50 Plus - July 2012 by Gannett Wisconsin Media

50 July 2012 | The magazine for active, mature lifestyles

plus!

Desire To Connect Can Get You Scammed

Saavy Senior

ADRC: Cap Lifted on LongTerm Care Services

10 FINANCIAL COLUMN: Create Guaranteed Income Steve Ford

‘Calico Joe’ A Departure from Grisham’s Legal Thrillers

Automated Crosswalks Not Senior Friendly

Helpful Information 14 Toll-free Assistance

8 Classic Cars FEATURE STORY:

Labor of Love

50 plus!

On the Cover:

Classic Cars

8-9

Don Moddie, a classic car enthusiast and owner of Auto Fix & Shine in Manitowoc, poses with his 1968 Camero recently. See a story about Moddie and his auto-loving family. Sue Pischke/50 Plus

Staff

Pat Pankratz, 50 Plus! Editor 920-686-2138 ppankratz@htrnews.com Tami Gasch, Advertising Manager 920-684-4433 tgasch@htrnews.com 50 Plus! is published monthly by the Herald Times Reporter. It also is distributed to select businesses in Manitowoc County.

Desire To Connect Can Get You Scammed, Experts Say By ERIC HERR | Gannett Scams, especially against the elderly, are big business — and increasing every day. According to a survey published in the November 2011 edition of Kiplinger’s Personal Finance Magazine, more than 7 million Americans 65 or older have been ripped off to the tune of $3 billion a year. Given those stats, chances are you or someone you know has fallen victim to a scam. Here are some examples: An elderly woman receives a telephone call from a man claiming she has just won $3.5 million in a sweepstakes drawing. The man says all she needs to do in order to claim the prize is to send him a thousand dollars to cover various processing fees. A man receives an unsolicited email from someone claiming to be the daughter of a recently deceased West African businessman. She is looking for someone in the United States to help her transfer a nearly $8 million inheritance to an American bank. In exchange for services, the unidentified woman offers to share part of her fortune. A 90-year-old woman loses $5,000 after someone claiming to be her grandson calls

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Do any of these scenarios sound familiar? They do to Detective William Perna Sr. of the Gloucester County (N.J.) Prosecutor’s Office. He and other law enforcement officials across the country deal with a growing number of these and countless other scams each day. “We always hear more about fraud of all kinds when the economy is bad,” observes Perna. The detective points out that scams can be perpetrated through a variety of methods, including the U.S. mail, over the telephone, as well as through the Internet and other means. “As the summer approaches, you can always count on plenty of scams involving driveway repaving and roofing, where people pay a bargain basement price up front and in cash, only to find the so-called contractors promise to return and then just disappear, “ Perna explains. Sadly, he continues, “it’s often the elderly that tend to be most vulnerable.” Moreover, Perna says overall statistics about the number of scam victims tend to be unreliable because many cases go unreported.

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saying he needs the money to immediately pay off some impatient creditors.

“The aging factor is certainly one thing that can make senior citizens more susceptible to con artists, but that’s only part of the story,” Dr. Stephen M. Scheinthal, associate director for successful aging at the University of Medicine and Dentistry of New Jersey’s School of Osteopathic Medicine. “What these unscrupulous individuals do and do very well, is tap into the desire for connection and the need for attention,” he continues.

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Scheinthal elaborates, saying the loss of money as a result of these scams is sometimes less important than the loss of human contact.

2 . July 2012 . 50 plus!

“I’ve had patients who received phone calls on a regular basis from scam artists and after they finally sent the money to a location the caller had designated, my patients became depressed because the phone calls stopped,” said Scheinthal.

Ellen Van Fossen, a geriatric nurse practitioner at the university medical center, makes home visits and routinely makes the rounds to numerous retirement communities and life care facilities. She, like Dr. Scheinthal, says socialization becomes especially important as we age. “In many cases, the elderly befriend callers they don’t even know, simply because they are willing to talk to them ... sometimes for hours at a time, “ notes Van Fossen. “Unfortunately, that makes them easy prey for those with less than honorable intentions. In short, when you don’t know the caller, just hang up,” she advises. The desire for communication with others notwithstanding, Van Fossen warns that if behavioral impairments begin to emerge, such as the onset of dementia or Alzheimer’s, decision making at any level can be much more difficult. While the elderly are indeed vulnerable, so too are those much younger. Take the case of a Gloucester Township woman in her mid-50s, who asked only to be identified as GM. “I got a call out of the blue from someone claiming to be from Microsoft, saying my computer was emitting harmful viruses and that I needed to get it fixed immediately,” she recalls. She was skeptical and took the precaution of getting the name and phone number of the person calling, along with the name of the presumed contractor to Microsoft and called back to verify, before permitting them to access and diagnose her computer from a remote site. “Once they gained access, I could actually see them roaming through and clicking on various files. I was told they could fix the problem with a special virus protection software package for $140. These people were extremely convincing, but at that point, I knew I had been scammed.” She went on to explain that these scammers had set up a fake call center and a phony website, too, on the chance people like her would want to verify the Desire to Connect Continued on page 5

Financial Resources for Grandparents Raising Grandchildren Dear Savvy Senior: Are there any types of financial assistance programs that can help grandparents who are raising their grandkids? I have two grandchildren who are about to permanently move in with my husband and me, and we could use some help. Parents Again Dear Parents: When it comes to raising grandkids, you definitely have plenty of company. Across the country about 5.8 million children are living with their grandparents, as the parents struggle with a variety of problems such as financial hardship, drug and alcohol addiction, prison time, domestic violence, divorce and more. To help with the day-to-day expenses of raising grandkids, there are a variety of government programs and tax benefits that can make a big difference in stretching your budget. Here’s where to look for help.

Financial Assistance For starters, find out whether your family qualifies for your state’s Temporary Assistance for Needy Families (TANF) program, which may include cash assistance, food stamps and free or low-cost daycare. Or, if your household income is too high to qualify

as a family, ask about the “child-only grant” for just the grandchild’s support alone. Also, find out if your state offers any additional programs like guardianship subsidies, non-parent grants or kinship care. Contact your state TANF program (see www. acf.hhs.gov/programs/ofa for contact information), or call your county social services office for more information.

Jim Miller incomes, or the Child Tax Credit if you make too much money to qualify for the EITC.

You also need to find out if your grandkids are eligible for Social Security, including benefits for children, survivor benefits or SSI. You can find this out at your local Social Security office, or call 800-772-1213 or see www.ssa.gov.

If you’re working, and are incurring child care expenses in order to work, there’s a Child and Dependent Care Credit that can help. And, if you choose to legally adopt your grandkids, there’s an Adoption Credit that provides a federal tax credit of up to $12,650 per child.

And finally, use benefitscheckup.org, a comprehensive web resource that helps you search for additional financial assistance programs that you may be eligible for, such as lower energy bills, discounts on prescription medications and more.

There are even education-related tax credits through the American Opportunity Tax Credit or the Lifetime Learning Credit to help if your grandkids go to college.

Tax Benefits In addition to the financial assistance resources, Uncle Sam offers some tax benefits that may help you too like the Dependency Exemption, which allows you to deduct $3,800 in 2102 on each qualifying grandchild. There’s also the Earned Income Tax Credit or EITC which is available to those with moderate to low

To learn more about these tax benefits call 800-8291040, or visit www.irs.gov. You can also call the IRS publication line at 800-829-3676 and ask them to mail you the following publications: 501, 503, 596, 970, 972, and Form 8839.

Health Insurance If your grandkids need health insurance, depending

important

Savvy Senior Continued on page 11

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ADRC: Cap Lifted on Long-Term Care Services By JUDY RANK| for 50 Plus! It was just one short year ago that the Aging & Disability Resource Center (ADRC) was hosting informational sessions in its office to explain what capping long-term care programs would mean to individuals who were waiting for government funded long-term care services. On April 2, the cap was lifted and the ADRC has been able to meet the needs of all those eligible for long-term care services on that date. During those nine months, the Department of Health Services assessed the Family Care program, IRIS program, and Medicaid, and developed sustainability plans that will allow for continued funding of these programs. Sustaining these programs will require everyone to do as much as they can to care for themselves in their own homes as long as possible. Today’s average 65-year-old can expect to live another 20 years. The community, which includes those who were waiting for services, the elderly who have seen some decline in health, the developmentally disabled, and the physically disabled, along with those who have chosen healthy lifestyles are all to be applauded for the efforts they have made by caring for themselves and improving their health. The ADRC has already offered 4 “Stepping On” programs in 2012, each

averaging twelve participants, and a Living Well program. These participants have made the choice to take better care of themselves. Anyone wishing to participate in a program, can contact the ADRC at 683-4180 for information on a class. The “Stepping On” program is a 7-week course for individuals at risk of falls. It provides balance and strength exercise, along with understanding prescription drug interactions and how they affect falls, and how vision affects falls. “Living Well” is a 6-week program, for anyone with a chronic condition, that teaches participants how to set goals that have positive effects on their life. These two prevention programs, which are evidence based, along with the ADRC nutrition program, are three ways that individuals are able to live a healthier life. The nutrition program offers 1/3 of the recommended daily amount of nutrition and eating at a dining site has been proven to reduce depression. Beginning July 1, non-pregnant, non-disabled BadgerCare Plus adults with household countable income above 133 percent will be required to pay a monthly premium. The new premium policy will include adults eligible under: 1. BadgerCare Plus for Families; 2. BadgerCare Plus Core Plan; and

Adult premiums will be calculated based on a sliding scale ranging from 3 percent of countable household income for individuals above 133 percent of federal poverty level to 9:5 percent of household countable income for individuals at or above 300 percent of the federal poverty level. Every adult’s premium will be calculated based on their actual income and rounded to the nearest dollar. Individuals interested in retirement benefits, it is easy to get a “Social Security Statement” online at www.socialsecurity.gov. This statement can provide estimates for disability and survivors benefits as well as retirement estimates. The “Statement” also provides workers a way to determine whether their earnings are accurately posted to their Social Security records.

Market Vouchers The ADRC has Farmers Market Vouchers, valued at $25, that can be used for seniors age 60 and older, to purchase fresh Wisconsin grown fruits and vegetables at participating Farmer’s Markets. The yearly income for a single person cannot exceed $20,665, while the yearly income for a couple cannot exceed $27,991. Vouchers are available at the ADRC office from 8 am until 4:30 pm, Monday through Friday. Please bring proof of income, residency, and your social security number.

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Desire to Connect Continued from page 2 information source.

Reminder A reminder that with the warmer weather, older adults, infants and your children, along with people with chronic heart or lung conditions, overweight persons, and people with developmental disabilities, are at a higher risk of a heat related illness. If you must go out on warm, humid days, try to do it during early morning or evening, keep your home cool by drawing shades during the sunlight hours, slow down and limit your physical activity, drink plenty of water and eat lightly, and if you do go outdoors, wear light colored clothing. A cool shower or bath will cool you down quickly, as well as applying cold wet rags to the neck, head and limbs. Everyone have a great Fourth of July! The ADRC office will be closed on the 4th. Judy Rank is executive director of the Aging and Disability Resource Center of Manitowoc County.

The woman says she has since changed her passwords and received new credit cards. She also has filed reports with multiple law enforcement agencies about the incident, but still doesn’t know what specific information was hacked, not to mention if or how it might be used against her in the future. “Many scams seem very believable on the surface,” cautions Assistant Burlington County Consumer Affairs Director Joe Threston. “So, the one piece of advice we always give is that before investing any money or taking any action, give us a call first to check it out.” Harold Spence, Jr., who heads the Gloucester County Consumer Affairs Office, offers similar advice, but admits that despite ongoing information sharing between agencies and organizations at every level, finding the source of fraudulent activity can be tough, as scam artists become more tech savvy. Cyber crimes, in particular, are on the rise at many levels, evidenced by recent security breaches of popular social network websites such as LinkedIn and eHarmony.

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“One of the biggest problems we face is identity concealment,” notes Detective Sgt. First Class Stanley Field of the New Jersey State Police Cyber Crimes Unit. His division provides education and technical support for law enforcement agencies, statewide.

members and encouraging them and families alike, to be actively engaged in supportive roles.

“When typing in a website address, for example, if you make a mistake by even one letter or digit, you could be directed to a hacker website and not even realize it,” he says.

“With technology constantly evolving, information about anybody or anything is now more available than ever before and that makes our job that much more challenging,” he says.

Brenda Bacon, president and CEO of the Mount Laurel, N.J.-based Brandywine Senior Living, is all too aware of the potential financial and emotional toll that scams of any kind can have on her near 2,500 residents in some two dozen assisted living communities in five states.

Sylvester, whose foreign and domestic scam investigations run the gamut from lotteries, sweepstakes, healthcare to investments and the Internet — and everything in between, says con artists go to great lengths to set up some remarkably creative and clever schemes to lure their victims.

“We realize that today’s busy lifestyles can often limit the time family members have to spend with their elderly relatives, but we find that the more interaction and visitation there is, less likely is the opportunity for scams to take place,” she observes. To that end, Bacon takes a proactive stance, offering education to staff

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“Remember, if something seems too good to be true, it probably is,” emphasizes Sylvester, adding that in the end, if you have any doubts, trust your instincts and just say no at the outset. “Scam artists,” says Sylvester, “care only about one thing and that is how to separate you from your money.”

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SUDOKU

Crossword: Finish The Lyrics 43. *”No he can’t read my poker ____” 44. Excessive sternness 46. Famous scat singer 47. Killer whale 48. Tapeworm 50. Cocoyam 52. Spanish sea 53. *”Video killed the radio ____” 55. Octopus’ defense 57. *”Girl, we couldn’t get much ______” 60. *”Stand up for your ______” 63. One born to Japanese immigrants 64. Street in Paris 66. Leaves out 68. Runs in neutral 69. Egyptian cobra 70. Make another map 71. Potato and ____ soup 72. “Owner Of A Lonely Heart” band 73. Athlete’s domain

ACROSS 1. Short attention _____, pl. 6. Semi 9. Like Usain Bolt, e.g. 13. Shakespearean “ergo” 14. To do this is human? 15. Specialty 16. *”I see friends shaking hands.... sayin’ how do ___ __?” 17. Activity at Heavenly in California 18. Perfection 19. *”Boy, you’re gonna carry that ______”

21. *”Well, we’re all in the mood for a ______” 23. He sang “Hit the road Jack” 24. Dirty air 25. ___ Holbrook 28. Left after deductions 30. Water nymphs 35. Flightless birds 37. Famous flood survivor 39. On spouse’s side 40. “A” in A.D. 41. _____ alert

DOWN 1. *”Say Say ___” 2. Front part of vessel 3. Chills and fever 4. Rock bottom 5. “Just do it,” e.g. 6. Catch your breath 7. Irritate 8. Tale-spinning brother 9. Popular dog name 10. Breezed through, as in test 11. One-horse carriage 12. ___ Aviv

Fill in the blank squares in the grid, making sure that everyrow, column and 3-by-3 box includes all digits 1 through 9. Crossword solution on page 11and Sudoku solutions on page 14.

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Classic Cars Labor of Love By Tara Meissner | 50 Plus Correspondent MANITOWOC — Donald Moddie has been tinkering with cars for more than five decades. “I picked it up working with pa and on my own,” he said. His father had a repair shop in Forrest County. Today, Donald Moddie, 68, owns Auto Fix & Shine located on Washington Street.

Todd and Greg — would hang around the shop as kids. Nancy remembers them taking their bikes apart and putting them back together. Today, Todd and Greg work in the business. Todd does detailing work and some mechanical and Greg does mechanical work.

Impressive Fleet

Don Moddie, owner of Auto Fix & Shine in Manitowoc, poses in his 1968 Camaro. Sue Pischke/50 Plus

the past. The event will take place again in Two Rivers June 29 and 30. In the summer months the Moddies take in about a dozen shows and have met a good share of friends through the hobby.

The family has an impressive fleet of classic cars: a 1977 Buick Regal, 1985 Chevy Blazer, 1973 Nova.

National Tour

For Nancy’s 60th birthday, Donald Moddie bought her a 1967 Chevelle from Osman. Todd’s wife, Kim, herself restored a 1969 Chevrolet pickup by rebuilding the motor, installing automatic overdrive and a step side.

One of their favorite things to do is participate in the National Power Tour. People from around the country gather and make a trip through several states over a week’s time. The route changes from year to year.

In August, Moddie will celebrate 48 years of marriage with Nancy Moddie.

Moddie enjoys going for rides with friends and looking around. They drive fairly often and recently they went with five couples to Three Lakes for a show.

“It’s been cars ever since I have known him,” Nancy Moddie said.

“We get lots of thumbs up,” Nancy Moddie said.

Last year, the Moddies took their Nova to Coco Beach, Fla. From there, between 4,000 and 5,000 classic cars caravanned to Detroit. The Moddies are prepared for the rare occurrence of a breakdown on such long trips by traveling with spare parts, oil, and water. The vehicle is inspected closely before they leave as well.

She described the family dinner conversations as revolving around cars. She would try to get a different topic in and the conversation would steer back to cars, she said.

“Then we open it up to look at the motor all painted with some chrome work and a fair amount of detailing,” Donald Moddie said.

“I came to town in 1962 and kept playing with cars,” he said. “It started as a hobby and turned into a business. My main thing is I like to put the motor together and make horsepower.” Shortly after moving to Manitowoc, Moddie purchased a 1951 Chevy in perfect condition. “It needed nothing. I drove it for a couple years and then bought a ’54 Ford,” he said.

The younger two of the couple’s five children — 8 . July 2012 . 50 plus!

Nancy has driven her car in the Cool City Car Show Cruise from Manitowoc to Two Rivers in

Their daughter Niki’s kids, ages 10, 13 and 16, are crazy about the cars. “We took the Chevelle to Beloit for a recent visit with our daughter and her family. Our granddaughter reminded us she was due a ride,”

Cool City Classic Car Cruise TWO RIVERS — The Cool City Classic Car Show, one of Two Rivers’ premier summer events, scheduled June 29 and 30. This event combines food, music, and entertainment for a weekend of family fun, free of charge. The Friday evening cruise from Manitowoc to Two Rivers has featured as many as 400 cars. The car show on Saturday fills a five-block area downtown with some of the nicest show cars from around Wisconsin and Michigan. There is an average of more than 200 show cars on display and the streets are always filled with hundreds of spectators. This year’s event sponsors are Riverside Foods, Riverwood – Maritime Credit Union, and Shoreline Credit Union. Friday’s entertainment is sponsored by Formrite and Ball Auto & Truck Parts, Inc.

Friday, June 29 Assembly begins at 4 p.m. at the University of Wisconsin-Manitowoc parking lot The cruise departs at 6 p.m. from Central Park, Two Rivers The Strawberry Jam Band will perform from 6:30-9:30.

Saturday, June 30 Downtown Two Rivers 9 a.m. – 4 p.m.

Nancy said. “It’s a matter of time before the eldest grandson will be asking to drive one.”

Always Looking According to Nancy, when the couple goes for rides she knows they will make some stops to look at cars. Donald Moddie said he is always looking at cars and if the price and condition are right, might add another to the family collection. “I’ll drive anything and buy anything if it’s in my price range,” Moddie said.

Dash plaques to the first 275 Vehicles

While his personal collection currently is exclusively Chevy models, Moddie works on all makes at his shop. He talks to customers to make modifications to make the classics more economical on the highway by putting overdrive in or changing gears, for example. These changes can improve gas mileage by three or four mpg.

DJ music throughout the day by Advanced Entertainment

“You can enjoy the ride more, because you don’t have the fast motor speed and exhaust noise,”

Registration from 7-11 a.m. Show Vehicle Registration: $5

Don Moddie, right, poses with his 1966 Impala and sons Todd, left, and Greg at his shop in Manitowoc. Don’s sons helped him rebuild the powerful 427 engine. Sue Pischke/50 Plus

Moddie said. Some customers ask where they can find decent classic cars and what to buy. Time permitting, Moddie will take a look at the vehicle and advise if it’s a good buy or not. He cautioned that it can be tough to find parts for older cars, and prices are going higher all the time. “They should talk with someone who knows about condition and price,” he said. “Some are not as pretty once you get under the hood and look at them.” Auto Fix & Shine is open from 8 a.m. to 5 p.m. Monday through Friday. Tara Meissner is a freelance writer in Manitowoc. She can be reached at 920-860-6957 or tarameissner@ yahoo.com . 50 plus! . July 2012 . 9

financial Column: Create Guaranteed Income For much of the recent past, individuals entering retirement could look to a number of potential sources for the steady income needed to maintain a decent standard of living, including:

The saying that “life is what happens when you’re making other plans” is particularly true when it comes to retirement income planning for several key reasons, including:

Defined Benefit (DB) employer pensions: In these plans the employer promises to pay a specified monthly amount for the life of the retiree and/or spouse. Very few non-governmental employers offer these plans any more.

Fewer employer pensions: Over the past several decades, many employers have changed from defined benefit to defined contribution plans. This eliminates the employer’s future liability. From 1985 to 2000, for example, the rate of participation in defined benefit plans by full-time employees of medium and large private firms dropped from 80 percent to 36 percent.

Social Security: Designed to replace only a part of an individual’s working income. Social Security provides a known benefit for the life of a retiree and his or her spouse.

Social Security: Social Security is a “pay-as-you-go” system, with current workers supporting those already receiving benefits. As the baby boom generation begins to retire, the number of individuals remaining in the workforce to support them grows smaller. Although politically unpleasant, fiscal reality may force higher payroll taxes, reductions in benefits, or both.

Defined Contribution (DC) plans: Such as 401(k), 403(b), or 457 plans, which allow for contributions from the employee (and in some cases from the employer as well) to a retirement account. The funds in the account, whatever they amount to at retirement, are used to provide retirement income. Individual retirement plans: Such as Traditional IRAs or Roth IRAs. These are “individual” versions of employer sponsored DC plans. The funds in the IRA at retirement, whatever the amount, are also used to provide retirement income.

Changing Face of Retirement

We’re living longer: A child born in 1900 had an average life expectancy of 47.3 years. For a child born in 2007, however, average life expectancy had increased to 77.9 years. With the stable, lifetime income stream from employer pensions and Social Security playing an ever-shrinking role, retirement income planning demands that each individual accept a higher degree of personal

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responsibility for both accumulating and managing the assets needed to pay for retirement. And managing these assets has to be done in a world where fluctuating interest rates and sometimes volatile financial markets are a fact of life. Extended lifespans mean that money has to last longer, although exactly how long is unknown. Rampant inflation, a bad investment, major health problems, or an extended period of “down” markets could lead to outliving your assets.

One Possible Answer Life insurance is designed to help solve the problems created when someone dies prematurely. An annuity, on the other hand, is designed to protect against the possibility of living too long. An “immediate” annuity is a contract between an individual and a life insurance company. In exchange for a single, lump-sum premium, the insurance company agrees to begin paying a regular income to you for a period of years or for life. The payment amount depends on a number of factors, including:

Premium paid: The larger the payment, the larger the income stream. Age: Older individuals typically receive larger payments. Payout period selected: A shorter payout period usually results in a larger payment. Immediate fixed annuities provide the security of a guaranteed income. Even if returns on other investments slump — either because of falling interest rates, a weak economy, or a shaky stock market — your annuity payments remain steady. And if you purchase the annuity outside of an IRA, a portion of each payment is considered a tax-free return of your principal. With an immediate annuity you control the term of the payout to meet your needs and protect survivors. You can choose income for your lifetime, or your

lifetime and the lifetime of your spouse known as a joint and survivor annuity. You can also add a guaranteed number of years option. Immediate annuities appeal to people who receive a lump sum of money from a retirement plan, stock options, or inheritance, and who want to make sure that the money generates income for the rest of their lives. Immediate annuities may also be a smart solution for those who feel uncomfortable about managing investments on their own.

River’s Bend Health and Rehabilitation Center is pleased to announce Rachelle LaBonte, Speech Language Pathologist and Lee Silverman Voice Therapist

ProvidingCare: From ourFamily t o yours

Annuities are not insured by the FDIC or any government agency. Since an annuity may be payable for decades into the future, dealing with a financially solid insurer is essential. Credit rating companies such as A.M. Best, Standard & Poor’s, or Moody’s can provide an objective measure of a firm’s financial stability.

River’s Bend Health and Rehabilitation Center would like to congratulate Rachelle LaBonte, Speech Language Pathologist, on becoming certified in Lee Silverman Voice Treatment. As a speech pathologist, Rachelle is an integral part of the therapy team at River’s Bend. Her recent certification has given her the added expertise to work with residents who have voice and speech disorders due to Parkinson’s Disease.

Savvy Senior Continued from page 3 on your income level, you may be able to get free or low-cost health insurance through your state’s Medicaid and the Children’s Health Insurance Program. See insurekidsnow.gov or call 877-5437669 for more information.

Legal Issues You also need to talk to a family law attorney to discuss the pros and cons of obtaining legal guardianship, custody or adoption. Without some sort of legal custody, you may not be eligible for many of the previously listed financial assistance programs, and there can be problems with basic things like enrolling your grandkids in school, or giving a doctor permission to treat them.

Lee Silverman Voice Treatment ( LSVT LOUD) is a scientifically documented efficacious program for treating the voice and speech disorders in patients with Parkinson’s Disease. Dr. Lorraine Ramig and her colleagues at the National Center for Voice and speech, a division of the Denver Center for the Performing Arts and at the University of Colorado - Boulder, have studied and developed the LSVT LOUD through grants from the National Institute of Health (NIH) and the Office of Education for over the past 20 years.

support with other grandparents who are raising their grandchildren, visit the AARP GrandCare Support Locator at giclocalsupport.org where you can search for support groups in your area. 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.

Rachelle received her Master’s Degree in Speech Language Pathology in 2007 from the University of Wisconsin - Milwaukee. She received her certification in the Lee Silverman Voice Treatment program in Chicago, Illinois in May of 2011 from LSVT Global organization. Come in for a tour and meet our trained professional therapy staff. Let River’s Bend Health and Rehabilitation Center be your choice in Rehabilitation services. For more information please call 920-684-1144.

If you need help locating affordable or free legal assistance use findlegalhelp.org, or call the Eldercare Locator at 800-677-1116 for referrals. Savvy

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BOOKS: ‘Calico Joe’ A Departure from Grisham’s Legal Thrillers By BILLY WATKINS | Gannett Media JACKSON, Miss. — John Grisham was 12 years old the night a fastball thrown by California Angels pitcher Jack Hamilton struck Boston Red Sox star Tony Conigliaro in the left eye. Grisham remembers the photograph of Conigliaro in the newspaper a couple of days later — a 22-year-old Major League phenom with movie-star looks whose left eye was night-black and swollen shut. The pitch nearly killed Conigliaro, who wrote three years later in Sports Illustrated “it felt like the ball would go in one side of my head and come out the other.” He was never the same player after that and suffered a stroke in 1982 that left him in a coma for eight years. Conigliaro died in 1990 at age 45. No connection has been made between the beanball and the stroke. That errant pitch has stuck with Grisham for decades, and it is the nugget that spawned his latest work of fiction, “Calico Joe.” As most of his books do, it debuted at No. 1 on The New York Times’ best-seller list but “hasn’t really flown off the shelves,” said Grisham, 57, the former Mississippi legislator, now multimillionaire author and avid baseball fan. “People who love baseball have really enjoyed it. But you have to remember that 70 percent of all fiction sales are made by women. And most women aren’t going to buy a book that focuses on baseball. “Still, we think the book will grow some legs this summer with Father’s Day coming up. Plus, we have Chris Columbus (“Gremlins,” “Home Alone 2,” “Harry Potter and the Sorcerer’s Stone”) working on a screenplay, and once a movie is made about it, that should help sales.” Even though the book has not reached the sales figures of his legal thrillers, Grisham is happy with the product. “This is my 27th book,” he said, “and it’s the most fun I’ve ever had writing one. The research ... finding obscure statistics was really enjoyable. “One thing that really struck me was that only one baseball player in history has ever died from a beanball — (Cleveland Indians shortstop Ray Chapman) in 1920. There is a book about it, and it was fascinating reading. Here was a guy who was probably headed for the baseball Hall of Fame, and this was long before batting helmets and nice shiny white baseballs.” Grisham writes about Joe Castle, a rookie star with the Chicago Cubs who hit 12 home runs and stole 14 bases in his first 11 games. His career is ended by a fastball from Warren Tracey, a hard-throwing, meanspirited pitcher with the New York Mets. The book is told through the eyes of Tracey’s son, Paul, who was at

12 . July 2012 . 50 plus!

the ballpark that night. The plot twists and turns from there.

Automated Crosswalks Not Senior Friendly

Grisham knew his novel “clicked” from the start.

By ROBERT PREIDT | HealthDay

“The biggest decisions I had to make were what year to set it in and what teams to involve. I picked 1973 for no particular reason ... And I picked the Cubs because I’ve always thought it would be nice to see them in a World Series, even though I’m a diehard (St. Louis) Cardinals fan, and there’s a pretty good rivalry between the two.” Don Kessinger, the former two-sport star at the University of Mississippi and All-Star shortstop for the Chicago Cubs, read Grisham’s first draft. “I asked him to please read it and mark with a red pen anything that didn’t seem right — and I asked him to do so freely,” Grisham said. “Some of the stuff he marked was hilarious. In one scene, I had Joe and his parents having lunch before a game in the dining room adjacent to the locker room. Donnie said, ‘If we got a pregame meal, it would probably be a bologna sandwich, and we’d eat it off a fold-out table in the middle of a clubhouse.’ Those sorts of details were crucial to the accuracy that I wanted.” Grisham, who grew to be a good high school player, “batted right, threw right,” he said. “Played right field. I loved shagging flyballs. And I was an average high school hitter.” He is currently chasing a July 1 deadline for his next legal thriller, “The Racketeer,” due out in November. He also is tinkering with a book about golf “which may not be done for another 10 years.” “The golf book will probably talk about how stupid it is to take up the game at my age,” he said, “because it becomes so frustrating. On a good day, I’ll shoot 92. On a bad day, I’m in triple digits.”

Most older people can’t walk fast enough to cross a street in the time allotted by many automated crosswalks, according to a new British study. Researchers compared the average walking speed of people age 65 and older who took part in the Health Survey for England with the speed needed to make it through a timed pedestrian crossing, which is nearly 4 feet per second in the United Kingdom and many other parts of the world. The study found that the average walking speed was about 3 feet per second for older men and about 2.5 feet per second for older women. As age increased, walking speed slowed, said Dr. Laura Asher, of University College London, and colleagues. The study is published June 14 in the journal Age and Ageing. The ability to cross roads safely is extremely important for older adults. ”It affects older adults’ health, as they are more likely to avoid crossing a busy road,” Asher said. ”Walking is an important activity for older people, as it provides regular exercise and direct health benefits,” Asher said in a journal news release. ”Being unable to cross a road may deter them from walking, reducing their access to social contacts and interaction, local health services, and shops, which are all important in day-to-day life.” Overall, 76 percent of men and 85 percent of women in the study had a walking speed slower than the required speed. The researchers also found that 84 percent of men and 93 percent of women had a walking impairment.

Good news for his fans: Grisham, who is married with two grown children, doesn’t anticipate slowing down his writing schedule.

”Older pedestrians are more likely to be involved in a road traffic collision than younger people, due to slower walking speed, slower decisionmaking and perceptual difficulties,” Asher said. ”Older people who are hit are also more likely to die from their injuries than younger people.”

“I keep writing because it’s still fun to do. It’s really not a bad gig. I’m still the luckiest guy I know.”

Communities should consider increasing the time allowed at crosswalks, she added.

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Helpful Information | Toll-free Assistance 2-1-1, In Wisconsin dialing 2-1-1 will link you to information about local resources from both government and nonprofit organizations. 2-11 is the three-digit dialing code to provide public access to community information and referral services.

Legislative Hotline: 1-800-362-9472

Alzheimer’s Association Caregiver’s Hotline: 1-800-272-3900

National Association for Hearing and Speech: 1-800-638-8255

American Association of Retired Persons (AARP): 1-888-687-2277

National Association for Stuttering: 1-800-937-8888

American Dental Association: 1-800-621-8099

National Cancer Institute: 1-800-422-6237

American Heart Association: 1-800-242-8721

National Health Information Clearinghouse: 1-800-336-4797

American Kidney Fund: 1-800-638-8299 Asthma-Allergy Hotline: 1-800-727-8462 Better Business Bureau of WI: 1-800-273-1002 Commissioner of Insurance: 1-800-236-8517 Consumer Product Safety: 1-800-638-2772 Consumer Protection Office: 1-800-422-7128 Department of Transportation Vehicle Safety Hotline: 1-888-327-4236

a safet y I’m havingin shower first walk-you won’t be o ins talled s d abou t me! ie r r o so w

Library for the Blind and Physically Handicapped: 1-800-242-8822

Gre f o l k s a a t! M y re g o n e , t o et t i n g o!

Medicare Hotline: 1-800-633-4227 Medigap Hotline: 1-800-242-1060

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National Hearing Aid Hotline: 1-800-521-5247 National Parkinson Foundation: 1-800-327-4545 Affinity Nurse Direct: 1-800-362-9900

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Social Security Hotline: 1-800-772-1213 Veterans’ Affairs Regional Office: 1-800-827-1000 Wisconsin Board on Aging and Long-Term Care Ombudsman Program: 1-800-815-0015

Energy Services, Inc.: 1-800-506-5596 Gambling Hotline: 1-800-522-4700 Hill Burton Hospital Free Care: 1-800-638-0742 Home Health Care Hotline: 1-800-642-6552 Information and Referral (United Way 2-1-1): 1-800-924-5514 Living Bank: 1-800-528-2971 Legal Action of Wisconsin: 1-800-236-1128 WI-5001508388

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Welcome to the club! Hannah Storm (born Hannah Storen in 1962) turned 50 on June 13. She is an American television sports journalist, serving as co-anchor of ESPN’s Sports Center and host of the NBA Countdown pregame show on ABC until 2011.

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CommunityDedication This year, as Shady Lane, Inc. celebrates sixty one years of quality care, we reflect on the dedication of our board, our staff, our donors, our residents and our community – all those we have served through 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 . . . 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. Starting at just $1,300 a month including meals!

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-5001515059

16 . July 2012 . 50 plus!