smart living weekly - october 16, 2013

52 Smart Living Weekly Issue 152 Smart Living Weekly Issue 1Smart Living Weekly Issue 1

LivingSmartLivingSmartWeeklyWeekly™

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WIN!$50 Cookie Bouquet @

Cookies by Design

See pg. 34

Save Smarter • Live Better • Rockford Region/Freeport95¢ • October 16, 2013

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Continued on p. 20

Right In Our Region

It’s A ‘Grand’ Debut for RSOB y R e b e c c a N u n e s

Pictured: Robert Hohf,Piano Restoration Expert

It’s not everyday that a pianist has the opportunity to play at the debut perfor-

mance of an entirely rebuilt grand piano. On Nov. 9, Jesse Parker will be doing just that on the historic stage of the Coronado Performing Arts Center.

The Steinway was purchased by Rock-ford Symphony Orchestra in 1988 with the help of famous pianist Andre Watts. Al-though the piano has always been in good condition, it had lost the power to play alongside a full orchestra.

Continued on p. 20Continued on p. 20

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53 Smart Living Weekly Issue 153 Smart Living Weekly Issue 1Smart Living Weekly Issue 1

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5Smart Living Weekly Sept. 25 5Smart Living Weekly Sept. 25Smart Living Weekly Sept. 25


MEDIA PARTNER:

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In This IssueRight in Our Region:A ‘Grand’ Debut for RSO..........Cover & p. 20

Your HomeUpdating Your Fireplace..............................11

Inspiration & Worship ..............................12

Your Kitchen: Tailgating & Diabetes..........15

Your StyleAdding to Your Fall Wardrobe.....................17

Your HealthSuper Foods................................................25

Your Fun.................................................... 27

On the Town.............................................. 29

TipsVeterans and Assisted Living Funds .........31

Your MoneyOutlasting Your Money................................33

Jan ine P u m ilia,E xe c u t ive E dit or

P u b lish er/ E dit or- in- C h iefBill H ughes

E x ec u t iv e E dit orJ anine Pumilia

M anag ing E dit or/ W eb E dit orChris L inden

A ssoc iat e E dit or/ Sp ec ial P rojec t s E dit orK arla N agy

Senior St af f W rit er/ P rom ot ions C oordinat orPaul Anthony Arco

Grap h ic s D irec t orBlake N unes

Grap h ic A rt istChristin Dunmire

Grap h ic s/ E dit orial A ssist antRebecca N unes

General Sales M anag erBrent H ughes

Sales M anag erBrad H ughes

A c c ou nt E x ec u t iv esSteve Blachford, L isa Chatfield, Brian H ughes

& L iz Thomas

A dm inist rat ion & C irc u lat ion M anag erL isa H ughes

W eb sit ewww.N WQ SmartL iving.com

Published by H u g h es M edia C orp . 72 8 N . Prospect St., Rockford, IL , 6 110 7

(8 15 ) 3 16 -2 3 0 0 , F ax: (8 15 ) 3 16 -2 3 0 1lhughes@ northwestquarterly.com

Smart Living Weekly.Copyright 2013 by Hughes Media Corp., 728 N. Prospect St., Rockford, IL, 61107. All rights reserved. Reproduction in whole or part of any text, photograph or illustration without written permis-sion from the publisher is strictly prohibited.

7Smart Living Weekly Oct. 16Smart Living Weekly Oct. 16

Simple Pleasures

Jan ine P u m ilia,E xe c u t ive E dit or

Around our house, we know summer has truly ended when Dairyhä us in

Rockton closes up for the season. H ow we love those summer evening treks through the countryside up to Rock-ton! Baxter, our golden retriever, antici-pates the home-made waf e cones and ice cream as much as we do. N ow he’ll have to set his sights on other simple pleasures, just as we will. (Are there any other kind for dogs?)

eafi ng through fall recipes for soups, stews and chili, is one of my simple pleasures. Burning sticks in the backyard fi repit is another sometimes marshmallows are involved.) This time of year is the be s t for taking long walks through forest preserves and parks.

It’s also the time of year we start feathering our nests, making indoor spaces a little more comfy for the long winter days ahead. So go ahead. Buy yourself one of those scented candles that smell like simmering apple cider, or one of those fuzzy throws that feel sooo soft. Stock the birdfeeder. Clean out the fi replace and plant yourself in front of it with a good book, or the fall issue of N ort hw es t Q uar t erl y M agazine.

hether you fi nd yourself buying apples, winterizing your home, making H alloween costumes or getting a jump on holiday shopping, we hope you’ll keep your local retailers in mind. To the CEOs of big box stores, we’re nothing but numbers on a ledger sheet. But to the owners of local mom-and-pop shops, we’re the only thing standing between the “ open” and “ closed” sign hanging on the door. The more we shop locally, the more our money continues to circulate close to home, rather than in the states of big box headquarters. That’s good for all of us.

Soon it will be time to “ fall back” for daylight savings time (on N ov. 3, 2 a.m.). L et’s make this the year we spring for-ward on behalf of local businesses, even dur-ing autumn. Enjoy!

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It s no secret that an older fi replace isn t the most effi cient home heating

method. Worse, it can serve as an un-wanted air conditioner during winter.

An open fi replace can actually have a negative effi ciency because of the amount of air it sucks out of the home,” says rad ander eyden owner of Advanced himney ystems o-nergan r. ockford. ome fi replaces consume to cubic feet of air per minute out of the house. hat s one thing when it s or degrees outside but it s another thing when it s zero or be-low zero. ou ust suck so much air out that your furnace is working overtime.

ome of the old noncertifi ed wood stoves do better up to a - or -per-cent effi ciency range ander eyden says. ut new technology in wood-burn-ing appliances brings a huge improve-ment. ewer cleaner-burning stoves are up to percent effi cient.

New Stoves, Fireplaces Burn Cleaner, Betterf you have an old in-

effi cient non-certifi ed stove you ll easily save a third of your wood by replacing it with a new one he says.

ve had some people come in and say they re getting the same heat and burning half the wood.”

hat s largely because some new stoves or fi replace inserts cause secondary com-bustion basically they burn up the smoke before it ever enters the chimney. hat not only e uates to better heat transfer it also reduces dangerous creosote buildup.

ireplace inserts either wood- or gas-fueled can transform an older warmth-stealing fi replace into an ef-fi cient heating option ander eyden says. ne big difference today is ce-ramic glass doors instead of tempered

B y J i m K i l l a m

glass. he doors prevent warm air from being sucked out of the room but in the past tempered glass also blocked fi re-place heat from entering the room. o-day homeowners get the ambience of a fi replace and it even heats the room. ❚

Get SLW Home & Garden arti cles every week. Visit NWQSmartLiving.com and start your E-Editi on today.

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It’s Simple

Get SLW Inspirati on & Worship arti cles every week. Visit NWQSmartLiving.com and start your E-Editi on today.

Ironically one of the things we fi nd most confusing about Christianity is

its simplicity. e don t have to fi ll out an application, take a test, network with “ the right” people, enroll through a web-site or pay money to be part of od s family. hat s because acceptance is based on H i s goodness not ours. hat s called grace.

There is one re uirement however e must choose to believe.

you declare wit your mout e-sus is Lord and elieve in your eart t at od raised im rom t e dead you will e saved. or it is wit your eart t at you elieve and are usti ed and it is wit your mout t at you ro ess your ait and are saved. omans

10, N IV )M any times throughout the G ospels,

J esus tells his followers to approach the kingdom of od as little children do.

ruly say to you w oever does not receive t e kingdom o od like a c ild s all not enter it. (Luke 18:17, ESV)

oes this mean we re to be blind followers who never uestion our faith

ot likely. any of the people od in-teracts most closely with in the ible do plenty of questioning.

hildren are naturally good at lov-ing and allowing others to love them.

hey re unafraid to depend on others for their most basic needs. And they haven t yet built up the walls of pride and ego that so easily separate us from od.

hen asked about od s highest priority, J esus answers, Love t e Lord your od wit all your eart and wit all your soul and wit all your mind. (M at-thew .

od s great desire is for us to love im without reservation. ho s better

at returning unconditional love than a child ure od e pects us to mature and grow up in the ways of hrist

ph. . ut ust as human parents never stop loving their adult kids or craving their love in return od never stops loving us. t s that simple. ❚

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Take time for yourselfJoin us for The Art of Women’s HealthThere’s nothing more beautiful than good health! During Breast Cancer Awareness Month, celebrate that beauty at the beautiful Freeport Art Museum. Galleries will showcase women’s health, as follows:

1. Visit with the Nurse Navigator from the Women’s Diagnostic Center about breast cancer awareness, self-examinations, and general breast health

2. You know you need to exercise – but when? Squeeze fitness into even the busiest day3. Is a new baby on the horizon for you or someone you know? Chat with our obstetrics

team about prenatal classes, how and why to carry to full-term, breastfeeding, and “all things baby!”

4. Sneeze with ease: incontinence doesn’t have to be a fact of life! Hear about the latest therapies as we keep our sense of humor about learning to laugh without worry

5. Your mind/body connection: relax your mind with basic yoga (nothing done on the floor)

6. Enjoy informal conversation with members of FHN’s ob/gyn team7. Snap up creative recipe and meal tips from FHN’s dietitian experts

The museum’s gallery themes will also be reflected in a healthy taste treat for each gallery, and all attendees will receive goodie bags. Call us toll-free at 1-877-6000-FHN (1-877-600-0346) ext. 901 or visit www.fhn.org/women to register for this free event. Be beautifully healthy!

SPEAKER SERIES

The Art of Women’s Health Tuesday, October 295:30 – 7:00 p.m.

Freeport Art Museum121 N Harlem AveFreeport

RefreshmentsGoodie bagsDoor prizes

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Diabetic? You Can Still Tailgate Responsibly

1/4 teaspoon black pepper1 pound ground chicken breast1 small red bell pepper, minced3 tablespoons reduced-sodium bott led hot pepper sauce2 tablespoons plain dry whole wheat bread crumbs1 shallot, minced1 garlic clove, minced1/2 teaspoon saltCelery carrot sti cks for dipping

Preheat the oven to 425 F . Spray a large baking pan with cooking spray.

Combine mayo, sour cream, blue cheese, lemon juice and pepper in small bowl. over and refrigerate so avors

F ootball season is here, which means parties and tailgating. These are of-

ten synonymous with calorie-packed, high-fat foods that can make it challeng-ing for people with type 2 diabetes to stay on track.

N ovo N ordisk is helping adults tackle common challenges associated with type 2 diabetes by offering diabe-tes-friendly recipes and resources.

H ere are a few favoirtes, and many more may be found at DiabetesinaN ew-L ight.com.

ot Spinic rti c oke Dipakes: ser in s

1 package frozen chopped spinach1/4 cup Pepper Jack cheese, shredded1 cup imported Parmesan cheese2 cans arti choke hearts packed in water1/2 cup light mayonnaise1/2 cup fat-free ricott a cheese2 teaspoons fresh lemon uice1/4 teaspoon ground red pepper

egetable dippers such as strips of bell pepper, carrot sti cks, celery sti cks, endive spears, or whole-wheat bagel or pita chips

Preheat oven to 350 F. Spray a 1-quart bak-ing dish with nonsti ck spray.

Microwave the spinach according to pack-age directi ons. rain, let cool, then s ueeze dry. Transfer spinach to a large bowl.

Meanwhile, to make the topping, combine Pepper ack cheese and 2 tablespoons of Par-mesan cheese in a small bowl unti l blended.

Pulse arti choke hearts in a food processor unti l smooth, then transfer to the bowl with the spinach. Sti r in remaining Parmesan, may-onnaise, ricott a, lemon uice, and ground red pepper unti l well mixed. Scrape into the pre-pared dish. Sprinkle evenly with the topping.

Bake, uncovered, about 30 minutes. Serve with the vegetable dippers.

Per serving (1/4 cup without dippers): 140 calories, 10 g fat (2 g saturated, 0 g trans), 10 mg cholesterol, 500 mg sodium, 7 g- carbohydrate, 2 g ber, g protein.

Swapping out fatty mayonnaise with creamy (but fat-free) ricotta cheese and using Parmigiano-Reggiano cheese amps up cheese power in a smaller amount.

Bu a o St e icken Bites akes: ser in s

1/2 cup light mayonnaise1/4 cup reduced-fat sour cream1/4 cup reduced-fat blue cheese crumbles1 tablespoon lemon uice

blend, about 15 m inutes.Combine ground chicken, bell

pepper, 2 Tb. hot pepper sauce, bread crumbs, shallot, garlic, and salt in a large bowl. With lightly moistened hands, form into 30 (11/ 4 -inch) balls. Bake until lightly browned, 12 t o 15 m inutes.

Transfer to a large bowl. Add the remaining 1 Tb. hot pepper sauce and gently toss until coated. Serve with the dressing, celery and carrot sticks.

Per three meatball serving: 180 cal-ories. U se light mayonnaise, reduced-fat sour cream and reduced-fat blue cheese to keep it delicious without extra fat and calories.

*T hese recipes have been reviewed by Diabetes Care and Education, a dietetic practice group of the Academy of N utri-tion and Dietetics. ❚

(Source: BPT)

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As the weather outside changes, so must your wardrobe. But are last

year’s clothes still trendy? L uckily, in-corporating some of this season’s top trends into your look is an easy way to add style to last year’s fall collection. F all 2013 is full of trends that are both comfortable and affordable.

H ere are some trends for this au-tumn that will keep you looking great without breaking the bank.

Colorful HatsBeanies, fedoras, baseball caps, oh my! When it comes to fashion meeting func-tion for fall, there’s no better option than a great hat. H aving a few in your collec-tion means you can mix and match de-pending on your mood.

Remember, accessories are a good way to experiment with color, so a hat in rusty orange or vibrant teal might be the perfect way to integrate unique hues into your wardrobe.

Fall Trends: Add to Your Existing WardrobeSlimming FeaturesF rom tanks that tuck and jeans that smooth, designs that slim are hot for fall. Pants are a great way to incorporate this trend into your look. The innovative slimming features of dEN iZ EN from L evi’s brand jeans create a fashion-for-ward look that complements any body shape. G et a few in some of the season’s most popular styles, like the Essential Stretch M odern Skinny and Essential Stretch M odern Boot-cut.

Lovely Layers L ayering is a fashionable way to stay warm when temperatures dip. Stay on trend by mixing textures and prints for a one-of-a-kind look. The trick to layer-ing is to start with light fabrics and then build thickness with each layer. F or ex-ample, start with a cotton tank or T-shirt, layer with a light cardigan or sweater, and fi nish with a thicker ean acket or military-style blazer. ❚ (Source: BPT)

Get SLW Style arti cles every week. Visit NWQSmartLiving.com and start your E-Editi on today.

*Photos for illustration only. Not responsible for typographical errors. We reserve the right not to honor any incorrect pricing. Prior sales exempt, no other offers apply.

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R O R

RSO’s ‘Grand’ DebutC ont i nue d f rom cov er

“ It’s not that there was anything wrong with the piano,” explains RSO M usic Director Steven L arsen. “ But a grand piano is designed to cut above the orchestra and ours had lost the ability to do that.”

Although the piano was still perform-ing well for solo performances, it was vir-tually useless when playing alongside the powerful orchestra. In fact, RSO had been renting pianos for the symphony perfor-mances because the Steinway just couldn’t perform with enough gusto anymore.

So how does one take on a project that requires such specific knowledge? Being in a dedicated music community, something Rockford can brag about, cer-tainly helps.

M erle L angs, master piano teacher and RSO volunteer, recognized the need for this project and got the ball rolling by reaching out to Robert H ohf, a piano restorer from Whitewater, Wis. H ohf has been tuning and taking care of L angs’ three pianos for more than seven years, since

she moved to Rockford from N ew Y ork City; H ohf also happens to be one of her concert-level adult students.

It turns out there aren’t many local piano restorers with the expertise or work-shop capacity to deal with a piano of this size. But H ohf has always had a soft spot for concert grands, so when he designed his workshop, he specialized it for his pre-ferred 9 -foot instruments.

“ I’m so proud that we have someone in our area who can rebuild this piano,” says L angs. “ It’s no easy task.”

With more than 12 ,0 0 0 parts and 4 0 ,0 0 0 lbs. of string tension to maintain, it certainly isn’t a simple “ fix.” H ohf started the project 5 months ago and plans to fin-ish this month.

“ Dealing with the mechanics of the piano is a huge part of rebuilding it,” says H ohf. “ It’s not simply an instrument. It’s also a large piece of machinery.”

It all comes down to the redistribu-tion of force, which will help the sound of the piano resonate. F or example, H ohf replaced all of the strings in the piano, measuring them to find the optimum height for the action.

“ There may only be a quarter of an inch difference from what they were origi-nally, but it will make a big difference,” explains H ohf. H e custom ordered new strings from a manufacturer in G ermany, one that he feels is the best in the world.

“ Pianos are built in factories, so they may not be built in the most optimal way for each particular instrument,” says H ohf. “ This often creates problems of alignment and fit that can be greatly improved upon.”

And it’s not just the technical aspects that are important; it takes a musician to truly interpret the tone of the new instru-

Emily Bear performs on the piano with RSO.

Smart Living Weekly Oct. 16 21Smart Living Weekly Oct. 16

ment. H ohf has been playing piano his whole life and says this ability is the N o. 1 diagnostic tool he relies on for specializing mechanical techniques.

“ I relate playing the piano to the cause and effects of how it works,” says H ohf. “ Ear training as a tuner is different than ear training as a musician.”

So why take on the immense chal-lenge of customizing a 2 5 -year-old piano?

It turns out a brand new concert grand would have cost the RSO more than $ 115 ,0 0 0 , making the mere $ 2 1,5 0 0 cost of restoration look like a steal.

Even better, many dedicated area musicians and music lovers were able to chip in to cover the cost.

“ I reached out to the community and I had the money raised within a week,” says L angs. “ I myself contributed $ 2 ,0 0 0 and then I called members of our music com-munity and asked, ‘ H ow much can you give to rebuild this piano?’”

H ohf explains that purchasing a new piano would have been like starting over.

“ Older instruments often have a better tone,” explains H ohf. “ The wood changes and the sounds resonate better because the

instrument has adjusted to the shape it’s been formed to.”

In fact, there’s a certain amount of adjusting that will need to happen in the weeks before the debut performance. H ohf will be visiting several times during those weeks to make minor adjustments as the piano “ settles in.” H e says it takes nearly 5 years to break in a piano that gets played everyday. RSO is selling half hour incre-ments for individuals to play the piano on the Coronado stage during the two weeks before the debut.

J esse Parker, the Rockford profession-al musician who’ll play the restored grand

during RSO’s “ L ove of N ature” concert N ov. 9 , will practice on it for two weeks. Emily Bear and Russian pianist Olga K ern also have performed on this piano.

Parker completed his graduate musi-cal education at Stanford U niversity, where he received his M .A. in Composition and Ph.D. in M usicology. H e’s performed as a pianist in solo and chamber recitals and with orchestras throughout the nation. H e and wife L ibby moved here three years ago from Seattle, where he taught at the Cornish College of the Arts. Parker is resi-dent accompanist for the Academy Y outh Chorale, which L ibby directs.

“ This restoration will have a signifi-cant effect on the music community and that’s one of the reasons I do this kind of work,” says H ohf. “ Rockford has a very dedicated music community. It’s a good bunch of people to work for.”

So head over to the Coronado on N ov. 9 to see and hear the debut of the Steinway concert grand, which will finally compete on equal footing with the incredible RSO.

“ We already have a world-class orchestra,” says L angs. “ We needed a piano to match.” ❚Jesse Parker


Spine-chilling treats are a great way to kick-off this H alloween season.

M ake these simple but yummy treats de-signed to look like spiders to add a little spook to your H alloween party. Serve them when guests arrive to kick-off the scary festivities.

Peanut Butt er Pumpkin Spiders(6 Servings)Ingredients:6 Reese's Peanut Butt er Pumpkins1/4 cup Hershey's Milk Chocolate ChipsLarge pretzel twists (2 -1/2 to 3 inches)12 yellow Reese's Pieces Candies

Directi ons:Line tray or cookie sheet with wax paper. Re-move wrappers from peanut butt er pump-kins and place alongside each other on tray leaving 1 inch of space between each pea-nut butt er pumpkin. For each spider, cut 8 matching curved secti ons from pretzels which will form the legs. Set aside remaining pretzels pieces.

Place milk chocolate chips in small mi-crowave-safe bowl. Microwave at medium 30 seconds; sti r. If necessary, microwave at medium an additi onal 10 seconds at a ti me, sti rring aft er each heati ng, unti l chips are melted and smooth when sti rred. Transfer to small heavy duty plasti c food storage bag. Cut off one corner of bag about 1/4 inch from the ti p.

Att ach pretzel legs and yellow candy "eyes" to spider with melted chocolate; place dot of melted chocolate on each eye. Allow chocolate to set before moving spi-ders.

L ooking to add a little more spook to your party? Download a haunted playlist. N othing is quite as spooky as the sound of doors creaking or ghosts shrieking. Put together a haunted playlist that you can listen to while guests arrive.

F or more wickedly delicious recipes, visit CelebratewithH ersheys.com. ❚

Halloween Snacks

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The term appears on headlines and is splashed on food labels everywhere: “ super foods”

get people talking. But how do you cut through confusion to fi nd the foods that truly have a pow-erful impact on your health and wellness?

“ Super foods are foods that have a very high nutrient profi le says ophie liano ew

ork imes best-selling author and healthy liv-ing advocate.

Some of the most powerful super foods may surprise you. liano s list of super foods that pack a big serving of healthy goodness include:

1. Goji Berrieshese little berries are a very rich source of an-

tio idants avonoids polyphenols and carot-enoids and contain vitamins and A. hey have a whopping amount of vitamin -- over

times more than an orange. n addition these tasty berries contain amino acids including eight essential amino acids. hey re also anti-in- ammatory anti-bacterial and anti-fungal.

Super Foods with Powerful Health Impacts2. Sardines

ardines contain vitamins phosphorus potas-sium and iron. hey re particularly rich in heart-healthy omega- fatty acids which also are im-portant for their anti-in ammatory effects.

“ Canned sardines are just as healthy and rich in nutrients as fresh sardines liano says.

f you dislike the taste and te ture mash them up with spicy mayo and eat as you would tuna salad. f you re still not sold consider a high uality fi sh oil supplement from ordic aturals

which will give you a boost of the omega- s.

3. Kalen addition to vitamin which is important for

blood-clotting and healthy bones kale is packed with vitamins A and calcium and fi ber. he veggie also contains loads of carotenoids which are great for eye health.

ifferent kinds of kale include urly ale ino ale remier ale and edbar ale e -

plains liano. love to steam kale and drizzle

with olive or toasted sesame oil and a little tamari sauce. eat it warm or as a cold side in the sum-mer. t s also great to eat raw but make sure that you wash well and remove all of the tough stems before chopping it up.”

Add these top three super foods to your diet and improve your health today! ❚ (Source: BPT)

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Smart Living Weekly Oct. 16Smart Living Weekly Oct. 16 27

Y FY F

Haunted Rockford Bus ToursThrough Oct. 26, 6:30-9:30 p.m. Every Satur-day in October, climb aboard a coach bus to visit haunted locations throughout the city. $20.Kathi Kresol provides haunting histories. Call (815) 871-4239, sponsored by Rockford Public Library.

Music on Main Oct. 17, 5:30 p.m., the Vince Chiarelli band performs as part of the Jazz at Emerson series. Each third Thursday, relax to jazz from 5:30 to 7 p.m. at historic Emerson House, 406 N. Main St. Wine and light refreshments available. $15 for adults, $10 for students.

“Seek the Unknown: Alien Invasion”Oct. 19, 2-5:30 p.m. Ages 13 to 19 celebrate Teen Read Week’s theme “Seek the Unknown,” by discussing UFO reports, dissecting an al-leged alien species, and watching the film Dark Skies. Info: rockfordpubliclibrary.org. Event: Sullivan Center, Rockford.

Family Fossil Field TripOct 19, 1-4 p.m. Join the folks at Burpee Museum of National History for a Family Fossil Field Trip to a local Rockford quarry to collect fossils and minerals. Call (815) 965-3433 for more details or to register.

Nature Gets Ready for WinterOct. 20, 1-2:30 p.m. Naturalist Rick Barton from Natural Land Institute leads this hike through Kieselburg Forest Preserve to explore nature at the turn of the season. Walk the easy trail around the sedge meadow and prairie res-toration to find signs of what happens to plants and insects in the winter. Meet at Redcedar Ridge Shelter, 5801 Swanson Road, Roscoe.

Tender Loving Crafts SaleOct. 19, 9 a.m. to 3 p.m. This is the 23rd annual crafts sale presented by Christ United Meth-odist Church. Selected artisans and crafters. Barbeque lunch available. Guaranteed “church lady” baked goods! Located at Alpine and High-crest. (815) 399-5910.

BJS: Heavenly StringsOct. 19, 7:30 p.m. Robert Tomaro, conduc-tor; Scott Cook, cello. Boccherini: Concerto for Cello; Barber: Adagio for Strings; Dvorak: Ser-enade for Strings. Eaton Chapel, Beloit College, College and Chapin streets, Beloit, Wis. Tickets: (608) 313-1200, beloitjanesvillesymphony.org.

All Hallows EveOct. 19, 2-8 p.m. Trick or treating and children’s activities and crafts, with village buildings

decorated and waiting for young trick-or-treat-ers. $5/members free. Midway Village, Rock-ford, midwayvillage.com. Carving MastersOct. 23, 6 to 9 p.m. 12 and over. BYO hollowed-out pumpkin and learn from carving masters to use tools in new ways to create the pumpkin you’ve always wanted. Children under 12 must be with an adult. Info: rockfordpubliclibrary.org. Event: Sullivan Center, Rockford.

Ridges and RiversOct. 27 1-2:30 p.m. Environmental educator Katie Townsend leads this exploration of ridg-es, gorges, forests and prairies at Kishwau-kee Gorge Forest Preserve. This is a family-centered activity with something for all ages. Moderate hiking, some climbing of steps and inclines. 4643 Blackhawk Road, Cherry Valley.

Halloween on the PrairieOct. 27, noon-4 p.m. Haunted hay rides, face painting, spooky games, straw maze, kids’ crafts, snake wrangler, more. Jarrett Center, By-ron Forest Preserve, byronforestpreserve.com.

LOLTOS Spirited Ghost Tours Oct. 30 & Oct. 31, 7-9 p.m. Experience first-hand accounts of the unexplained noises, scents and sightings within the historic Coro-nado Theatre, during this tour of the down-town building given by LOLTOS (Land of Lincoln Theatre Organ Society). For more information call the Coronado Box Office at (815) 968.0595. Reservations required. ❚

Get SLW Family Fun arti cles every week. Visit NWQSmartLiving.com and start your E-Editi on today.

Join Midway Village for All Hallows Eve festivities on Oct. 19, from 2 to 8 p.m.

28 Smart Living Weekly Oct. 16Smart Living Weekly Oct. 16Smart Living WeeklySmart Living WeeklySmart Living Weekly

29

O T O T

2nd Cousins Bar & Grill, 6246 E. Riverside Blvd., Loves Park, (815) 637-2660: 10/16, 10/23 & 10/30 DJ Aaron Hodge; 10/17, 10/22 & 10/24 DJ Sandy Monster; 10/18 & 10/25 Destination Unknown, all 9 p.m.

Big Al’s, 610 N. Bell School Road, Rkfd., (815) 398-6411: 10/18 The Sensations; 10/19 Clutch Cargo; 10/25 Boo Bash!!!, all 9 p.m.

Butterfly Club, 5246 E. County Road X, Beloit, (608) 362-8577: Fri. & Sat. First 2 Weekends of Month: Mike Williamson, 7 p.m.

Cannova’s, 1101 W. Empire, Freeport, (815) 233-0032: Live Pianist Fri. & Sat. 6-9 p.m.

Coronado Performing Arts Center, 314 N. Main St., Rkfd.: 10/26 Ghost Brothers of Darkland County, 8 p.m. Call (815) 968-0595, coronadopac.org.

District Bar & Grill, 205 W. State, Rkfd., (815) 977-4524: 10/18 Wedding Banned, 10 p.m.; 10/26 Dueling Pianos, 8 p.m.

Franchesco’s, 7128 Spring Creek, Rkfd., (815) 229-0800: 10/19 Dueling Pianos; 10/25 Comedy Night, all 9 p.m.

The Grove, 100 E. Grove, Poplar Grove, (815) 765-1002: Thu. Open Mic, 6 p.m.; Fri. Karaoke, 9 p.m.; 10/19 TBA; 10/26 Western Sky.

Hope and Anchor, 5040 N. 2nd, Loves Park, (815) 977-8585: 10/18 Firelight Dimmers, 7 p.m.; 10/19 The Blue Olives, 8 p.m.

JustGoods Listening Room, 201 7th St., Rockford, (815) 965-8903: 10/18 Emery’s Blues Boys, 7 p.m.; 10/19 Council Choraleers Children’s Chorus, 3 p.m. / Emily Hurd, 7 p.m.; 10/20 Richard Paul Thomas, 7 p.m.

Jax Pub, 4160 North Perryville Rd. Loves Park, (815) 877-0600: Wed., Fri., Sat., Music w/Special Guest.

Kryptonite, 308 W. State, Rkfd., (815) 965-0931: Thu. Karaoke & BARGO 8:30 p.m.; 10/16 Dave Tamkin, 9 p.m.; 10/26 Calico Flamingos / Mulligan Stu / The Smoothies, 8 p.m.

Mary’s Place, 602 N. Madison, Rkfd., (815) 962-7944: Tue. & Thu. Open Stage; Wed. Karaoke; 10/18 The Stragglers; 10/19 Kelly Steward & The Restless Kind, all 9:30 p.m.

Oscars Pub & Grill, 5980 East State St., Rkfd., 815-399-6100: Wed., Fri., Sat., Music w/Special Guest.

Murphy’s Pub & Grill, 501 S. Perryville, Rkfd., (815) 986-0950: 10/16 & 10/23 DJ Sandy Monster; 10/17 & 10/24 DJ Aaron Hodge, all 9 p.m.

Poison Ivy, 5765 Elevator Road, Roscoe, (815) 623-1480: Live DJ Fri. & Sat. 9 p.m.

Rascal’s Bar & Grill, 5223 Torque Road, Loves Park, (815) 636-9207: 10/17 3GM; 10/19 Mr. Big Stuff; 10/26 Shifty Shafer, all 9 p.m.

Rockton Inn, 102 E. Main St., Rockton, (815) 624-8877: Thu. Harlan Jefferson, 7 p.m.; Fri. & Sat. DJ Ron Schoepfer, 8 p.m.; First Fri. of month Dirtee Sheetz, 8:30 p.m.; 2nd Fri. of month Ken Curtis 7 p.m.

Shooters (inside Don Carter Lanes), 4007 E. State St., Rkfd., (815) 399-0314: Live Band Sat., 9 p.m. Shooters East (inside Cherry Bowl), 7171 C h e r r y v a l e Blvd., (815) 332-5229: 10/18 Shovelhead; 10/19 Stage Fright, all 9 p.m.

Shooters North (inside Forest Hills Lanes), 7742 Forest Hills Road, Loves Park, (815) 654-3900: Live Band Sat. Splitters, 5318 N. 2nd St., Loves Park, (815) 8 7 7 - 6 0 5 1 : 10/19 The Sensations; 10/26 Pablo & The Rythmix, all 9 p.m. ❚


30 Smart Living Weekly Oct. 16Smart Living Weekly


T I

Assisted LivingVeterans May Qualify for Help

V eterans and their spouses who need as-sisted living can benefi t from a little-

known federal program but many don t realize it says ike arr sales counselor at

rimson ointe enior iving an assisted living facility at rimson idge r.

ockford.he eterans Administration s Aid and

Attendance program provides e tra money for in-home care or to reside in an assisted living facility or nursing home. A veteran and or surviving spouse is eligible if

he veteran was not dishonorably discharged from the service.

e or she served at least one day during a wartime period even if they did not serve in combat and had days of continu-ous military service.

e or she is eligible for a eterans Administration pension.

penses for the needed living ar-rangements e ceed income.

Assets don t e ceed e -cluding home and vehicles.

f younger than age the veteran must be disabled.

f a veteran lives independently but hisher spouse cannot they still may be eligible.

According to veteranaid.org ma imum aid can range from to a month depending on the situation. et not many veterans and their families know about the program says arr.

f talk to potential families who are looking to move in residents in the ne t three months will guarantee you that of them have never heard of this benefi t arr says.

t s the best-kept secret in America.ecause the application process is com-

plicated time-consuming and paperwork-in-tensive arr recommends that veterans get help. e connects residents and potential res-idents with an e pert who can help navigate the sea of red tape. he lengthy process can prove well worth the hassle.

A signifi cant number of our residents are fi nancially able to live at rimson ointe as a result of this program he says. hat s how important it is. ❚

B y J i m K i l l a m

32 Smart Living Weekly Oct. 16

Smart Living Weekly Oct. 16Smart Living Weekly Oct. 16 33

Y M

What concerns Americans the most as they look ahead toward retirement

years? One of their biggest worries is out-living their money, according to a recent survey by Prudential Retirement. A sub-stantial 71 percent of respondents fear they may not have enough retirement income to last a lifetime.

Putting money aside for retirement while you’re still working is important, but only part of the solution. Equally important is having a plan on how to manage your re-tirement nest egg so it will continue to gen-erate income throughout your life.

Develop a plan on how to use savings. Sri Reddy, head of Institutional Income for Prudential Retirement, advises people nearing retirement to begin shifting their focus from accumulating savings to con-sidering how best to distribute those sav-ings during retirement.

One avenue to explore is to check with your employer to see if there is a guaran-teed income option available in your com-

pany’s retirement plan. Two out of three participants in the Prudential Retirement survey said investing in this type of option made them more confi dent about their re-tirement security.

Continuing to work part-time may be a necessity in order to generate needed in-come for your retirement budget. Accord-ing to the Prudential survey, nearly three in four middle-class Americans believe they will have to fi nd some work in retirement.

Check out possibilities now for part-time employment. Don’t wait until after retirement. Once you have a plan in place to generate lifetime income, look at how to cut expenses after you retire. One of the best ways to stretch your retirement sav-ings may be to reduce housing costs, which are a major expense for most Americans.

If your kids are out of the house and your mortgage is paid off, think about downsizing before you retire. Add profi ts from the sale to your retirement savings and move to a less costly situation.

In addition, do an assessment of all the ways you spend money and economize wherever you can. Careful planning now, while you are still working, will help you to achieve your goal of a secure and fulfi lling retirement that lasts a lifetime. ❚

(Source: BPT )

Concerned About Outliving Your Money?

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