50 July 2013 | The magazine for active, mature lifestyles
plus!
Fraud Alert: Grandparent scam continues to trick people out of money
2
SaVvy Senior
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ADRC: Transportation changes forthcoming 4 Sex Can Be Good for your Health
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Olive Cretton loves to tend to her flowers and garden in the backyard of her Mishicot home. She has survived breast and ovarian cancers. Read more about her on page 6
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FEATURE STORY:
SURVIVOR Mishicot Woman Overcomes Breast, Ovarian Cancers
50
Fraud Alert: Grandparent scam continues to trick people out of money
plus!
Staff
Pat Pankratz, 50 Plus! Editor 920-686-2138 ppankratz@htrnews.com Dale Mahloch, Advertising Manager 920-686-2124 dmahloch@htrnews.com
Imagine being awakened by a phone call in the middle of the night. It’s your crying grandchild, who is asking for money because of an accident. Of course you want to help your loved one, so you do whatever you can in this emergency situation. You open your wallet without hesitation.
50 Plus! is published monthly by the Herald Times Reporter. It also is distributed to select businesses in Manitowoc County.
Unfortunately you’ve just become a victim of a scam that is happening across the country. Known as the “grandparent scam,” this type of fraud involves bogus calls from people claiming to be relatives in trouble. The personal nature and urgency of these calls causes people to let their guard down, and act quickly without verifying the validity of the call. “Criminals often target older people, but in reality anyone of any age can be a target of a scam,” says Phil Hopkins, vice president of global security with Western Union. “With more people sharing personal information online, such as through social media websites, it’s easier for criminals to learn details of personal relationships so they can imitate loved ones by name. Newspapers and obituaries are also good sources of personal information, providing detailed relationship information.” Con artists may also impersonate attorneys,
trouble.
In addition to calling victims, hackers use similar strategies to target victims through email. Tapping into a person’s address book, scammers send emails or instant messages directly from the person’s email account alerting friends and others of the “emergency” and requesting funds. Do not respond to the email and confirm the situation by contacting the person by phone or other means. “Awareness is the best defense against emergency scams,” says Hopkins. “These scams can be convincing, but it’s important to keep a few things in mind before you rush to help.” Hopkins recommends you follow these tips to avoid becoming a victim of the emergency scam or other types of fraud: 1. If you receive a phone call or email claiming a friend or family member needs cash, take a moment to review the situation. Does it make sense? Can you verify the emergency?
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3. Let your friend or family member know that you have received a call or email from the person requesting help. If the request turns out to be fake, contact the police immediately. 4. Regardless of whether you are contacted by phone, email or some other means, be suspicious of requests to send money to “help a friend or family member out” unless you can verify the information you’ve been given with 100 percent confidence. 5. If you did send a money transfer through Western Union, and then realize that it was for a scam, contact the Western Union Fraud Hotline at 1-800-448-1492. If the transaction has not been picked up, it will be refunded to you. 6. Never send money to someone you have not met in person. 7. For more information on scams or for more tips on how to help protect yourself from scams, visit www.WesternUnion.com/stopfraud. BrandPoint
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2. Call the person at a known telephone number, not a number given to you by the caller. Or, call a mutual friend or another relative and find out if he or she is aware of the situation.
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How to Choose the Right Executor for Your Will Dear Savvy Senior: What are my options for choosing an executor for my will? I was considering asking one of my kids to do it but I don’t think any of them are up for the job. What can you tell me? Still Kicking Dear Kicking: Choosing an executor – the person or institution you put in charge of administering your estate and carrying out your final wishes – is one of the most important decisions in preparing a will. Picking the right executor can help ensure the prompt, accurate distribution of your possessions with a minimum of family friction. Some of the duties required include: • Filing court papers to start the probate process (this is generally required by law to determine the will’s validity). • Taking an inventory of everything in the estate. • Using your estate’s funds to pay bills, including taxes, funeral costs, etc. • Handling details like terminating cred-
it cards, and notifying banks and government agencies like Social Security and the post office of the death. • Preparing and filing final income tax returns. • Distributing assets to the beneficiaries named in the will. Given all the responsibility, the ideal candidate should be someone who is honest, dependable, well organized, good with paperwork and vigilant about meeting deadlines.
Who To Choose Most people think first of naming a family member, especially a spouse or child, as executor. If, however, you don’t have an obvious family member to choose, you may want to ask a trusted friend, but be sure to choose someone in good health or younger than you who will likely be around after you’re gone. Also, if your executor of choice happens to live in another state, you’ll need to check your state’s law to see if it imposes any special requirements. Some states require an out-of-state executor to be a family member or a beneficiary,
On Valentines Day of this year I was admitted to Kindred Health and Rehabilitation - North Ridge for rehab after bilateral knee replacements. The entire staff was professional, encouraging and friendly during my rehab sessions. My wife was able to join me for my meals and visitors were warmly welcomed. In less than 2 weeks they had me walking with a cane and ready to go home! I highly recommend North Ridge and the entire team of nursing and rehab professionals. Carl Pfefferkorn Francis Creek, WI
Savvy Senior continued on page 5
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50 plus! . July 2013 . 3
ADRC: Transportation changes forthcoming By Judy Rank In early July, current ForwardHealth members who are enrolled in either Wisconsin Medicaid or BadgerCare Plus programs will receive a letter from the Department of Health Services regarding a change in management of the state’s non-emergency medical transportation services. In February, LogistiCare informed the Department of Health Services that it would like to be released from its contract with the state to provide transportation to medical appointments for Medicaid and BadgerCare Plus programs. As a result, the state issued a request for proposals and has awarded a contract to MTM Inc. to provide this service effective Aug. 1. Members will continue to call the current LogistiCare phone number. Beginning July 1, anyone requesting a ride to a medical appointment will hear a prompt that asks whether the ride is requested before Aug. 1 or after Aug. 1.
For rides requested before Aug. 1, the call will be routed to LogistiCare. For rides needed on or after that date, the call will be routed to MTM. After Aug. 1, the call will go directly to MTM.
Retirement Toolkit The Department of Labor, the Social Security Administration, and the Centers of Medicare and Medicaid Services has put out a Retirement Toolkit. It includes a list of publications and interactive tools to help in planning for retirement, plus information on how to contact any of the three agencies with specific questions. It includes a timeline beginning at age 50 on up to 70 ½ with information that is helpful in setting a retirement date at each age segment. The toolkit can be accessed online at: www.dol.gov/ebsa/pdf.retirementtoolkit.pdf.
Fraud Training The Wisconsin Senior Medicare Patrol (SMP) will be offering a free training
session to individuals interesting in helping prevent Medicare fraud in their community, on Wednesday, Aug. 21, from 9:30 a.m. to 3:30 p.m. at Generations in Plymouth. For more information or to register, contact Kevin Brown at the Coalition of Wisconsin Aging Groups at 1-800-488-2596 or kbrown@ cwag.org
Ombudsmen The Department of Health Services, Bureau of Long Term Care is looking to recruit volunteer ombudsmen to work with residents and their family members by providing support and empowerment to residents of long-term care facilities. Volunteers are thoroughly screened and undergo a criminal background check at the cost of the agency prior to attending the mandatory initial seven-hour training, along with periodic in-services. Volunteers are required to commit to six months of service after training and make unannounced visits to designated long-term care facilities on a weekly basis.
To learn more about the program, additional information can be obtained by visiting the website: longtermcare. wi.gov. Kim Verstegen is the volunteer coordinator for this region. Interested individuals may register with her by calling 1-800-815-0015 or emailing Kim.Verstegen@wisconsin.gov.
Prepare For Weather This is the time of the year when unexpected weather conditions can cause tornados, power outages, thunderstorms and flooding. High temperatures and humidity, especially for a prolonged period can also be dangerous. Now is the time to think about what could happen and prepare a plan if any of these conditions arise in the community. For those without air conditioning, develop a plan of getting to places that are air conditioned each day, along with pulling shades to keep your home as cool as possible. For those who feel they may need assistance if evacuation would become nec-
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Savvy Senior essary because of a disaster, please call the ADRC office at 1-877-4167083 to be notified by them. Manitowoc and Kewaunee County have rapid emergency notification services called CodeRED. This system can distribute emergency messages via telephone to targeted areas or the entire county at a rate of 1,000 calls per minute. This service can be used in case of fires, chemical spills, evacuations, lock downs, downed power lines, lost individuals, natural disasters, abductions, water system problems, bomb threats, or other emergencies. Registration is confidential, free, and easy. All one needs to do is go to your respective county website and click on CodeRED Logo, found in the upper right hand corner of the home page.
“Stepping On” program this fall. This program will be lead by a physical therapist who will teach balance and strength exercises. He will also use the expertise of a pharmacist, low vision specialist and others, to help participants understand how vision and medications affect balance. This is a seven-week program. Call the ADRC at 1-988-416-7083 if interested in this program. Have a safe and happy Fourth of July. Judy Rank is executive director of the Aging and Disability Resource Center of the Lakeshore.
‘Stepping On’ The ADRC is taking registrations from individuals who have had a recent fall or are at risk of falling, as we are looking to provide an evening
continued from page 3
some require a bond to protect your heirs in case of mismanagement, and some require the appointment of an instate agent.
party executor it will cost your estate. Executor fees are set by each state and typically run anywhere from 1 to 5 percent depending on the size of the estate.
Also keep in mind that if the person you choose needs help settling your estate they can always call on an expert like an attorney or tax account to guide them through the process, with your estate picking up the cost.
Get Approval
If, however, you don’t have a friend or relative you feel comfortable with, you could name a third party executor like a bank, trust company or a professional who has experience dealing with estates. If you need help locating a pro, the National Association of Estate Planners and Councils (naepc.org) and the National Academy of Elder Law Attorneys (naela.org) are great resources that provide directories on their websites to help you find someone.
Executor Fees Most family members and close friends (especially if they are a beneficiary) serve for free, but if you opt for a third
Whoever you choose to serve as your executor, be sure you get their approval first before naming him or her in your will. And once you’ve made your choice, go over your financial details in your will with that person, and let him or her know where you keep all your important documents and financial information. This will make it easier on them after you’re gone. For more information on the duties of an executor, get a copy of the book “The American Bar Association Guide to Wills and Estates” fourth edition for $17 at ambar.org/wills or call 800-2852221. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.
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50 plus! . July 2013 . 5
By Tara Meissner 50 Plus Correspondent MISHICOT — Cancer found Olive Cretton’s breast 11 years ago. Seven years later, it attacked her uterus. Both times, the cancer was found in its early stages, and Cretton approached the treatments with a matter-of-fact attitude. “It is something you have to go through, so you have to make up your mind. This is what you have to go through with it,” she said. “I had a lot of faith and hope. I believed I would get through it and I did.”
Survivor
The two-time cancer survivor believes many prayers were answered. “The good Lord up above was with me. I thank God every day for my family and pray He keeps them in good health,” she said. The breast cancer was discovered during a routine mammogram at the Two Rivers Clinic. The doctor said he didn’t like what he saw and ordered another mammogram. The results from the second test also showed a suspicious mass, which was confirmed as cancer with a biopsy. “It was a shock,” she said. Treatment for the breast cancer was a lumpectomy and lymph node removal, which was followed up with radiation. There was no need for chemotherapy at that time. Cretton healed well from the surgery and followed the medical advice to exercise the arm to prevent stiffness and loss of range of motion. Coincidently, her husband, Norbert (Nubbie), was fixing the roof that weekend, and she tossed the used shingles in a dumpster. At the follow-up visit when the doctor asked her to lift her arm, she raised it right up. About six months after diagnosis, Cretton was feeling better, but the disease robbed her of some of her pep, she said.
Mishicot Woman Overcomes Breast, Ovarian Cancers The doctor wanted her on the drug for the full five years; during that time Cretton was reading about the link to ovarian cancer with the use of that drug.
A doctor placed Cretton on Tamoxifan for five years after the cancer treatments; Cretton believes the prolonged use of that medication played a hand in her developing uterine cancer years later.
After noticing a bloody discharge, four years ago, Cretton was diagnosed with uterine cancer.
“I kept saying, are you sure I have to be on this,” she said.
Different Treatment
6 . July 2013 . 50 plus!
“So no more babies,” the 77-year-old joked. Treatment this time was a bit different
and needed to include chemotherapy. The first step was a complete hysterectomy to rid the body of the cancer and organs affected by it. This was performed by two Milwaukee-based physicians. She elected to have robotic surgery, which was completed through five halfinch incisions in her midsection. Cretton hadn’t heard of robotic surgery before agreeing to have the procedure. She wanted to be sure it was reliable and was comforted when she heard
Olive Cretton tends to a flower basket outside her Mishicot home. She has survived two cancers. Her friends and family will participate in the Relay for Life event, hosted by the American Cancer Society, at Two Rivers High School in July. Sue Pischke/50 Plus one of the Milwaukee doctors had preformed it more than 500 times. “It is unbelievable what they can do nowadays,” she said.
Olive Cretton enjoys the gazebo outside her Mishicot home. She participates in Aurora Health Care’s annual garden party for cancer survivors. Sue Pischke/50 Plus had family behind me, and friends too,” Cretton said.
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Treatment for the uterine cancer concluded with full 30 days of radiation.
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“I feel fine; I do get tired,” Cretton said and again with her twinkling smile said, “I can’t do what I did when I was 30!”
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More Positive
“No pain!” she said.
“You live it,” she said. “You look forward to things more and are more positive on things.”
Following the surgery, Cretton was not disappointed to forgo vacuuming for six weeks or abstain from lifting anything heavier than a gallon of milk. Other than those restrictions, she was free to resume normal activities.
Cretton likes to garden. She has a ladies’ sheepshead group that meets on Wednesdays playing call your ace for 10-20-30 cents. She also plays jack of diamonds partner with her family and Tripoli with her kids and grandkids.
However, she had to undergo chemotherapy this time. Chemo was administered every three weeks for four months. The chemo was on a Thursday, and Cretton would feel good on Friday and then become ill during the weekends.
Cretton doesn’t participate in Relay for Life — it is too much walking for her. Instead, her family walks and she and Nubbie support the American Cancer Society with regular donations. They also have attended the garden party for survivors sponsored by Aurora Health Care.
Family Support She lost her hair during chemo, but it came back a “beautiful gray!” Her daughter, Lynn, a breast cancer survivor and a speaker at last year’s Relay for Life event in Two Rivers, also lost her originally blond hair and it came back black. During chemo treatments, which last up to five hours, her daughters, Ann and Lynn, would come and sit with her. The first time, Cretton became quite ill and slept for much of it. After that, she was in relative comfort, covered in warm blankets, conversing with her daughters or watching the TV, and sometimes opening the curtain around her chair to converse with other patients. “Cancer puts you out a little bit, but I
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“It is a really fun night with other survivors, tents, foods, drinks and a silent auction,” she said. Cretton considers herself a positive person. “There is no other way to look at it, I guess,” she said. “You gotta do what you gotta do.”
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Cretton has visits with her doctors every six months. When she reaches five years free and clear, she can move those appointments to annually.
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“The treatment was an experience, but it is well worth it. I’m here!” Cretton said. “I gotta be thankful for everything.” Tara Meissner is a freelance writer in Manitowoc. She can be reached at 920-860-6957 or tarameissner@yahoo.com .
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The surgery was completed on a Tuesday, and Cretton was up and walking around and then home the next day.
She said she came away from cancer with life.
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50 plus! . July 2013 . 7
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Crossword: FAMOUS POETS
sudoku 50. Century Gothic, e.g. 52. Band performance 53. Snorkeling site 55. Black gold 57. *He urged to not go gentle into that good night 60. *She knows why the caged bird sings 64. Fertilizer made by birds 65. “Casablanca” player 67. Warms 68. Undo a bustle 69. Before now 70. Old-hat 71. Makeup, e.g. 72. Noisy talk 73. Church assembly
DOWN
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1. Inscribed pillar 6. Make a choice 9. *He claimed that a little learning is a dangerous thing 13. Admit 14. Hawaiian dish 15. Intro 16. Round openings in architecture 17. Reef dweller 18. What #23 Across
does out of tree 19. *He hears America singing 21. What Beauty’s Beast couldn’t control 23. Found on pines 24. Do it till you drop? 25. Disreputable vagrant 28. Bulb site 30. Fall asleep 35. Eurasian mountain range
37. Jockey’s leash 39. New York’s Bloomberg, e.g. 40. Customary practice 41. Basic belief 43. Goose egg 44. Former NBA players Archibald and McMillan, e.g. 46. Ripped or separated 47. Units of work 48. Israeli money
1. *Like time in Keats’ “Ode on a Grecian Urn” 2. Georgia ____ 3. Small ornamental case 4. Jaunty rhythms 5. *Subject of Blake’s “The Tyger” or Bishop’s “The Moose” 6. Golf’s U.S. ____ 7. *He loved a maiden named Annabel Lee 8. State of soil for supporting plant growth 9. On some planes 10. Thick liquid 11. ____ pressure 12. Emergency Medical Services 15. Cheerleader’s prop 20. Separated 22. Long, long time 24. “The Bachelorette” to “The Bachelor,”
Fill in the blank squares in the grid, making sure that every row, column and 3-by-3 box includes all digits 1 through 9. Crossword and Sudoku solutions on page 11. e.g. 25. *His Love is like a red, red rose 26. Husband of Bathsheba in Old Testament 27. Not glossy 29. *Kipling: “Never the twain shall ____” 31. Stupefy 32. Hearings or inspections, as of deeds or bonds 33. Do like a blacksmith 34. *He claimed that nothing gold can stay 36. Potato’s soup mate 38. Infamous Roman emperor 42. Shaped to fit into a
mortise 45. Preacher’s address 49. Grazing spot 51. Skintight hose 54. Literary composition 56. Apprehensive 57. Ad jingle, e.g. 58. Chance occurrences 59. “Put a lid __ __!” 60. Crazily 61. Past participle of “lie” 62. ___ von Bismarck 63. Like a hand-medown 64. Instinctive 66. American Gas Association
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Listen up ladies, there’s a sexual paradox. Just as you’re getting older and when — for some — sex may not be a priority, that is exactly when you need it most. Indeed, a study released this May suggests as many as six in 10 women — ages 55 to 65 — avoid sexual intimacy. Yet, sexual activity is good for a woman’s health — especially if she is entering into any of the menopausal phases of life — peri-menopause, menopause or post-menopause. “Sexual stimulation releases hormones that positively affect a woman’s overall health and well-being and keeps her vagina youthful,” says Dr. Mary Jane Minkin,Ob/Gyn and author of ”The Yale Guide to Women’s Reproductive Health.” “The vagina,
10 . July 2013 . 50 plus!
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According to Dr. Minkin, the benefits of healthy sex are manifold, ranging from stress reduction and improved mood to protection of a woman’s reproductive and pelvic health. Some proof points: a study in “Biological Psychology” shows the rush of hormones released from sex boosts mood, fosters feelings of closeness and helps manage stress for days. Another study in the ”Journal of Sexual Medicine” reveals that regular sexual stimulation is essential for positive sexual functioning — arousal, lubrication and avoidance of pain.
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Michael John “Mike� Myers
(born May 25, 1963) is a Canadian actor, comedian, singer, screenwriter, and film producer. He is most known for his roles in various popular films, including playing the title characters of the films “Wayne’s World,� “Austin Powers,� and “Shrek.� He has also been a recurring member of the cast of the NBC sketch show Saturday Night Live.
John Christopher “Johnny� Depp II
(born June 9, 1963) is an American actor, film producer, and musician. He has won the Golden Globe Award and Screen Actors Guild award for Best Actor. Depp rose to prominence on the 1980s television series 21 Jump Street, becoming a teen idol. Dissatisfied with that status, Depp turned to film for more challenging roles; he played the title character of the acclaimed “Edward Scissorhands� (1990) and later found box office success in films such as “Sleepy Hollow� (1999), “Charlie and the Chocolate Factory� (2005), “Alice in Wonderland� (2010), “Rango� (2011) and the “Pirates of the Caribbean� film series. He has collaborated with director and friend Tim Burton in eight films; the most recent being “Dark Shadows� (2012).
PARK LANE A PA RTM E N TS
416 PARK LANE | MISHICOT, WI IMMEDIATE OPENINGS | LOW-RENT HOUSING FOR SENIORS OR • HANDICAPPED, DISABLED
• One and two bedroom with full kitchen and appliances • Patios and decks • Coin-operated laundry in all buildings • Off-street blacktop parking with heater plug ins
• Across the street from Village Park • Seniors 62 and over • Handicapped or disabled 18 years of age and over • One block from a grocery store
WI-5001673475
Professionally Managed By:
Bob Gregurich | 683-3042
Rent based on 30% of income, less medical
When you are looking for more than just an apartment... Let us welcome you home! We take pride in our apartments and it shows! You will be captivated by the beauty you will find in the apartments, common areas, and grounds. For those 50 & up or adults with disabilities we offer rent that is 30% of adjusted gross income & includes utilities. We also offer a low-cost DirecTV package, are located on the bus line, and have a county nutrition site. • Tenant and staff-led activities • Pet-friendly • Large rec room with Wi-Fi, pool table, games and puzzles
Manitou Manor Apartments WI-5001673481
1433 No. 6th Street Manitowoc • 684-5865 http://manitoumanor.weebly.com
Visit us today and learn more about these special services:
Marv Moore, PharmD Brian Jensen, R.Ph., FACA Karl Schroeder, R.Ph. Joylyn Moore, PharmD WI-5001672933
• Personal Medication Counseling • Daily Delivery • Prescription Compounding • Online Refills • Bubble Packaging • Automatic Refills with our SmartFill Program • One Price Plan–Get a Large Supply of Your Medication and Save
Hours: M-F 9 a.m. - 6 p.m. Sat 9 a.m. - 1 p.m.
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50 plus! . July 2013 . 11
CommunityDedication -
For over six decades, Shady Lane, Inc., its local leaders who sit on our board of directors, and its staff have served our residents and our community through a philosophy of servant leadership and a commitment to providing quality affordable care.
Find out why people...
Think of Us First for comfort of skilled care
Designed for living with beautifully decorated and lovely gardens, Shady Lane offers skilled nursing care for short or long-term care, therapy services, social services and hospice care. Medicare and Medicaid Certified.
for planning to get better . . .
Therapies provided by: Holy Family Memorial
Recovering after an illness, joint replacement or surgery is a team effort. In fact, it could be called "Team You"! We offer physical, occupational and speech therapy, respiratory services, pain management and neurological, orthopedic and cardiac rehabilitation. Medicare and Medicaid Certified and some private insurances. In-patient or Out-patient Services.
for the joys of home without the work From two bedroom apartments to single bedrooms with private bathrooms, Laurel Grove offers a variety of assisted living options to meet your needs. Enjoy the gardens, optional activities and care-free living. Prices start at $1,450.
OPENINGS AVAILABLE!
Now Open! HFM Clinic at Shady Lane Manitowoc’s only not-for-profit citizen directed care facility. 1235 South 24th Street • Manitowoc, WI • www.shadylaneinc.com • 920-682-8254 WI-5001636143
12 . July 2013 . 50 plus!