boomerbuzz

magazine
boomers...living life to the fullest | JULY / AUGUST 2014
Social Security:
Who Benefts MOST
from Waiting to Claim
Cool Shades & Warm Hues
of Summer Fashions from
Paulette Martsolf
The Painted Ponies.
The Merry-Go-Round.
The Roundabout.
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PUBLISHER/EDITOR-IN-CHIEF
Robin Roberson
TECHNICAL & WEBSITE DESIGN
AdPow, Inc.
BoomerBuzz RADIO DIRECTOR
Raul Enriquez
PUBLIC RELATIONS
Isabell Rossignol
PHOTOGRAPHY
Becca Menig & Katherine Garcia
CONTRIBUTING WRITERS
Tara Anderson
Julese Crenshaw
Angela S. Deppe
Susan Hamilton
Pam Russell
Stephan Sardone
Karol Wilson
CONTRIBUTING PHOTOGRAPHY
Greg Metz



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PUBLISHERS LETTER/ 06
PUBLISHERS LETTER
Oh the sultry dog days of summer when we observe the
warmest temperatures of the season! But this year Mother
Nature has blessed us with a polar vortex has given many of
a reprieve!
In this issue, enjoy Karol Wilsons cool summer dining with
easy recipes that beat the heat including a healthy snack for
Fido! And you will delight in the cool shades and warm hues
of summer fashions from Dallas designer, Paulette Martsolf,
owner of Allie-Coosh where she creates for every age and
body type.
If you like reviews you will take joy in Cynthia Stocks
assessment of Wolfgang Pucks diamond in the rough, Five
Sixty, where you can dine in the clouds while viewing the
Dallas skyline. She also contributed an enlightening report on
The Husbands Secret by Liane Moriarty.
We wanted to include more visuals in this issue with an outstanding look at the Dominican Republic, an
exotic island of ancient and modern cultures, and hopefully The Painted Ponies. The Merry-Go-Round,
The Roundabout will bring back pleasant memories from your youth. Reclaimed wood is a designer
trend in dcor and Stephan Sardone, owner of Sardone Construction, shows you fabulous examples of
how to incorporate this into your home, office or business.
And on a more serious note, power-packed informative content from Angela S. Deppe, CPA shares
insights on Who Benefits Most from Waiting to Claim Social Security and There Is Nothing More
American. Pam Russell reflects on grief and the emotions it stirs, while Susan Hamilton discusses making
more money the smart way. In News Worthy the Miller Study will grab your attention if you have a
loved one who suffers from memory loss and/or slow cognition!
We hope you will plan your last minute dog days of summer vacations with wonderful suggestions in
BoomerBuzz Travel and enjoy listening to our streaming BoomerBuzz Radio while reading. Both are
easily found on BoomerBuzzMagazine.com.
Thanks for reading and stay cool,

07 | FEATURE



A Diamond in the Rough: Wolfgang Pucks Five Sixty
By Cynthia Stock


The first place I would take anyone who has never been to Dallas is Wolfgang Pucks Five Sixty
restaurant at Reunion Tower. Thanks to HBOs Deadwood, AMCs Hell on Wheels, TNTs Dallas
and writers Terry C. Johnston, Elmer Kelton, and Louis L Amour, a tourist might expect to find
Dallas a cross between Zane Grey and Fifty Shades of Gray. The visual panoply and culinary
delights offered by Five Sixty establish Dallas beauty and its ability to satisfy the most critical
palates.
I visited twice to make sure my first impressions were justified. My second visit, I took my
husband to dinner to celebrate upcoming Fathers Day. The sights and service did not
disappoint.

FEATURE | 08

The restaurant sits at a height of forty-two stories. On a Tuesday night, an elevator concierge,
Drew, offered casual commentary. My ears popped twice. Images reflecting off another
building shape-shifted in vivid silvers and red. Although the ride was smooth, it took my
stomach a few seconds to catch up with the rest of my body. During our swift ascent, the
landscape changed from normal dimensions to model train size. To the south, an expanse of
miniature trees huddled on the ground. The Trinity River cut a thin line through a modest field
of grass. The sun overwhelmed the delicate arches of the Margaret Hunt-Hill Bridge.
Surrounding the tower, a variety of new and old architecture define the city. The infamous
Book Depository sits alone, austere at the corner of Dealey Plaza. Watching the traffic flow, I
relived news reports and imagined the urgent transport of a president. Looking down, the Old
Red Courthouse stands out like a magical castle with peaked turrets, a watch tower, and a
geometrically artistic roof in dark gray, light gray, and brick colored shingles. Ironically, just
south across the freeway stands Lew Sterrett County Jail and a row of bail bond offices. The
Omni Hotel abuts the Belo Building which has its own small park and fountain. The Omni, like
the Hunt-Hill Bridge, provides the visual dessert for diners once the sun sets. There is not just
one flow of traffic, but three: cars on the freeway, freight trains, and the light rail crisscross the
view from the top. The density of traffic didnt diminish during the entire visit and made me
appreciate the frenetic pace of urban life.
I requested a table next to the outer windows for a view framed by six-armed contiguous metal
stars, the center of each bearing lights programmed to flash and change color, providing a light
show for anyone coming downtown at night.
Five Sixty declares itself an Asian fusion restaurant. I didnt really know what that meant until I
looked it up. Asian fusion combines different cooking styles and techniques from around the
world to make different dishes.
The table settings are simple. Plain white
dishes sit atop bamboo weave looking
placemats. Wooden chopsticks are
propped upon a smooth black stone. The
water glasses look like half-tears. Food
items, the wine list, and cocktail options
are presented in traditional leather bound
booklets. Chris, our waiter, dressed in a
black vest and slacks, looked professional
and answered any questions we had
about the menu. He explained that all
food was cooked at once so he needed
our orders for both appetizers and entrees. Once that was done, our drinks appeared quickly
and we had time to enjoyed the view and accommodate to the slow sense or rotation.
While we waited, Chris brought a small plate of green beans with candied walnuts and sesame
seeds. I enjoyed the blend of sweet and sesame. We watched the world go by, watched the
suns descent. I have seen many sunsets, but from this vantage point, once the sun was two-
09 | FEATURE

thirds below the horizon, the rest dropped away in just a minute. Points of interest turned from
landscape to lights. The Omni Hotel lights pulsed and danced in various shapes and colors.
Scattered patterns of blue, pink, purple, and orange hypnotized the observer. The lines of cars
turned into strings of gems. And cell towers beckoned. With every inch of rotation, something
new appeared.
For appetizers my husband and I shared spring rolls and crystal chive crab dumplings. The
spring rolls contained lobster and shrimp in a wrap so thin and flaky it dissolved in your mouth.
The honey-ten spice sauce was neither too sweet, nor too salty. Crab, shrimp, and ground pork
filled the flat, oval shaped dumpling. Without the dipping sauce, each bite had enough spice to
get my attention, but not enough to make me need a sip of water. Hot Chinese mustard or
Szechuan chili-garlic sauce added to the flavor but in an understated, not eye-watering way.
For my entre, I chose the stir-fried velvet chicken. A thin dark sauce covered thinly sliced
pieces of chicken mixed with kernels of corn, red onion, and mushrooms. White rice came with
the dish, but there was so much meat and vegetables, I ate little of the rice. My husband
ordered tilefish, pronounced Ta-eel. The tilefish is a deep sea creature that feeds on crab and
shrimp making the meat firm, tender, and sweet. Served on a bed of spinach with bits of
shrimp, it came with a sweet sauce and rice.
I debated about dessert because the chicken filled me, but it WAS a Fathers Day celebration. I
wavered until Chris recommended the double chocolate mousse. I think he said it was a bit of
extreme decadence. My husband picked a strawberry-rhubarb crumble. The mousse added at
least one hour to my weekly work-out regimen. It had a light, fluffy texture, but burst with
chocolate and bathed in a cluster of sweet, dark cherries. The crumble appeared via a rolling
table where a cook scooped it from a hot pan onto a plate and placed a dollop of lavender ice
cream next to the steaming bits of strawberry and rhubarb. Written on the rim of the plate in
chocolate sauce was Happy Fathers Day. There was nothing left over from this meal.
To talk about a restaurant without recognizing the wait staff would be like talking about a
hospital and not talking about nurses. I asked Chris why he thought he got hired over another
applicant. He credited good timing and an immediate connection with his manager. But he also
discussed maturity, that his age associated him with a different work ethic and commitment
that someone in college, putting himself through school or in Dallas for the summer, might not
have. He talked about his family and how he strives to raise his children. For me his willingness
to share was the best part of the evening.
Five Sixty is a rare and special treat for anyone wanting a unique look at Dallas, deliciously
different food, and professional service.

Cynthia Stock is a free-lance writer, a published author, and a Registered Nurse who lives in Garland, TX.
Visit www.Cynthia-Stock.com

11 | FEATURE
Who Benefits Most From Waiting to Claim?
Maximizing Your Social Security Benefit
By Angela S. Deppe, C.P.A.

On May 27, 2014 the Government
Accountability Office (GAO) issued a report
stating that lower- and middle-income retirees
are much less likely than wealthy retirees to
wait to claim their Social Security benefit. As
youve probably heard over and over by now,
for most people it makes financial sense to
delay claiming your Social Security. So, why the
disconnect?

The GAO conducted this study to find out
exactly that: to better understand the
circumstances faced by those who claim Social
Security benefits early. Although it is possible
to claim benefits as early as age 62, your benefit
rises 6-8% annually for every year you delay
between ages 62-70. A person with a $1000
benefit at Full Retirement Age (FRA) of 66
receives only $750 if he claims early at age 62.
On the flip side, if he waits until age 70, he will
receive $1320. Thats nearly double what hed
receive by claiming early at age 62!
The GAO study found that those who were
more likely to claim early: had worked at least
35 years by age 60-62, were out of the
workforce at age 60-62, held blue collar jobs at
age 60-62, had earned less than a college
degree, OR didnt expect to live past age 75.
For example, those who had worked at least 35
years by age 60-62 were 38% more likely to
claim early. Those that worked in physically
demanding blue-collar jobs were 55% more
likely to claim early than those in other
FEATURE | 12
occupations. And those who held less than a
college degree were 23% more likely to claim
early.
The same study found that those who were less
likely to claim early: were employed full-time at
age 60-62, held managerial or professional jobs
at age 60-62, OR had greater income and
wealth in retirement and relied less on Social
Security. For example, those who were
employed full-time at age 60-62 were 30% less
likely to claim early. And those that held
managerial or professional jobs at age 60-62
were 32% less likely to claim early.
The study showed that the median income for
those who delayed was 45% higher than those
who claimed early. Its important to note that
although those who delayed claiming had
higher median Social Security incomes, those
benefits made up a smaller percentage of their
total household income. However, as both
early and delayed claimers aged, Social Security
benefits accounted for a larger share of total
household income for both early and delayed
claimers.

The good news in the report is that more
people are waiting to claim Social Security. 43%
of men and 49% of women born in 1935
claimed benefits at age 62. In contrast, for
those born in 1946, those percentages
decreased to 32% of men and 38% of women
who claimed benefits at age 62. Age 62
remains to be the most common age to claim
benefits (early) and the majority tend to claim
by their Full Retirement Age (FRA). For those
born in 1946, only 8% of men and 7% of women
waited to age 67 or later to claim.
So, the message remains the same: For the
majority, it makes financial sense to delay
claiming your Social Security. However, due to
life circumstances and personal situations, the
majority still chooses to claim early and receive
reduced Social Security benefits. And there
stands the disconnect.
For more information on how you can maximize
your Social Security benefit, please go
to www.socialsecuritycentral.com. They offer
the only online Social Security Benefit
Maximization Calculator that provides the user
instant results with a step-by-step guide.
Angela S. Deppe is a CPA, founder
of SocialSecurityCentral.com and its easy-to-use
Benefit Maximization Calculator, and co-author
of It's Your Money! Simply Strategies To Maximize
Your Social Security Benefits. She has been featured
in The New York Times, USNews, MarketWatch,
Investors Business Daily & Alaskan Airlines
Magazine, and is a contributing writer to
BoomerBuzz Magazine.

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PR News Award: Blogger of the Year, Tim Haran
USANA has been a member of the Council for Responsible Nutrition since 2009
MountainWest Capital Network named USANA the #11 Top Revenue Growth
Company in 2010 (our 6th time on the list)`
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For More Information, Contact Sonja Kabell 972-935-6484
HEALTHY BALANCE | 14
Nutrition for Every Stage of Life
By Tara Anderson

Seniors:
The need for some nutrients increases. Because bone density decreases, it is
important to increase your intake of vitamin D when over the age of 70. The
sun is the absolute best source of this vitamin. 15-20 minutes of full-face
exposure (without sunscreen) per day makes a huge
difference.

Adults:
Maintain a balanced diet. It is imperative to maintain a
balanced diet as responsibilities (and stress) increase.
Drinking plenty of water, as well as getting enough sleep
are also keys to keeping your body healthy and happy. It is also important to give
your body the nutrients it needs: protein, complex carbohydrates, plenty of leafy
greens and fresh, seasonal fruit.


Teens:
Adequate calcium intake is critical. Calcium is needed to achieve peak bone
mass, which is reached in late teens and early twenties. Consider your teens
activities when meal planning. An athlete and a non-athlete may be eating at
the same table. Their plates should not necessarily look the same.

Toddlers:
Vitamins and minerals need to increase.
To insure that your child is receiving the recommended amounts of
vitamins A, C, and E, as well as the minerals calcium, iron, and zinc,
make sure they are eating a variety and plenty of fruits and
vegetables. These nutrients are essential to health, growth, and
development.

Infants:
Fat is their friend. Because fatty acids are essential for the rapid
brain growth and nervous system development that take place in
the first 1 to 2 years of life, make sure your child is getting enough
fat in their diet (35-45%). Full-fat yogurt, avocado, fatty fish (such
as wild salmon), whole eggs, and nuts (after the age of 1) are all
great ways to get healthy fats into your little ones diet.
Tara Anderson is a mom, a wife, a chef and the owner of Half Pint Palates who enjoys
sharing food tips, recipes and more with consumers.
15 | HEALTHY BALANCE

Fun (and Tasty) Frugal Foods
By Karol Wilson

Watching ones budget is on everyones mind these days, including food. With the trend towards using
more fresh foods comes a somewhat false belief that fresh means expensive. I contend that if you use
seasonal foods and ingredients that can be re-purposed, you can eat like a king on that beer budget youve
set.
The following recipes for humans refrigerate beautifully if there are leftovers. Youll use the Greek
yogurt in the carrot salad for breakfast or any number of other recipes. Mint? Ask or discreetly borrow
from a neighbor if you dont grow your own. For the roasted chicken thighs with basil, just use what you
might be growing in the backyard. If youre not a gardener, save a couple of dollars and stop by and buy
a basil plant at a nursery. The packaged basil is super expensive comparatively at the store and its a cinch
to grow in a pot through October. Fresh peaches are in season and at bargain prices.
As far as the recipe for dog treatstry it, your four-legged friend will love it. The homemade chips are so
much cheaper than some of the treats at the pet store. Buy a few extra sweet potatoes for yourself as
theyre a nutritious and yummy addition to a dinner menu.

Summer Night Supper
Appetizer: Consider hummus (Im partial to the red pepper flavor) with some simple water crackers. Use
the leftover hummus instead of mayonnaise on sandwiches.

Curried Carrot Salad with Non-fat Yogurt
Serves 4 - 6
Ingredients:
cup plain, non-fat Greek yogurt

2 Tbsp. chopped fresh mint
1 large green onion, chopped
1 tsp. fresh lemon juice
- 1 tsp. mild (sweet) curry powder
1 lb. carrots, peeled and coarsely grated (often
available pre-made at grocery)
cup dried currants
Preparation:
Whisk first five ingredients in a large bowl. Add the
carrots and currants; toss to coat. Season to taste with salt and pepper.
HEALTHY BALANCE | 16

Roasted Chicken Thighs with Peaches, Basil and Ginger
Serves 3
If you choose not to serve the carrot salad, a simple tossed salad will be great. Plate the chicken with brown rice
with some sauted green onions in a little butter. Bread, such as a baguette, would be a nice to sop up the sauce.

Ingredients:
lb. hard peaches (A little greenish. If ripe, drain a bit of the juice)
1 lb. boneless chicken thighs, cut into 1-inch strips
2 Tbsp. evoo
2 Tbsp. dry sherry
2 Tbsp. chopped fresh basil
2 minced garlic cloves
1 inch-long fresh ginger root, grated OR about tsp. ginger powder
tsp. kosher salt, tsp. pepper
Preparation:
Preheat oven to 400 degrees. Peel and halve the peaches. Remove pits and slice fruit thick.
In a 9 x 13 pan, toss all ingredients except 1 Tbsp. of basil.
Roast until meat is cooked through and peaches are softened, about 20 minutes.
Garnish with remaining basil. Sauce will be thin.
Serve with bread or brown rice.
17 |HEALTHY BALANCE

Sweet Potato Chips For You & the Dogs


Preheat oven to 225 degrees.
Wash sweet potatoes. No need
to peel unless you really want
to. Slice into -inch slices.
Line a cookie sheet with foil.
Place slices in a single layer on
the cookie sheet. Bake 2.5 3
hours until crunch looking.
Cool and store in a cookie tin.





Karol Wilson is a Dallas-based publicist and food-writer. Currently working on her first cookbook, Karol is a longtime member of the prestigious
and worldwide organization, Les Dames dEscoffier. Members are voted in for their experience in the food, wine, and hospitality industries. The
Dallas Chapter raises significant funds for women interested in these fields and supports numerous nutrition-related programs throughout
North Texas. karolwilson@hotmail.com


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Helping you with the key components to health! Call today for more formation on
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Call today at 972-935-6484 for more information

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19 | NEWS WORTHY
Using Reclaimed Wood
By Stephan Sardone

Of the many ways to reduce, reuse, and recycle, reclaiming old wood for new purposes is one of
the more-exciting ways. It can be used in any way new lumber can, such as for flooring, siding,
paneling, decking, etc. If you are intrigued by the idea of the wood in your home having real
history, natural beauty, and enhanced character, then reclaimed wood may be the right choice.
TerraMai has beautiful options of reclaimed wood, including redwood that is reclaimed from
wine barrels! Besides the woods history and beauty, there are a couple of big advantages that
reclaimed wood offers. Since it is reclaimed, it is old, dense wood meaning it was milled
decades ago and offers a stability you wont find in new lumber from younger trees. In addition
to getting beautiful, aged hardwood, you are also not contributing to the clear-cutting of forests.
As Dwell.com states, reclaiming about one million board feet of lumber saves a thousand acres
of old-growth forest. Now that is something to feel incredible about!
Check out these 4 images of the amazing work done with TerraMais reclaimed wood!

NEWS WORTHY | 20
































Stephan Sardone, owner of Sardone Construction,
has been serving the Dallas/Fort Worth metroplex
since 2000, with home renovations & commercial
remodeling. He has gained a reputation for quality.
He enjoys writing about exciting remodels, unique
techniques, and new products.
www.sardoneconstruction.com

21 | NEWS WORTHY

Successful Study: 100% Benefit
Restoring Memory & Cognition Using Enhanced Nutrition

Many of you may have family members or
individuals who live with the challenge of
memory loss and cognition with mental
confusion. A recent study gives hope that
nutrition could be a major factor in those
fighting dementias and Alzheimers.
Currently, conventional medicine and science
offers little encouragement for those with such
a problem. The Miller School of Medicine in
cooperation with the Miami Jewish Health
System has published a clinical study in which
enhanced nutrition resulted in a 100% benefit
to patients that included those with far
advanced symptoms.
The study, "The Effect of an Aloe Polymannose
Multinutrient Complex on Cognitive and
Immune Functioning in Alzheimers Disease,"
was published in the Journal of Alzheimers
Disease in January 2013 (J Alzheimers Dis.
2013;33(2):393-406.), led by John E. Lewis,
Ph.D., associate professor of psychiatry and
behavioral sciences, was to test if a dietary
supplement, aloe polymannose multinutrient
complex (APMC), might improve mental
conditions.
In an interview with NEWSMAX, Lewis added.
Helping the body to heal itself would be an
important step forward for patients. Improved
nutrition is safe, effective, and feasible for
patients and the nation. Read the full
interview: http://goo.gl/xeFj3Y
Dr. John Lewis states that 100% demonstrated
some benefit, with 46% showing clinically and
statistically significant memory and cognitive
improvement, a first time observation of the
seasoned clinical research team, and 23%
maintained their cognitive functioning at the
end of 12 months.
The neuropsychologist who monitored the
patients, Mairelys Martinez, stated in a
recorded interview, This is the first study of
this type in which advanced patients were
included; all prior studies only accepted
patients in the early or mild stage of this health
problem. In addition, there were improved
qualities of life the patients experienced that
were not revealed in the published
manuscript.

With 10,000 people a day turning 65 and over 5
million suffering from dementias and
Alzheimers, a small study like this important
because it is among the first to provide
evidence that improved nutrition may be able
to reverse brain deterioration.
NEWS WORTHY | 22

What is Dementia? How do I know if it is Alzheimers?
I do not want to take drugs! What can be done to help?

Dementia is neither an illness nor a single symptom, but rather a complex group of symptoms
that impair how people function on an everyday basis and usually hits people in midlife.
Alzheimers is a common type of dementia which causes problems with memory, thinking, and
behavior. It is progressive disease which is why it is important to recognize the symptoms sooner
rather than later.
While a person with dementia may not have all of the possible signs of the disease, he or she
will have at least some of the symptoms with short-term memory loss being among the most
common, along with confusion and a diminished ability to stay organized. Patients can become
easily agitated or grow paranoid, even to the point they hallucinate.
Memory loss may be mild in the early stages and may include getting confused in familiar
places, taking longer than usual to complete normal daily tasks and forgetting common tasks
people are affected differently and at different rates of progression.
As those with dementia and Alzheimers progress - or worsen they will move through
different stages of the disease.
Moderate Stage
Increased memory loss and confusion
Problems recognizing family and friends
Continuously repeating stories, favorite
wants, or motions
Difficulty doing things that have multiple
steps, like getting dressed
Lack of concern for hygiene and
appearance
Severe Stage
Inability to recognize oneself or family
Inability to communicate
Lack of control over bowel and bladder
Groaning, moaning, or grunting
Needing help with all daily activities
What Is My Life Purpose?











Are You Asking Yourself
Are You Asking Yourself
How Can My Life Change? How Can I Stop Worrying?
How Can I Stop Struggling? How Can I Stop Failing?
The simple answer is you may be out of touch with your True Self.
.
Call 972-974-2094


Call 972-974-2094
For a private consultation (in person or over the phone) or Contact Us at www.valeriegrimes.com
Whether you are 30, 50, or 75 you
might be asking that question.
The answer is found in the process
of reconnecting to your True Self.
Sounds easy? And, it can be.
Return Them to a Natural State of Balance & Activate Your Full Potential.
Discover & Live Your Lifes Purpose!

Discount
The Cool Shades of Summer
Paulette Martsolf Designs






Allie-Coosh
6726 Snider Plaza
Dallas, TX 75205


Phone
214-363-8616

The Warm Hues of Summer











Each collection is created in the Dallas workshop with styles to flatter every body type
Not all styles are in store; clothes pictured are some examples of her overall summer looks /style and to grant an idea/vision of
what Allie-Coosh offers.

29 | YOUR STYLE
A Compelling Beach Read: The Husbands Secret
By Cynthia Stock
My favorite books pull me into settings as vivid as my real world and introduce me to
characters I want to meet and hope to win as friends. I read The Shining cover-to-cover in one
day. I didnt skim one page or skip one word and mourned leaving the world of the Overlook
Hotel.
I opened The Husbands Secret, by Liane Moriarty, recommended by a friend who is a voracious
reader, planning to read just a few chapters before doing my day-off-from-work chores. Seven
hours later I turned the last page. Today my moral compass still contemplates the characters,
the plot, the outcome, and the question: What would I have done? It is a novel both easy to
read and hard to let go.

The first three chapters introduce three separate families facing three different, yet common
crises of human relations. Cecilia and John-Paul Fitzpatrick, married for years, and the parents
of three unique and interesting children, are suffering from insurmountable walls of silence,
loss of sexual appetite, and anxiety. Symbolized by Esther, their eldest childs interest in the
construction and razing of the Berlin wall, from Cecilias perspective, something stands
between her and John-Paul. She contemplates the usual, an affair, and the not-so-usual, latent
homosexuality. She blames herself, her unimpressive life, her task of coordinating a life issued
in a thousand tiny pieces. In the course of her wondering what is wrong, she finds a letter to
her from her husband: To be opened only in the event of my death. From the point of its
discovery, its contents not revealed at the time, I couldnt stop reading.

Your Style |30

Next Moriarty introduces the business mnage a trois of Will, Tess, and Felicity. Although Will
and Tess are married, because of her friendship with Tess, Felicity has been ever-present in
Tess life. In the process of building a business, boundaries blurred. Will and Felicity confess to
contemplating the consummation of their infatuation with each other. Tess takes her and Wills
son, Liam, and retreats to Sydney, where her mother, Lucy, helps her regroup and recover from
the betrayal by Will and her best friend.
Finally the reader meets Rachel Crowley, whose adult son, Rob, has lived in the shadow of
tragedy and loss. Rachels other child, Janie, was murdered, the killer never caught. Rachel has
always been suspicious of a teacher at the school where she works, Connor Whitby, who had
been a school mate of Janies. But nothing linked him
to her daughters death. She works in restrained
silence and replays a mantra of the boy with lies in
his eyes when she sees Connor. Rachels grief and
lack of closure are exacerbated when Rob announces
he and his wife, Lauren, are moving to America and
taking Jacob, Rachels only grandson with them.
Rachel already mourns the loss of Jacob and their
time together. She states: It felt like he was dying.
But it was Rachel who was suffering, losing yet
another child.
Moriarty intertwines the lives of Cecilia, Tess, and
Rachel through the school where Rachel works. As
the novel progresses, the three lives become more
entangled. Friendships develop, emotions are shared,
and each woman reveals the depth of their
vulnerabilities and the strength of their will to
survive.
Moriartys writing flows. She provides the perfect amount of setting without overwhelming the
reader with detail. In one scene where Cecilia is at a funeral, Moriarty gifts the reader with a
simple presentation of the event, but fleshes it out by sharing the thoughts running through
Cecilias head which are out of context for a funeral, but so pressing for Cecilia.
Without belaboring Tess anguish, Moriarty shows Tess in conflict about her husband and
Felicity. In her confusion, Tess connects with Connor Whitby to fill the void created by the loss
of her two closest intimates. Tess evolves to the realization that she has used Felicity
31 | YOUR STYLE
throughout her life as a type of personal armor to protect Tess from her own insecurities. She
identifies that Felicity has always been in her life.
Rachel is presented as someone who survives through routine. She possesses a wisdom born of
her loss and believes others see her only in terms of the loss of her daughter. This changes
Rachels persona and effects how she interprets life, how she judges those around her,
including Robs wife, Lauren.
The dialogue is crisp, sometimes glib, but always accurately human. The magic of Moriartys
writing is there are no wasted words, nothing Id want or need to skip. It is not sparse writing,
but clean. Scenes urged me to linger and digest the action, but the story sped me along to find
another scene just as exciting, peppered with characters treading in an undercurrent of
foreboding. The story lines are never straight, but manage to establish a direction which warns
the reader of the approaching climax as the intricacies of each family are revealed. The
atmosphere of the novel reminded me of Wilders The Bridge of San Luis Rey. Every chapter
heightens the urgency and the danger of a coming convergence of the three families.
When the contents of the letter are revealed, they become diluted in the myriad of activities of
daily life. Cecilia contemplates her options. She weighs the richness of her life against the heft
of her husbands words.
Throughout the novel, Moriarty confronts how different people deal with loss, grief, and
disappointment. The catastrophic coming
together of three lives pushes the reader to
rethink the measures of justice, redemption, and
morality.
I started this novel as a light read. I ended with a
story that continues to spin my moral compass. It
can be read at the beach, but an umbrella and
sunscreen are required accouterments.
This review, like the novel, has an epilogue. Moriartys starts: There are so many secrets about
our lives well never know. It proceeds to list a composite of unknown truths that rewrite the
emotional ambiance of the entire novel. Each bit of information reminds me of facts
suppressed in a trial with the jury still expected to arrive at a reasonable verdict. If only they
had known a certain fact, what would they have done? Would the outcome have been
different? The take-away for each reader is personal. And although I felt blindsided by the
revelations, I felt satisfied by having yet another reason to continue pondering this novel and
my friends Cecilia, Tess, and Rachel.
Cynthia Stock is a Registered Nurse and a published author. Visit www.Cynthia-Stock.com


A PICTORIAL VIEW
The Dominican Republic
By Hanson Myers
There's no place quite like the Dominican Republic, an exotic land, the cradle of fire-dancing. Its
history is the result of an unlikely mixture of influences; a blending of European, African, and
native Tano Indian cultures which still drive the social identity of the people today.
Every aspect of their food, music, art, sports and religion provides a unique insight into the
development of this beautiful country. In a single day you can experience both ancient and
modern cultures from around the globe.

















Hanson Myers is a world traveler and freelance travel writer who calls Virginia home.
37 | REDEFINING

HELP! How Do I Make More Money, Im Out Of Time!
By Susan Hamilton








The issue isnt that youre NOT doing
enough, you know. Why do we always think
that doing more will make more money
come in? It never works, but I dont know
ANYONE who hasnt gone through a cycle
of thinking like that at least a couple of
times sometimes CONSTANTLY during
the course of their entrepreneurship.
Eventually you get to a spot where if you
did work harder or work more, youd never
do anything else! Friends, dont let your
company be the only thing in your life.
Its a big, fat, hairy lie. People who have
gone before us and others who mentor me
now, making the money that we all want to
see in our futures, say the exact. Same.
Thing.
The magic sauce youre looking for cant
even get near you with your elbows in the
air like that. It takes forced time off to see
beyond your circumstance. Every
productivity expert knows this. Its what
makes consultants and coaches a LOT of
money. People really struggle with letting
go. We cant get past bad relationships, we
cant get over cravings, we cant we cant
we cant
Wait a minute. Did you see that? Isnt
cant running around in your head and off
your tongue just a little too easily? Its
time to write a new song.
SLOW DOWN.
Stop.

REDEFINING | 38


So could busy be a prison? I teach in
prisons and jails. I know what bondage
looks like. Many think it is bars and brick
walls, but the truth is that bondage goes
deeper than that. It goes into our very hearts,
minds, and spirits. In my opinion, it starts
with not taking any control of our thought
lives. We DONT have to think every
thought that comes through our noggin.
Taking a step back allows us to really think
about what were thinking about, and gives
us an opportunity to get the bad information
out and CHOOSE to put good information
in. The decision to do that is first. The right
information is the second decision to make.
Dont settle for whats popular and whats
trending. Go for sound, common-sense,
actionable mentorship thats stood the test of
time. My favorites are Zig Ziglar and his
son, Tom, as well as Dan Kennedy, Perry
Marshall and Sandi Krakowski. I get
information from only a select few, and I
dont take it in all at once!
Some local professionals I defer to are Lissa
Duty for social media advice, Butch Bellah
for sales training, and Jeff Klein for
speaking information and venues. ALL
making waves with serious direction, focus,
and duty. And I almost forgot my business
mentor and sounding board, Jean-ann
Cooper.
I know who I can count on and where I can
find them. They answer the phone, they are
available at networking events, and they
communicate their value well. If I need
something, they provide it referrals,
advice, services. They could NOT do this at
the computer all day or pining away
working in their businesses. No. You have
to learn how to rise up over it, and see it
from above.
I know beyond a shadow of a doubt, not
only from my experience as a business
woman, but from other successful people
around me, that working SMARTER is the
ONLY option and you cannot work
smarter without the ability to back away
from the machine.

Go take a break, give yourself permission to
take a couple of days. Youll be more
productive in less time and make more
money.
When you die, your life will be reduced to
two numbers on a stone. Live between the
dashes.
Susan Hamilton Owner, Leaping Walls Consulting &
Services. Founder, Renew My Heart Ministryis a speaker
and freelance writer from Richardson, TX.

39 | REDEFINING

Theres Nothing More American Than Social Security
Will it still be around when you need it?
By Angela S. Deppe, C.P.A.
The Social Security Act was written into law during the backdrop of the Great Depression and signed by
President Franklin D. Roosevelt on August 14, 1935 as part of FDRs New Deal. It was created to protect
what were seen as dangers in the modern American life: old age, poverty, unemployment, and the
burdens of widows and fatherless children. Think of it as a financial safety net. It promised the American
people some measure of protection against the loss of a job and against poverty-ridden old age.

Social Security is a social insurance program that is primarily funded through dedicated payroll taxes
called Federal Insurance Contributions Act (FICA). It is the largest government program of its type in the
world as measured in dollars and is one of the single greatest expenditures in the federal budget. Even
though it was written into law in 1935, payroll taxes werent collected to pay for the system until 1937.
Originally, you had the choice of taking a lump sum or monthly payout. In the first 3 years, everyone
took the lump sum, with Ernest Ackerman being the first American to receive a lump sum payment in
1937. He received a total of 17 cents and had paid 5 cents into the program. The first monthly check was
issued in January of 1940 to Ida May Fuller of Ludlow, VT. She is also the first American who truly
maximized the value of her Social Security benefit. She paid a total of $24.75 into the system for 3 years,
1937, 1938 and 1939. The first monthly payment she received was for $22.54, and by her second check
she had already received more out of Social Security than she had paid into the system. Any guess on
how long Ida May lived for? Let me give you a hint. In the 1930s, if you lived until 60 you were doing
pretty well. In fact, life expectancy in 1930 was only 58 for men and 62 for women. Miss Fuller actually
lived to be 100 years old and maximized her benefits by choosing the monthly payout. Over her lifetime,
she collected just under $23,000 in total Social Security benefits having contributed only $24.75 - a
return of over 92,000%! Its a wonderful story (posted on www.ssa.gov), but also highlights the
importance of understanding how you can maximize your Social Security benefits. Just think, what if Ida
May had taken the lump-sum payout?
Many Americans believe that for a myriad of reasons, Social Security is going bust very quickly. Much of
the information that your have read or heard about regarding the lack of solvency in the near term is
simply bad information. The current long-term financial condition of the Social Security program
REDEFINING | 40
remains challenging and will require legislative modifications due to substantial cost growth in the
upcoming decades. This is the result of an aging population (we are living longer) and fewer workers per
retiree paying into the system. However, the 2012 report on the status of Social Security and Medicare
Programs by the Board of Trustees who oversee the fund found that if left alone, the Social Security
Trust Fund will be able to pay all benefits though 2021 simply from the interest earned on the fund
itself. After 2021, tapping both principal and interest from the fund will support and pay all scheduled
benefits as is through 2033. Thereafter, collected receipts from income tax (FICA) would be able to pay
75% of current benefits through 2086. While the Social Security system will need legislative change to
avoid its long-term financial challenges and potential to disrupt payments for todays young workforce,
the summary by the funds trustees found that it currently satisfies the conditions for short-term
financial adequacy.
By law, the trustees are required to publish a current status summary of the Social Security and
Medicare programs and make a 75-year long-term forecast of the program. The need to reform the
system is nothing new. In fact, there have been many modifications to the system over the years to
ensure its solvency. The first changes to Social Security were made back in 1939, four years after it was
signed into law. Back then, one reason sited for the changes was the growing concern over the impact
that payroll taxes were having on the economy. The payroll taxes were even partially blamed for the
Recession of 1937. Sound familiar? During the early
1980s, the Reagan administration along with Congress
made several controversial changes, including: raising
the amount that employers and workers contributed,
gradually increasing the Full Retirement Age (FRA) from
65 to age 67, and creating the idea of means testing
by making Social Security benefits taxable for higher-
income individuals. As a result, the Social Security
system began to generate surplus funds designed to
cover the added costs of the baby boomers. President
Reagan summarized these needed changes by stating,
Social Security assures the elderly that America will
always keep the promises made in troubled times a half
century ago. To insure the long-term promise of Social
Security, we join others in acknowledging a need to
make changes to the current system including, raising
the FRA, raising payroll taxes, and diversifying the Social Security Trust Fund. However, none of these
changes would have a material affect for Americans 55 and older according to the experts
1
.
Bottom line, claiming your Social Security benefits early because you think the system is going broke and
you wont get your money is a poor decision. Furthermore, it is an uninformed and uneducated
decision, yet has remained a mindset since the early days of the program. Claiming early can cost you
and your family thousands of needed retirement dollars and will not allow you to maximize the benefits
you worked hard for so many years to earn. Think if in 1940 Ida May Fuller took a lump sum based out of
fear instead of the monthly lifetime check she continued to receive until she passed away in 1975 at age
100!
Angela S. Deppe is a CPA, founder of SocialSecurityCentral.com and its easy-to-use Benefit Maximization Calculator, and co-
author of It's Your Money! Simply Strategies To Maximize Your Social Security Benefits. She lives with her family in Chicago.

1
Boston Colleges Center for Retirement Research
41 | SENIOR SCENE

The Gift of Time
By Pam Russell

Grief. It can come like a thief in the night. Leaving you feeling violated, devastated and lost. I lost my
parents a few days apart in December 2004. I can easily say that I felt all of those thingsoh, lets not
forget anger. I dont wish it on anyone but it is a reality of life. Losing people we love so dearly and
having to find a way to move on with our life afterwards when we often want to crawl in a whole and
never come out.

I remember the fog in the days, weeks and even months afterward. Seeing people walking around
smiling, laughing and living life while I was thinking, Stop. Can you not see that my heart is broken into
a million pieces? I cant breathe. Have you felt that way?

Then healing came.
Slowly but surely.
With time.
Time.

Healing doesnt mean you wont have a scar.
Healing means you begin to live again.

One of the things I recommend to people going
through and/or struggling with grief is to give
yourself the gift of time. Time. There is no set
rule or policy on how long you are allowed to
grieve. Others may try to make you feel like
you have been grieving too long or not long
enough.

Be patient with yourself.
Be kind to yourself.
Be healthy about it.

Grief is a unique process for each individual and each loss. For some its black. For some it is white. For
some its black and white. Honor that uniqueness in yourself and others.

We want to press fast forward.
We cant.
It is a process.

Don't stop living but allow yourself to walk through your own process. We cant rush it even though we
want to get through it as fast as we canto stop the excruciating pain. Walk through it not away from it.
By choosing to walk away from it, the grief, the feelings, instead of through it, can alter the process and
could prolong healing. Through it not away from it.

One breathe at a time. One tear at a time. One step at a time. Time.


Pam Russell empowers entrepreneurs and small businesses to Be Noticed, Be Coached and Be Inspired.
Find out how at http://www.pam-russell.com/

SENIOR SCENE | 42

FLOYD PIONEER CEMETERY
At Restland Funeral Home

J ohn B. Floyd, his wife J ulia, and their six sons came to Texas from Kentucky in 1855. He bought 900
acres in Dallas County for $4 an acre. Restland Cemetery encompasses part of the original 900
acres. Floyd Road is named for this family.
The Floyds built the first 2-story house which also served as an inn for many years, known as the Stage
Coach Inn and the Floyd Inn. Several notorious outlaws were said to have stayed at the inn the
Younger Brothers, Sam Bass, and Belle Starr.
In the 1860s, J ohn Floyd set aside an acre
of land for a cemetery after two children
passing through the area on their way west
died of diphtheria while staying at the
inn. J ohn and J ulia Floyd are both buried
in this cemetery as are many of their
descendants.
The Floyd family sold most of their land in
1910 but retained control over the Floyd
Cemetery. The Floyd Inn was torn down
in 1920. In 1924 Restland Memorial Park
Cemetery incorporated the Floyd Pioneer
Cemetery into their perpetual care
program. Floyd family members are still
being buried in the Floyd Pioneer
Cemetery. A Texas Historical Marker was
placed at the site on December 11, 1976.




Restland Funeral Home and Memorial Park
(972) 238-7111
RestlandFuneralHome.com

43 | SENIOR SCENE

The Painted Ponies. The Merry-Go-Round. The Roundabout.
The Carousel of Your Youth
By Julese Crenshaw
All names for the carousel, that magical machine full of brightly colored wooden animals,
mirrors, lights, and carnival music usually provided by a Wurlitzer band organ. Ahhh the
memories.
Relationships with other people may not be easy, friends are not always around so sometimes
we need to find other things to fill our days. Recalling memories and making new ones is an
easy way to bring some joy and happiness into life.
Most everyone has encountered a carousel at some point in their life and likely have a favorite
memory. Today carousels are everywhere. We see them at every theme park, local fair and
mall. But these lightweight fiberglass rides are only a reflection of the craftsmanship and
artistry of the wooden carousel that once captured the world's imagination.

Carousels have a rich history that combines recreation, design and entertainment to create the
beautiful amusement park rides people of all ages appreciate today. The word carousel comes
from the Italian word carosello (meaning "little war"). Carosello was a 12th-century game
played by the Arabs and Turks, on horseback, using scented balls tossed from one to another.
Anyone missing a catch was readily identified by the perfume they were doused with when the
scented ball broke on impact.
Carosello was adopted by the French into an exhibition (now called carousel) of many types of
horsemanship pageantry and competition, and because of the practice ring for knights, the
carousel was born. The carousel gained even more popularity when steam power was
harnessed to drive the platform around and around.
Though there were a few carousels operating in the US by the end of the Civil War, the real
"golden age" of the carousel was from about 1880 to about 1930. In addition to the master
carvers whose companies bore their name (such as Dentzel and Illions), and several famous
master carvers included Daniel Muller, Charles Carmel, John Zalar, and Salvatore Cerniglario.
Sadly, out of the many thousands of hand-carved carousels that were built during the 'golden
age', only a small fraction have survived, less than 200. Conservation organizations such as the
National Carousel Association have done much to preserve the few remaining carousels for
future generations. After all - they are magic...just try to ride one with a frown on your face! It
won't stay there for long....

Julese Crenshaw is a freelance writer from Tennessee.


A Dentzel Outside Row Stander at the Carousel at Fair Park in Dallas, TX.

The Columbia Carousel at Californias Great America Park in Santa Clara, CA

The Black Charger on the Illions-Mangels carousel. Columbus Zoo, Columbus, OH

The Flying Horse Carousel in Watch Hill in the town of Westerly, Rhode Island is a state designated
historical landmark and it may or may not be the oldest carousel in the nation, but it is certainly the
oldest of its type ("in which the horses are suspended from a center frame"). The carousel is believed to
have been built 1876 by the Charles W. Dare Company as part of a traveling carnival until 1879 when the
carnival was forced to abandon the carousel in Watch Hill.







The 1924 Spillman Engineering
"Over the J umps" Carousel at
Little Rock Zoo in Little Rock,
AR.




Carmel Carousel at Griffith Park in Los Angeles, CA

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