone and a total of at least 10,000 geothermal features throughout the park. Amazingly over two-thirds of the world’s geysers are located in Yellowstone! Hundreds of species of mammals, birds, fish and reptiles make Yellowstone their home, including several that are either endangered or threatened. Many found only in this region of North America. Grizzly and Black bears, wolves, and free-ranging herds of bison and elk are native to Yellowstone. Visitors often encounter many of the parks wildlife. Driving through the park offers views of many herds of animals as well as an occasional bear sighting as well.

One of the park’s biggest focal points is Lake Yellowstone. Located in the center of Yellowstone and flowing into the majestic Yellowstone River to the south, the lake compromises more than 100 miles of shoreline. Yellowstone Lake is the largest body of water in Yellowstone National Park and is the largest freshwater lake above 7,000 feet. Many Geysers, fumaroles and hot springs are found alongside and even in the lake making some spectacular scenery! Just south of Yellowstone we will explore The Grand Tetons National Park. The Tetons are some of the most photographed mountains in the world due to their drastic elevation and no foothills. At the base of the Tetons we will enjoy an

incredible boat cruise on Jenny Lake. While in the Tetons we will enjoy our overnights in Jackson Hole. Many shops and boutiques offer great western collectables. If you are more adventurous, we will be offering a guided float trip down the Snake River for wildlife sightings. One evening we will be entertained by the cowboys and cowgirls at the famous Jackson Hole BAR J Chuck Wagon Dinner Show. Don’t Miss Out! This tour is one of our most popular every year with an incredible price that cannot be beat!

GREAT WESTERN PARKS

SEPTEMBER 1 - 12, 2014 (12 Days)$ 1947.00 pp DBL Singles Only $350.00 addtl

SAME PRICE AS 2012

Tour Highlights include:• YELLOWSTONE NATIONAL PARK TOUR • OLD FAITHFUL GEYSER

• BADLANDS NATIONAL PARK TOUR AND VISITORS CENTER• GRAND TETONS NATIONAL PARK TOUR AND VISITORS CENTER

• THE BLACK HILLS AND KEYSTONE, SOUTH DAKOTA• MOUNT RUSHMORE NATIONAL MONUMENT AND MUSEUM

• CRAZY HORSE MONUMENT• WALL, SOUTH DAKOTA / FAMOUS WALL DRUG STORE• COWBOY RANCH CHUCKWAGON DINNER AND SHOW

• SOUTH DAKOTA’S CORN PALACE• BIG TEN SLEEP CANYON OF WYOMING (ONE OF AMERICA’S MOST SCENIC DRIVES)

• FAMOUS AL’S OASIS OVERLOOKING THE MISSOURI RIVER• YELLOWSTONE LAKE AND WEST YELLOWSTONE, MONTANA

• TETON LAKE BOAT CRUISE & OPTIONAL SNAKE RIVER RAFTING*20 MEALS: 11 BREAKFAST, 9 DINNERS

CALL: (314) 577-0077

GREAT WESTERN PARKS

9 ∙ ACTIVE LIFESTYLES MAGAZINE ∙ AUGUST 2014 ∙ www.activelifestylesmag.com DIRECTIONS TOURS EXPLORE SECTION

www.directionstours.com

your tour vacation starts here! Call Us! (314) 577-0077

explore

CARDS IN CINCINNATI

SEPTEMBER 8 - 10, 2014 (3 Days)$ 537.00 pp DBL SINGLES SAME PRICE

Tour Highlights include:• TWO PREMIUM CARDINALS/REDS GAMES IN CINCINNATI

• TOUR OF CINCINNATI • GREAT AMERICAN BALLPARK• TWO NIGHTS ACCOMMODATIONS IN CINCINNATI

• TOUR OF CINCINNATI MUSIC HALL • SIGHTSEEING AND SHOPPING• WILLIAM HOWARD TAFT NATIONAL HISTORIC SITE

• RIVERBOAT DINNER CRUISE• HISTORIC FINDLAY MARKET

* 3 MEALS INCLUDED: 2 BREAKFASTS, 1 DINNERTICKETS AND SPACE IS LIMITED - CALL TODAY TO RESERVE YOUR SPOT

New England & Nova Scotia Autumn Cruise

OCTOBER 18 - 25, 2014 (8 Days)Cruise Package just $ 1987.00 pp DBL

Tour Highlights include:PRINCESS CRUISE’S BRAND NEW ROYAL PRINCESS! SAILING ROUNDTRIP FROM THE

EXCITING PORT OF NYC HARBOR! EXPERIENCE NEW ENGLAND AND NOVA SCOTIA FROM LANDAND SEA. INSIDE AND BALCONY STATEROOMS AVAILABLE FOR OUR GROUP!

BEAUTIFUL PORTS OF CALL:• NEWPORT, R.I. • ST. JOHN, New Bruswick • HALIFAX, Nova Scotia• BAR HARBOR, ME • BOSTON, MA • NEW YORK CITY (Roundtrip)

Inclusive Cruise Package: 8 days just $1987.00 PP DBL (inside category)Cruise includes Roundtrip Nonstop Airfare, all taxes, port charges, all onboard meals,

a special group cocktail party, group airport transfers to/from ship, all paper work/documents and check-in procedures, and Tour Director gratuities.Extend your stay in NYC on return for a night (ask for more info!)

We take care of everything!!!SPACE IS FILLING FAST - SO CALL EARLY TO RESERVE!

SAIL AWAY IN STYLE AND ENJOY THE BEAUTIFUL AUTUMN COLOROF NEW ENGLAND AND NOVA SCOTIA ON THIS INCREDIBLE CRUISE TOUR.

www.hellodirections.com

10 ∙ ACTIVE LIFESTYLES MAGAZINE ∙ AUGUST 2014 ∙ www.activelifestylesmag.com DIRECTIONS TOURS EXPLORE SECTION

exploreDAYTRIPS

FROM ST. LOUIS... GET ONBOARD!Join DIRECTIONS Tours on a fun, relaxing, and educational Day Trip. Pick-up locations are availablethroughout Metro St. Louis!

BARNS, BBQ AND BASEBALL - AUGUST 14, 2014 - $74.00Come on out and enjoy the fun this day as we visit the unique Oma’s Barn in St. Charles County and a delicious dinner at Hendrick’s BBQ. Afterwards we will enjoy a fun game of baseball at T.R. Hughes Stadium watching the River City Rascals.

THE GATLIN BROTHERS - OCTOBER 19, 2014 - $99.00The Meramec Music Theatre welcomes one of Country Music’s most beloved groups - The Gatlin Brothers! Enjoy lunch prior

to the showin Cuba, MO.

CITY STREETS & MARKETS - OCTOBER 25, 2014 - $61.00Enjoy this Saturday with us as we explore some of

St. Louis’ largest markets and cool districts. We will visit historic Soulard Market, Tower Grove Farmer’s Market, Cherokee Street & Antique Row and a stop at Gus’ Pretzels. A picnic lunch is also included.

AUTUMN COUNTRY ROADS & FARMS - OCTOBER 8, 2014 - $87.00

This fun tour will lead us west along Missouri’s country roads in Gasconade County. Enjoy a delicious farm style lunch at Kline’s Restaurant in Rosebud, MO. Tour of Cool Cow Cheese Farmstead and Where Pigs Fly Farm & Pigs Aloft Museum.

Y’all come along!

Call DIRECTIONS Tours (314) 577-0077

TRAVEL SHOWSJOIN DIRECTIONS Tours FOR A

COMPLIMENTARY TRAVEL SHOW! A GREAT WAY TO MEET THE STAFF AND ENJOY A TRAVELOGUE PRESENTATION ON

OUR UPCOMING AUTUMN & HOLIDAY2014 & 2015 TOURS!

RESERVATIONS ARE REQUIRED - SPACE IS LIMITED - PLEASE JUST GIVE US A CALL

TO PUT YOUR NAME ON THE LIST- - - - - -

SOUTH ST. LOUIS METROFriday, AUG. 29, 2014 2:30 p.m.

at Affton White-Rodgers Community Center,9801 Mackenzie Road, St. Louis, MO 63123

ST. CHARLES / WESTPLEX Friday, AUG. 15, 2014 12:00 p.m.

at Best Western St. Charles 5th Street,1425 S 5th St, St Charles, MO 63301

(314) 577-0077

finance

11 ∙ ACTIVE LIFESTYLES MAGAZINE ∙ AUGUST 2014 ∙ email: activelifestylesmag@gmail.com Helping You Save Money!

www.edwardjones.com

Member SIPCIRT-7557-A

Learn about your Social Security options and the effect they have on your overall retirement income strategy. Call or visit today.

Will You Get the Most from YourSocial Security Benefits?Deciding when to take your Social Security benefits is one of the most important retirement-related decisions you’ll ever make. It will likely be an essential component of your retirement income strategy, so it’s important to understand what factors will determine your benefit amount. Your informed decisions on timing, spousal benefits and other factors can make a significant difference on the lifetime benefits you receive.

Jeff PonteFinancial Advisor.

14278 Ladue RoadChesterfield, MO 63017314-469-1696

Margie Bittner, CFP®,AAMS®Financial Advisor.

425 S Woods Mill Rd Suite 222Town & Country, MO 63017314-317-9324

If you’re 62 or older, a home equity conversion mortgage may help strengthen your finances and provide options in retirement. For details, visit us online or call a representative today.

MAKE RETIREMENT EVERYTHING YOU

WANT IT TO BE.

NMLS ID #490091. Co NMLS ID #1319. www.nmlsconsumeraccess.org. 100 Chesterfield Business Pkwy, Second Floor, Suite 247, Chesterfield, MO 63005. ©2014 Generation Mortgage Company. All rights reserved.

Gail Hawkins I Reverse Mortgage ProfessionalCall 1.800.601-0785

www.nu62.com/GailHawkins

Continued from cover (Social Security)...

employer-sponsored retirement plans and your anticipated financial— in determining when you should start taking Social Security. 2) Employment — If you work while receiving Social Security benefits before you reach full retirement age, your benefits will be reduced by $1 for every $2 you earn over an annual limit, which generally increases each year. In the year you reach full retirement age, your benefits will be reduced by $1 for every $3 you earn over the limit before your birthday. But once you reach full retirement age, your benefits will no

longer be adjusted for earned income. 3) Marital status — As a spouse, you can generally receive Social Security payments based on your own earnings record or collect a spousal benefit of up to 50% of your husband’s Social Security benefit. The benefit will be reduced if you start taking it before your full retirement age. To start collecting Social Security spousal benefits, you must be at least 62 years old and your husband must also have filed for his own benefits. If you’re divorced, and you’re not currently married, you can generally receive benefits on your ex-husband’s

Social Security record, as long as you meet certain conditions. (For example, you had to have been married to your ex-husband for at least 10 years.) No matter how much Social Security you ultimately receive, it’s almost certainly not going to be enough to provide all the income you’ll need. So during your working years, try to contribute as much as you can, for as long as you can, to your IRA and your 401(k) or other employer-sponsored retirement plan. At the same time, look for other investment opportunities. And when you reach retirement, create a withdrawal strategy that allows you to stretch out the income you receive from your investments for as long as you can. By saving and investing as much as possible during your working years, maximizing your Social Security payments and carefully managing your financial assets when you’re retired, you can help improve your chances of enjoying the retirement lifestyle you deserve. This information is believed to be reliable, but investors should rely on information from the Social Security Administration before

making a decision on when to take Social Security benefits. It is general information and not meant to cover all scenarios. Your situation may be different, so be sure to discuss this with the Social Security Administration prior to taking benefits.

Jeff Ponte s a Financial Advisor for Edward Jones14278 Ladue Road

Chesterfield MO 63017-3347 314.469.1696 office314.307.0823 mobile

jeffrey.ponte@edwardjones.com www.edwardjones.com

Schedule a tour atour lakeside community today!

Retirement CottagesRetirement Apartments

Assisted Living Apartments&

Short-term Respite Apartments(for rehab & recovery, caregiver relief, etc)

(636) 861-3200www.capealbeon.com

Schedule a tour atour lakeside community today!

Retirement CottagesRetirement Apartments

Assisted Living Apartments&

Short-term Respite Apartments(for rehab & recovery, caregiver relief, etc)

(636) 861-3200www.capealbeon.com

Age 55 Plus Community

Cottage Homes Independent Apartments

silverspace

12 ∙ ACTIVE LIFESTYLES MAGAZINE ∙ AUGUST 2014 ∙ www.activelifestylesmag.com God Bless America!

HEALTHY LIVING SENIOR FAIRBaue Funeral Homes, Crematory, and Cemetery believes in taking care of families before, during, and after a death occurs. With that in mind, each year we host the Healthy Living Senior Fair. This year, the 10th annual fair will take place on Tuesday, August 12th from 10am-2pm at the St. Charles Convention Center. Baue and their senior club, The Silver & Gold 60+ Club host the fair with help from sponsors SSM St. Joseph Health Center and St. Joseph Hospital West, Visiting Angels, and The Senior Citizens Advisory Commission of St. Charles. The fair is open to the public and free to attend with free parking, free entry, free health screenings, raffles, giveaways, entertainment, and more. No pre-registration is required. This year on the main stage will be: YMCA Silver Sneakers, St. Louis Metro Square Dancers, St. Louis Strutters, and Dr. Sue Pearson giving a presentation on Advanced Directives followed with Q&A.

There will be over 100 vendors with information and giveaways for senior citizens including the Mid-East Area Agency on Aging, Christian Hospital Diabetes Institute, Martha C. Brown & Associates, LLC (Attorneys), Hearing Consultants, Crown Vision, CLAIM, Baue Pet Services, Gershman Mortgage, Project Veteran Aid, Wolfner Talking Book and Braille Library, Providence Bank, Designer Direct Jewelry, Lasting Impressions Home Remodeling, The Renaud Spirit Center, Collette Vacations, The Baue Flower & Gift Shop, The YMCA, and more!

10th Annual HealthyLiving Senior Fair

Tuesday,August 12, 2014

10am-2pmSt. Charles Convention Center

1 Convention Center PlazaSt. Charles, MO 63303

More Info: 636-946-4042

On High Priced Hearing Aids.www.hartleyhearing.com

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FREEALL HEARING AID USERS

Got Whistling Problems? NOW NO PROBLEM! Got Plugged Up Feeling Problems? NOW NO PROBLEM! Got Background Noise Problems? NOW NO PROBLEM!

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502 Pevely Manor, Suite 1 (Hwy. 61-67), Pevely, MO 63070..............636-479-95561407 Rock Road, De Soto, MO 63020 ................................................636-586-2333767 Gravois, Suite B, Fenton, MO 63026 ............................................636-326-8233

1-800-459-4327 (TOLL FREE) SENIORS DISCOUNT

In-home hearing test available. Many insurance plans accepted.

Hartley HEARING AIDSERVICES AND BATTERIES

With this purchase only or higher priced hearing instruments receive a brand new

Toshiba Laptop FREE*

*Previous sales before June 1, 2014 not included.Model C50-AST3NX1

We are a home within your home that provides 24/7 compasionate non-medical personal care

giving for Adults who can’t live by themselves but cannot afford costly in-home care. Personal Care

Home with only 3 to 4 residents per home

∙ 24/7 Care Giving ∙ ∙ Three Hot Meals plus Daily Snacks ∙

∙ Medication Reminder ∙∙ Housekeeping & Laundry Services ∙

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(314) 669-2524Please Visit: www.ourfamcare.com

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13 ∙ ACTIVE LIFESTYLES MAGAZINE ∙ AUGUST 2014 ∙ www.activelifestylesmag.com A Voice For St. Louis’ Retirees!

314-918-0088www.stlelderlaw.comMark Easley, Attorney at Law

Elder and Estate Planning Law Firm“We help you pay for the care you need.”

• Legal Services Including:

• Wills • Trusts • Powers of Attorney

• Financial and Medical Directives

• Aid and Assistance Filing (VA, Medicaid, Division of Assets)

• Long-Term Care Planning

• Free Initial Consultation

• Affordable Flat Fee Pricing

Judy’s Tips For August

silverspaceGETTING FAMILIAR WITH ESTATE

PLANNING TERMINOLOGY by Mark Easley, Attorney at Law

The key to the term “estate planning” is PLANNING. Establishing estate planning documents plans for issues that could arise in the future, namely issues related to incapacity. The family of a senior with powers of attorney in place, for example, can handle the senior’s affairs without the need to set up a court-ordered guardianship; the family had “planned” ahead for the possibility of the loved one’s incapacity. Some people feel uncomfortable meeting with an attorney to discuss their estate planning needs because of a lack of familiarity with the law. A good lawyer will discuss your available options in simple terms that a person with no legal training can comprehend. You can also relieve some of that hesitancy by familiarizing yourself with legal terminology before meeting with a qualified estate planning attorney to discuss the appropriate

choices for you. The following is a short list of common legal terms that may come up in an estate planning meeting. Take just a few minutes to familiarize yourself with this list and keep it handy for future reference.Attorney-in-Fact: A person who is named under a Power of Attorney to act on behalf of another person while they are unable or incapacitated. Beneficiary: A person or entity that receives a benefit from an estate, trust or asset transfer vehicle.Conservator of the Estate: A court-appointed supervisor in charge of the care of a minor or incompetent person’s financial well being.Decedent: A person who has passed away.Estate: All the assets owned by a decedent upon his or her death.Executor/Personal Representative: The person responsible for

settling a decedent’s estate.Grantor: A person who transfers an asset to another person or entity.Guardian of the Person: A court appointed supervisor in charge of the care of a minor or incompetent person’s physical well-being.Irrevocable Trust: A trust in which the trustor has not reserved the right to revoke and cannot change the wording in the trust.Living Trust: A trust established and operating during the trustor’s lifetime. A living trust serves the same function as a will except that the proceeds of the will go to the trustor’s beneficiaries immediately at the trustor’s death (instead of going through the probate process first). Probate: The legal process used to assemble and transfer a decedent’s assets to the intended beneficiaries and settle a decedent’s outstanding

debts. In St. Louis County, probate typically takes nine months to one year.Revocable Trust: A trust in which the trustor reserves the right to revoke. Living Trusts are examples of Revocable Trusts.Testator/Testatrix: The creator of a will.Trust: A legal arrangement created to facilitate the transfer of property to a trustee for the benefit of a beneficiary.Trustee: A person or entity named in a trust agreement to be responsible for holding and administering the trust assets according to the terms of the trust.Will: A legal document used to transfer assets upon a decedent’s death.

Attorney Mark Easley of The Elder & Estate Planning Law Firm

www.stlelderlaw.com8780 Big Bend Blvd. Suite G

St. Louis, MO 63119(314) 918-0088

Many elderly people I know dread, and even fear, losing their ability to think clearly. Want to know one way to avoid mental confusion? You guessed it—stay hydrated! Summertime can be especially hard to keep well hydrated, but we should make the effort. How much effort? Experts are still recommending 6 to 8 glasses of water per day to stay well hydrated. Or another, non-alcoholic, non-caffeine fluid like juice or milk will work just as well. Some fluid can be ingested from fruits like apples, watermelons, and so forth. Fluid is lost from not only perspiring and urinating, but did you know we also lose fluid from breathing? Having a glass of water, milk or juice first thing in the morning is important to revitalize our fluid level.Dehydration can not only cause

mental confusion, it can also cause, dry mouth, cracked lips, sunken eyes, hollow cheeks, poor skin tone, general weakness, and drowsiness. Did you know that feeling thirsty is a sense that can be lost? It can be difficult to remember to drink enough fluid if you don’t even feel thirsty. Some people find the taste of water boring, but adding a slice of lime or lemon can improve the flavor. Just be certain to properly wash the fruit before you slice it. Personally, I grew up drinking Kool-Aid and still enjoy it! Another reason some people don’t drink enough fluid is because they have problems with trips to the bathroom. They believe that if they don’t drink as much they won’t have to go as much. If a person has dementia, it can be difficult to communicate the

need. Are you a caregiver? How do you encourage your charge to take in enough fluid each day? Another thing to consider is that some seniors are on diuretics which actually need an increased fluid intake in order to function properly and safely. Certain other medications can also cause dehydration. It is very important to check whether your medications have any food or fluid requirements, and follow them. Lastly, please don’t use individual bottled water if you can avoid it. We have so many plastic bottles that aren’t being recycled. If you are concerned about your tap water, perhaps you could invest in a filter that attaches to your faucet, or a water pitcher that filters your water. The most important point to remember is that our bodies need fluid every day.

Judy Erslon’s “Judy’s Tips” are found exclusively in Active

Lifestyles MagazineContact Judy at: Executive Senior

Services 314-650-2714 email: je_teach@yahoo.com

www.executiveseniorservices.com

Mark graduated with a Juris Doctorate from Southern Methodist University in Dallas, Texas in 1990 and also earned a B.S. from John Brown University and an M.B.A. from the University of Tulsa. As a practicing attorney, Mark is dedicated to the fields of elder law, Medicaid planning and estate planning. Mark is licensed to practice law in Missouri, Illinois, Texas and Arkansas. Mark is also a Member of the National Academy of Elder Law Attorneys.

SEE HOW EASYAND AFFORDABLE

ADVERTISING IS WITH US!

600 metrowidedrop locations

(314) 591-3011

14 ∙ ACTIVE LIFESTYLES MAGAZINE ∙ AUGUST 2014 ∙ www.activelifestylesmag.com Have Your Business Listed Here!

metroALL ADULT DANCE STUDIO CELEBRATES 8 YEARS

by Pat AdamsDancing Thru Life is an all adult studio for tap, ballet and jazz. The studio will be starting it’s 8th year on September 15, 2014. While other studio’s have adult

classes, many times those classes contain teenagers too. At Dancing Thru Life, all the students are over age 21 and range up to age 78. There are classes at all levels, Beginner I and II, Intermediate I and II, and Advanced I and II. Day and evening classes are available. Because of the diversity of the classes and the

number of classes offered, many women use the studio instead of a gym. Dancing is a fun way to exercise and stay fit. DANCING THRU LIFE FALL SCHEDULE 2014

Classes beginning Sept. 15th*All class times are subject to change based on enrollment

MONDAYS10:30 am Beginner I Tap11:15 am Beginner II Tap

***********6:00 pm Intermediate II Tap

6:45 pm Advanced II Tap7:30 pm Ballet/Jazz (Int. level)

8:15 pm Adv. I Tap TUESDAYS

5:45 pm Beginner I Tap6:30 pm Beginner II Tap

7:15 pm Ballet/Jazz (Beg./Int. level)8:00 pm Intermediate I Tap

8:45 pm ZumbaWEDNESDAYS

9:45 am Intermediate I Tap10:30 am Ballet/Jazz (Beg./Int. level)

11:15 am Intermediate Tap II12:00 am Daytime Steppers (50 plus/not a drop in class)

*************6:00 pm Timesteppers (50 plus class/not a drop in class)

6:45 pm Advanced I & II Tap (not a drop in class)7:30 pm Adv. Ballet/Jazz

8:15 pm Adv. II Tap Plus (fast moving) (not a drop in class)For more information and to register, please call 636-391-5678 or email dancingthrulife@att.net.

Visit our website to learn more about our studio and for the fall schedule of classes. www.dancingthrulifestl.com

Christine LaBlaine-DeHartOwner/Artistic Director (top)

Studio Class (bottom)

HEALTHY EATS IN ST. LOUISby Katie Mae

As a Health Coach I am always asked ‘What diet do you recommend?’ To which I reply, ‘I don’t recommend dieting.’ Instead, focus on eating whole foods such as vegetables, grains or fruit. If you are now worried about your cooking skills, or lack thereof, relax. There are a lot of great ways to explore healthy, whole foods, and St. Louis is full of excellent resources to get started without all the stress of cooking in the kitchen. You can try some new whole foods and let someone else do the cooking, and when you find what you like, learn how

you can cook it at home for yourself! Check out these local great places to dine! Pracino Restaurant in St. Charles: Farm-to-table cuisine with a wide variety of healthy optionsDino’s Pizza Italian Restaurant: in St. Peters Food made from scratch Vegan, vegetarian or gluten free options (Best GF crusts and bread, which are handmade!) Asian Bar & Grill Café: in O’Fallon Vegan and Gluten free options Fresh, affordable food and great service! Bailey’s Range in St. Louis:

Local grass fed beef, veggie, bison and more! GF buns available First Watch various locations: Baja turkey burger with dressed greens is awesome! I skip the bun and cheese for dairy/gluten free Gluten free optionsFrida’s Deli in St. Louis: Vegetarian, vegan, gluten free options Fresh Juices and smoothies Get out there and try a burger made with local grass fed beef to taste the difference and support our local farmers. Try a vegan stir fry from the Asian Café. Have sweet potato fries instead of

regular fries. Whole healthy foods don’t have to be boring and tasteless!

Katie Mae, Health & Lifestyle Coach 314-435-1374 or katiemaehc@gmail.com For more information:www.katiemaehc.com

THE “BEST EVER” LEMONADE RECIPE! To help cool you down from the heat and humidity here is a thirst quencher recipe for you!

1-1/4 cups white sugar8 cups of water1-1/2 cups lemon juice (from 6 lemons) To make it easier to juice the lemons….microwave the lemons for 10 seconds and roll on the counter.

Directions: In a small saucepan, combine sugar and 1 cup water. Bring to boil and stir to dissolve sugar. Allow to cool to room

temperature, then cover and refrigerate until chilled. You can add ice to cool it quicker, just be sure to re-measure beforeadding the remaining 7 cups of water.

Remove seeds from lemon juice, but leave pulp. In pitcher, stir together chilled syrup, lemon juice and remaining 7 cups water.You can also add a strawberries, raspberries, cherries or an orange to the lemonade.

To make this the adult versionAdd 1 cup of light rum or vodka!

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