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Glory Days & maturity What to buy — and what not to buy — in June By Lauren Davidson The Atlanta Journal-Constitution (MCT) Shop for savings on a range of items, including Caribbean vacations and apparel, in June: Father's Day gifts: Bargains can be found "in lots of different departments, and some where you don't expect _ like housewares, and shavers and personal care items for men," said Dan Butler, vice president of retail oper- ations for the National Retail Federation. "They can be anywhere from 25 to 40 to 50 percent off." In cosmet- ics, men's fragrances might be sold in larger sizes or as package deals. PHILADELPHIA (MCT) — No one knows what tomorrow holds. But if biology is destiny, or even a major piece of it, Michael and Linda Dzuba had good reason to pon- der a long future as they neared their 60th birth- days. And perhaps reason to worry just a bit. Each of their fathers Also look for free gifts with purchases for Dad. But- ler has seen duffel bags, totes and even clocks packaged together as Father's Day promotions. Caribbean vacations: "You'll start seeing really cheap cruises and vacation packages to anywhere in the Caribbean, mainly because it's hurricane season," said Lindsay Sakraida, features editor at DealNews.com. Booking a Caribbean trip from June through November is riskier, but that's when the best prices will be avail- able. had lived to nearly 90, and Michael's mother was still going strong in her late 80s. Linda's mother died after giving birth to her, but she was raised largely by an aunt who lived to 102. Lingerie: Victoria's Secret typically offers its semi- annual sale in June. "Last year we saw panties for as low as $3, and bras for as low as $12, which is a really good deal when you consider how expensive some of those things can get," Sakraida said. Other brands that offered steep June discounts last year include American Eagle, Frederick's of Hollywood, Macy's and Fig Leaves. Apparel clearance: "As soon as Father's Day is over, the stores begin to migrate toward clearance for Fourth of July," Butler said. Tanks, tees, shorts, sandals and swimwear are already going on sale. You'll get the best selection if you shop earlier, the best prices if you shop closer to Independence Day. Refurbished tablets: Tablet refurb deals are showing up in abundance. Apple recently cut the price on its refurbished 16GB WiFi iPad2s to $319, and the Motoro- la Zoom, the Samsung Galaxy and the BlackBerry Play- book refurbs all hit rock-bottom prices this season, Sakraida said. One caveat: "Make sure the warranty information is clearly stated," Sakraida said. "Some- times a really 'good deal' is a 'good deal' because it does- n't have any backing, and you don't want that." Also look for: Patio furniture, 46-inch brand-name TVs, laptops with Intel processors. WAIT TO BUY Higher-end sandals: "You're not going to see prior- season sales on this type of footwear," Sakraida said. Instead, the best time to get a great deal on more expen- sive sandals is late July and August. Grills: The best sales appear in July, so wait a little longer to bust out those tongs. WORST TIME TO BUY that worried them. Linda had worked for decades as a dental hygienist and educator in the Philadel- phia schools, and Michael had a healthy practice as a clinical social worker. They still lived in the house they bought in 1973 in West Mount Airy, Pa. On the strength of some smart and lucky invest- ments, they had put two children through German- town Friends School and Brown and Northwestern Universities — without any debt, amazingly enough, except a refi- nanced mortgage. It wasn't basic finances Their concern — shared by many aging boomers, even as they jest that "60 is the new 40" — was about the inevitable: Near the end of even the best-lived lives, bad and costly things can happen. And some of them, including long stays in nursing facilities or simi- lar help at home, aren't covered by Medicare or private health insurance. Only Medicaid offers sig- nificant government assis- tance as a provider of last resort for the impover- ished. Flights to Europe: "Some reports estimate interna- tional airfare this summer will be 20 percent more than two years ago," Sakraida said. "It's definitely getting more expensive. A lot of airlines are cutting back on routes they offer." Tools: Nail down the best deals in July, Sakraida said, and again toward the end of the year. complex problem that has challenged academics, advocates, and policy- makers for decades. The Dzubas recently offered to share their thoughts about the solution they This is a large and lifestyles Provider aims to keep seniors in homes Saturday, June 2, 2012 – Daily News 7A MCT photo Michael and Linda Dzuba in West Mount Airy, Penn., sit with a foster puppy. The Friends Life Care program allows them to stay in their house. chose seven years ago: following Michael's par- ents into Friends Life Care, a "continuing care community without walls" — a concept the Quaker-run nonprofit pio- neered three decades ago. Because they provide both care and financial protection, programs like Friends Life Care offer an alternative to traditional continuing-care facilities and to conventional long- term-care insurance. They've been growing in popularity recently, driven partly by the widespread desire to "age in place," and perhaps also by fall- out from the recession and the housing bubble's collapse. For many peo- ple, it's no longer so easy or attractive to sell a home and move, say, someplace warm or nearer the kids. Michael and Linda Dzuba have no desire to move anywhere. Their hope is to stay in their stone-and-brick twin, lov- ingly restored and upgraded in the past 40 years, as long as they're able. If the dozen steps lead- ing to the front door become impossible to navigate, they'll have to install a ramp. But for now, "our theory is, steps keep us young," said Michael, who has been religious about exercise since his days as a high school wrestler. "Michael wants to die in this house," said Linda, who goes to the gym, too, and who has kept active lately by fostering a Labrador retriever puppy for a program that trains service dogs. first exposure to Friends Life Care thanks to Michael's parents, Albert and Selma, who lived in a condo on Philadelphia's Washington Square and had no desire to leave home behind, either. Con- cerned about the costs of care, Selma Dzuba found Friends Life Care in the mid-1990s. And after Albert developed demen- tia, the couple made good use of it. The Dzubas got their provider rather than an insurer, the program cov- ers needs such as nursing Though classified as a and home health aides on much the same basis: When the need arises, it pays for whatever care a person requires, up to a preset daily maximum and for as many years as the member elected. After he developed dementia, Albert Dzuba eventually required costly round-the-clock care, and then a move to a facility. Michael said Friends Life Care didn't pay all the costs, but "it took out a lot of the sting." Carol Barbour, presi- dent of Friends Life Care, says the program current- ly has about 2,200 mem- bers, with fewer than 50 in-care facilities. The nonsectarian program, developed with help from the Robert Wood Johnson Foundation and the Pew Charitable Trusts, began taking members in 1990. "People join Friends Life Care because they really want to stay in their homes as long as possi- ble," Barbour said. "They are embedded in their communities, and they really want to maintain those ties." Young workers especially wary about stocks in 401ks, IRAs ERDALE, Fla. (MCT) — The stock market has recently been back on a roller coaster — again — with the S&P 500 losing almost 4 percent in the past month. That has made many workers wor- ried about their 401ks, IRAs and other retirement accounts. FORT LAUD- In Charles Schwab's latest nationwide quarter- ly retirement study, younger workers are espe- cially nervous: 29 percent of those between 18 to 34 plan to pull money out of the market, with only 11 percent of older Ameri- cans saying they would do so. ing what they do have while they save for a wed- ding or a first house, added Tobias. Jenny Rothstein, a Fort Lauderdale-based finan- cial consultant for Charles Schwab, suggested that younger investors are becoming more risk- averse as many have seen their own parents' retire- ment savings take hard hits in the last four years. They have experienced "Most of my friends aren't thinking about (investing) in stocks," said Dan Tobias, 30, an associ- ate financial planner in Plantation, Fla. They don't have much spare cash to invest in retirement or brokerage accounts, he said. They also don't want to risk los- LASSEN MEDICAL GROUP Expands Red Bluff Urgent Care to 7 days a week. www.lassenmedical.com 2450 Sister Mary Columba Drive (530) 527-0414 "very volatile times" _ and not the boom times of the 1990s when stocks rapidly climbed in value, she said. But in the past 10 years, the S&P 500 has only increased about 2 percent. Young workers also retirement accounts: 35 percent consider that more important than growing their retirement assets. Only 8 percent consider growing their retirement savings more important, the survey found. Even experienced dandelions," said Deer- field Beach, Fla., financial advisor Charles Nichols in an email. The situation doesn't look better with Nichols predicting another "dra- investors are becoming wary of the plummeting stock market, with the S&P 500 down about 7 percent from its height in April. "Investors are particu- larly frustrated that the European debt situation keeps popping up like James W. Tysinger, Jr. M.D. Eye Physician & Surgeon Schwab study found Americans concerned about protecting their could want to pull out money out of their retire- ment accounts because they want to buy a house or need the money to pay bills after losing their jobs, Rothstein added. Overall, the national Fellow American Academy of Ophthalmology We accept Medical, Medicare & most Insurances Office Hours: Tues-Wed-Thurs 8am-4:30pm Mon & Fri 1pm-4:30pm For Emergencies, After Hours, Week-ends, Call 530-567-5001 345 Hickory St. Red Bluff Tel: (530) 529-4733 Fax: (530) 529-1114 Book Today! Don't Delay - Time Running Out 14 day Alaska Cruise - 8 Ports of Call 12 day Yellowstone, Tetons & Glacier Park Tour Call (530) 529-2722 for details Mt. Lassen Motor Transit matic" year. "We hope it isn't a redo of last year," when stocks plummeted last summer before regaining their value in the fall, said Boca Raton, Fla., financial planner Mari Adam. Still, associate financial planner Tobias thinks he has time on his side and is investing in stocks. "They can sit 30 to 40 years and grow," he said.