Pittsburgh 55+ Magazine Summer 2016 Issue by Northern Connection Magazine

Peripheral Neuropathy Sufferers Have

HOPE with Chiropratic Family Health Center

Also in this Issue...

• Golf The Links for some Mixed-Doubles Fun • Roll out those Fun Times in the Summer Time! • Long Term Care Strategies

www.PittsburghFiftyFivePlus.com | Summer 2016

FROM THE PUBLISHER

P.O. Box 722 Wexford, PA 15090-0722

Phone: 724-940-2444 Fax: 724-940-2447 Email: info@PittsburghFiftyFivePlus.com www.PittsburghFiftyFivePlus.com President & Publisher Marion Swanson Piotrowski Executive Editor Marianne Reid Anderson Managing Editor/Public Relations Coordinator Paula M. Green Marketing & Account Executive and Office Coordinator Laura Arnold Marketing & Account Executive Mary L. Simpson Design & Production Kostilnik & Assoc. Graphics, Inc. Distribution Dominion Distribution

Laura Arnold

Mary Simpson

llpspc@consolidated.net

mlsspc@consolidated.net

Marianne Reid Anderson

Paula Green

info@PittsburghFiftyFivePlus.com

Pittsburgh Fifty Five Plus Magazine is published four times a year by Swanson Publishing Co., Inc. (P.O. Box 722, Wexford, PA 15090-0722, 724-940-2444) and is distributed free of charge throughout the Greater Pittsburgh region. Subscription can be purchased from the publisher at $25 for one year. The mission of the Swanson Publishing Co., Inc. is to connect the people of Pittsburgh by publishing the area’s finest senior publication, Pittsburgh Fifty Five Plus Magazine. The publication is dedicated to the people, communities, educational, religious, travel, health, and recreational needs of seniors in our area. The contents of Pittsburgh Fifty Five Plus Magazine may not be reproduced or copied in whole or in part without written permission from the publisher. Pittsburgh Fifty Five Plus Magazine reserves the right to refuse editorial or advertisements that do not meet the standards of this publication.

Summer 2016 | www.PittsburghFiftyFivePlus.com

Welcome to the Summer Issue of Pittsburgh Fifty Five Plus Magazine!

his is a great time of year to explore all the unique activities in and around Pittsburgh. Take advantage of the nice weather and plan some special day trips with family and friends. There are county festivals, church festivals and many sports activities to choose from, museums and historical landmarks that make Pittsburgh very rich in tradition and culture. I always enjoyed the summer vacation when I was growing up. I tell my grandchildren how much fun we had as kids preparing for our yearly visit to Kennywood! In this issue we explore some of Kennywood’s favorite rides from the past. Maybe you will remember riding on these rides and would like to know how Kennywood has changed and evolved over the years! We are also taking a look back to 1981 in this issue. Do you remember where you were and what you were doing when some of these milestones happened in history! I hope you get the opportunity to enjoy this summer with your family and friends. Maybe even try doing something different that you always thought about and now have the time to try. Enjoy reading the summer issue of Pittsburgh Fifty Five Plus magazine. Thank you for your support and together we continue to make our community an outstanding place to live and work!

“Sometimes your only available transportation is a leap of faith” By Margaret Shepard

Find us on under Pittsburgh Fifty-Five Plus Magazine!

Physicians/ Healthcare Professionals Attention all health care professionals... In the July 2016 issue of Northern Connection magazine we will be featuring the outstanding healthcare in the Pittsburgh area. Make sure you reserve your spot to highlight your specialty! * Receive a complimentary listing in Northern Connection magazineâ&#x20AC;&#x2122;s Medical Directory with your ad

Call early and reserve your space!

724-940-2444

www.PittsburghFiftyFivePlus.com | Summer 2016

Contents 5

Put Your Best Foot Forward Managing Plantar Fasciitis Billy Butch, PT, MS, ATC, LAT

Cover Story: Peripheral Neuropathy Sufferers Have Hope Dr. Shawn Richey, DC

Sleep in Retirement Study Heather Gunn, PhD

10 Lose up to 30 Lbs. in 30 Days Dr. Michael Vactor, DC 12 Legal and Financial Planning By Aging Institute of UPMC Senior Services and the University of Pittsburgh 14 Golf the Links for Some Mixed-Double Fun! Marianne Reid Anderson 16 Roll Out those Fun Times in the Summer Time!

22 Reverse Mortgages Arc Financial 23 Rally for Troops and Veterans Leadership Journey Paula Green 27 Long Term Care Strategies Brian Catale 28 The Transition to Care: Helping Your Loved Ones Adjust Amada Senior Care

In Every Issue...

From the Publisher Marion Piotrowski

18 Pondering Pittsburgh: A Jaunting Journey Through Past Rides at Kennywood Amusement Park Paula Green 20 Summer â&#x20AC;&#x2122;16 Happenings 24 The Good Old Days: Step Back into 1981 Paula Green 26 Remember When: Summer is Soothing Joe Bullick

Summer 2016 | www.PittsburghFiftyFivePlus.com

Y O U R H E A LT H

Put Your Best Foot Forward Managing Plantar Fasciitis BILLY BUTCH, PT, MS, ATC, LAT OWNER, PHYSICAL REHABILITATION SERVICES AND LICENSED PHYSICAL THERAPIST AND ATHLETIC TRAINER

et’s face it. When you have a painful foot condition, exercise and activity are probably the last thing on your mind. A condition such as plantar fasciitis, or heel pain, can make any activity – from jogging to getting out of bed – uncomfortable. Plantar fasciitis is an inflammation at the bottom of the heel that can spread into the plantar fascia, the connective tissue on the sole of the foot. It occurs when there is excessive and repeated strain through the arch of the foot. Overpronation of the foot can contribute to strain on the foot. When the foot overpronates, it turns inward and can cause the arch to collapse, straining the plantar fascia with every step. Being overweight can also make plantar fasciitis worse due to the increased pressure placed on the foot. There are different methods your doctor may recommend for treating plantar fasciitis, including steroid injections to reduce inflammation, immobilization to allow for healing, and, in severe cases, surgery. Physical therapy can also help in managing plantar fasciitis. Your therapist will conduct an examination to determine what may be causing plantar fasciitis. In other words, examining how the foot moves and works and determining if this movement is creating abnormal pressure on the foot. Your therapist would then design a customized exercise program to address your specific needs to help restore mobility, increase strength and decrease excessive force on the foot. Other treatments such as ultrasound to enhance soft tissue mobility may be recommended. Proper footwear is also important in managing plantar fasciitis and other foot problems. Orthotics may be prescribed to help keep the foot, ankle and leg properly aligned and reduce pressure on the muscles, bones and joints. Proper athletic shoes and arch supports can also help. Your physical therapist can help identify the cause of your condition and determine what treatment options are best for you. Plantar fasciitis can be painful, even debilitating. But with proper care, you can put your best foot forward.

(412) 366-3880 and in Franklin Park/Wexford at 2400 Corporate Drive, Suite #201 (724) 940-3990. Office hours are Monday through Thursday from 7:00 a.m. to 8:00 p.m. and Friday from 7:00 a.m. to 5:00 p.m. Evaluations are scheduled within 24-48 hours. To learn more, visit www.prsrehab.com. Be sure and Like us on Facebook. n

What people are saying about Physical Rehabilitation Services: “I am so pleased with my progress… I feel as though they gave me my life back!” – D. Barnard “I’m walking. You would never know what happened to me. These guys are my guardian angels.” – W. Boyle “I was so impressed with their integrity and competence. Their positive attitude permeates the entire staff.” – L. Sutton

No Referral Needed All of the therapists at Physical Rehabilitation Services are Direct Access certified. This means that you can see a physical therapist WITHOUT a referral from a physician for a 30-day period. Should physical therapy be needed after 30 days, you can continue treatment with authorization from your physician. Most insurance plans cover direct access. Physical Rehabilitation Services has been serving the northern area for twenty-five years and has two convenient locations: Ross Township/Perrysville at 1033 Perry Highway,

www.PittsburghFiftyFivePlus.com | Summer 2016

COVER STORY

Peripheral Neuropathy Sufferers Have

HOPE Are you being told, “There’s nothing to be done?” or that, ”You need to learn to live with the pain?” Are you being over-medicated with pain medicines that don’t cure? Have you been through test after test with no result, explanation or treatment? Are you becoming discouraged?

Don’t GIVE UP!

specialized treatment protocol is available at the Chiropractic Family Health Center. It includes nine specific treatments that are designed to heal rather than just deal with the symptoms. This therapy has long been well-recognized internationally, and recent advancements offer hope for many more to live a more pain-free and enjoyable life. Peripheral Neuropathy occurs when nerves are damaged or destroyed and can’t send messages to the muscles, skin and other parts of the body. Peripheral nerves go from the brain and spinal cord to the arms, hands, legs and feet. When damage to the nerves takes place, numbness and pain in these areas may occur. Unlike laser therapy that does not address the involved damaged small nerve fibers or home light therapies that do not offer all the frequencies needed to heal them, our program utilizes state of the art technology with combined therapies to restore life to the dead nerves. Approximately 20 million Americans suffer from this debilitating disease. It is commonly associated with diabetes, however, neuropathy symptoms can also occur in patients

Summer 2016 | www.PittsburghFiftyFivePlus.com

with restless leg syndrome, sciatic neuropathy, and has been recently linked to statin drugs used to lower cholesterol. Although, there are also patients who just have neuropathy without a particular cause. Peripheral Neuropathy symptoms can include: n Sharp Pains or Cramps in the Feet or Legs n Burning Pain in the Legs, Feet or Hands n Extreme Sensitivity to Touch n Loss of Balance or Coordination n Feelings of Walking on Pins and Needles n Weakness in the Arms and Legs n Numbness and Tingling or Pain in the Toes, Feet, Hands, Arms and Fingers n Dependency on Medications Many patients are suffering from symptoms of painful cramping, burning and tingling, difficulty walking, numbness and even interruption of sleep. Dr. Shawn Richey (a member of the NeuroTCA) has seen

Here’s What Dr. Shawn’s Patients Have to Say... “I suffered from peripheral neuropathy for 17 years. It felt as if someone was constantly torturing my feet with electric shocks. Not only did it hurt to sit or take a drive anywhere, but night time was even worse. I could never get a good night’s sleep. No position eased the pain and I couldn’t stand the sheet or blanket to touch my feet. When I would take a shower, it felt as if I was being electriI am 90% cally shocked with each drop of water without that hit my feet. Test after test, doctor after pain and doctor, there was no result or help. I was some days, even told, “There’s nothing to be done; I am 100% you’re just going to have to live with it.” pain free! I do not have diabetes. But, it was getting progressively worse over time. I had seen Dr. Shawn’s ad and realized I had nothing to lose. After only one treatment, I was able to get a good night’s sleep and was able to take a shower without pain! Now, having completed several sessions, I am 90% without pain and some days, I am 100% pain free! I have a new lease on life and am doing things I thought I could never do again. I am thankful for Dr. Shawn every day.” – Paul, Wexford

“I lived in pain from peripheral neuropathy for 15 years. I don’t have diabetes. I wasn’t in an accident. I was simply working in the garden when all of a sudden, I felt this tremendous pain hit my feet and it never went away. I saw so many doctors and had so many tests. The only thing they wanted to prescribe was pain medicine which was something I definitely After my first wanted to avoid. I am 82 years old and session, I was able to stand thought this was just something I was flat and steady going to have to live with for the rest without feeling of my life, but then I found Dr. Shawn! like I was I am part way through the treatments standing on and the pain has lessened to where it cobblestones is almost gone. So much so that I am confident that it will be gone by the time I complete the sessions. After the first session, I was able to stand flat and steady without feeling like I was standing on cobblestones. My balance is greatly improved and I am so much steadier. I am completely blown out of the water that this is working. Dr. Shawn is so kind and caring. Anyone with peripheral neuropathy should not get discouraged or lose hope, they should call Dr. Shawn.” – Sheila, Latrobe

“I was in pain from peripheral neuropathy for 12 years before I found Dr. Shawn. I noticed a difference after the first treatment. I even danced my way into his office for my second appointment. I so believe in the treatment that I have become a neuropathy specialist and assist Dr. Shawn. I am so pleased to see wonderful results in patients that relieve them of the pain that I once endured myself.” – Lynn, Jeannette

“I was diagnosed with neuropathy due to my diabetes eight months ago. It started in my toes and progressively got worse. Fortunately, a friend of mine knew Dr. Shawn was opening an office in Latrobe and brought me a brochure. I had gone on vacation with my family to Disney and could barely walk. I had to be wheeled around in a wheel chair. I am not through all the treatments but I am so improved that I was able to go on a Caribbean cruise and do a lot of walking. Dr. Shawn’s treatments have really made a difference.” – Karen, Latrobe

hundreds patients suffering with peripheral neuropathy. He has treated patients that have tried everything including potentially harmful medications and other painful testing and treatments. This can leave patients still struggling and wondering down the long road of endless disappointment. Now we are able to address the pain associated with peripheral neuropathy with a successful, non-invasive, drug-free approach that includes the use of light therapy to stimulate tissue repair. This ground-breaking treatment has achieved a 90% overall satisfaction rate. The treatment identifies the cause and enables nerve endings to regenerate and heal rather than remain damaged. As the treatments repair the nerve endings, pain is reduced, and patients regain balance and coordination. Dr. Richey has helped hundreds of sufferers of peripheral neuropathy throughout the region, he has expanded his practice to include Westmoreland as well as Allegheny Counties.

Chiropractic Family Health Center now has offices in both Sewickley at 2591 Wexford-Bayne Road, Suite 207 and Latrobe at 1901 Ligonier Street. “Our second location in Latrobe will be much more convenient for all our patients in Westmoreland County to receive their treatments and enable us to help additional sufferers of peripheral neuropathy, in both regions,” explains Dr. Shawn. n

For a FREE Consultation contact Dr. Shawn Richey at (724) 940-9000 and your appointment will be made at the location that is most convenient for you. To learn more, visit www.backnline.com. www.PittsburghFiftyFivePlus.com | Summer 2016

Summer 2016 | www.PittsburghFiftyFivePlus.com

Sleep in Retirement Study: The health impact of night shift work versus day work on retirees.

BY HEATHER GUNN, PHD

o you get a daily newspaper? Do you stop by a local bakery early in the morning to enjoy a pastry? Have you ever needed medical care late at night? Or received important packages via overnight mail? Do you ever wonder how the roads are already cleared after an overnight snowfall? If so, you can thank a night shiftworker. Maybe you have been a night shift worker. The increasing demands of our 24-hour society require many individuals to work outside daytime business hours. In fact, approximately 25 percent of Americans work at night. However, shift work can interfere with sleep quantity and sleep quality. This is because for most of us, our biological clocks expect us to be awake during the day and to be asleep at night. “Working against the clock” can have consequences for our health. We already know that shift work is associated with obesity, high blood pressure, diabetes, and increased risk for cardiovascular disease. What we suspect is that these health risks may be due to the sleep disturbances that go along with shift work. Researchers at University of Pittsburgh are trying to understand more about the effects of shift work on long term sleep patterns and long term health. As part of the Sleep in Retirement (SIR) study, Drs. Buysse and Hall are studying sleep, circadian rhythms, and cardiovascular health in retired night shift workers and day workers. This is one of the first studies to examine the long-term effects of night shift work on sleep and cardiovascular health. The goal of this current project is to determine whether one’s sleep can fully “recover” from years of night shift work. The long-term goal of this research is to determine whether it is possible to buffer the effects of nightshift work on sleep and cardiovascular health. n Sleep in Retirement Study Phone: 1-866-647-8283 Email: sir@upmc.edu

www.PittsburghFiftyFivePlus.com | Summer 2016

Lose 30 lbs. in 30 Days up to

as your weight loss plateaued? Do you eat right and exercise but the scale doesn’t move? Is your metabolism slowing due to middle age or over-eating? Are you having health-related issues due to your weight? Feeling aggravated, frustrated and helpless every time you get on the scale? With Dr. Michael Vactor’s innovative weight loss program, you can lose up to 30 lbs. in 30 days and learn to keep it off, permanently.

Jen S., Pittsburgh PA Lost 47 lbs.

Tammy T., Cranberry Twp. PA Lost 48 lbs.

How it Works: Unlike other weight loss programs, Dr. Vactor’s plan focuses on losing the weight and keeping it off through a safe, healthy system that is made up of ALLNATURAL INGREDIENTS with NO STIMULANTS. The system is, quite simply, designed to increase your metabolism. The system increases your metabolism by naturally invigorating your hypothalamus (responsible for your metabolism), without stimulants, while decreasing your hunger response. This way, your own fat-burning engine works at its optimum performance while re-acclimating your metabolism to first lose the weight and then adjust to your new body to keep off the weight. Unlike other programs that you may have experienced, where you lose weight but then gain it all back or even more, this program focuses on first weight loss, then helping you readjust to the thinner you. In addition, this program has consistent, predictable weight loss results where people also see a dramatic improvement in their overall HEALTH in about a month’s time. According to Dr. Vactor, “I have seen cholesterol numbers, blood pressure and blood sugar levels return to normal in 30 days. People who follow our program as outlined get great results! But I must be straight-forward about our system. You must be dedicated, committed and want results.”

oday marks our 14th day into our maintenance phase. We waited until now because we were interested in if we would continue to hold our weights. We are happy to report that this phase is keeping its promise just like the rest of the program. We started on December 6, my weight was 360 and Sue started at 219. I should mention that we were off the program from December 23 to January 2. We did not pig out over the holidays but did put a couple of pounds back on. We picked up the program on the same day number that we left and continued until day 40 plus the three day transition. At that time I weighed 310 (-50) and Sue weighed 195.6 (-23.4). After two weeks on maintenance, my weight is 212.2 and my wife’s is 195.4. Needless to say we are both very pleased and will go back on the program next week, my goal is 270 and Sue’s is 170. Everything with the weight loss was exactly as promised. People could not believe that we only ate such a limited number of calories but I can definitely state that I was never hungry. We have been on almost all conceivable diets over the last 25 years and although we lost some weight it was a struggle doing so and most called for and exercise program also. Let’s face it, when you are 50 to 100 lbs. over weight, exercise is not a good alternative. We really did not have good before pictures because who wants there pictures taken when that much overweight. I don’t have good pictures showing pants size because for the past two or more years I was constantly in stretchy sweats, it was a struggle to put on socks and all my shoes were slip-ons. 3XLT shirts were tight and I had trouble sleeping and did not enjoy going to movies or sporting events because I could not fit in the seats. All of that has changed. We cannot wait until our next 40 day program is over. Bob & Sue F., Washington PA

Summer 2016 | www.PittsburghFiftyFivePlus.com

and Keep it Off with Dr. Vactor’s Innovative Weight Loss Program! Several different products come with the plan, as well as, a simple, easy-to-follow meal plan that is based on normal food that you can get anywhere and prepare easily for yourself. In addition, they supply pH-balanced, ionized drinking water which is another important part of the system. Also, exercise is NOT required. Alternatively, the focus, is getting the weight off first, so that exercise programs will help tone and strengthen rather than contribute to the risk of over-exertion from carrying too much weight. Who is Dr. Michael Vactor, DC? Dr. Michael Vactor is a doctor of chiropractic, and a natural healthcare advocate in the north Pittsburgh area for over fifteen years. He is also an award winning expert in weight loss management and is frequently featured on KDKA-TV, WPXI, CornerstoneTV, radio shows and other public speaking venues on health and weight-loss issues. In addition, Dr. Vactor also cares for the players, coaches and families of the Pittsburgh Steelers’ and Pirates’ organizations. To date, 90-95% of his patients have achieved their weight loss goals. YES, 90-95% of patients have achieved their weight loss goals. Dr. Vactor is so absolutely sure of the results and outcomes of his program, that he offers a GUARANTEE of RESULTS! Dr. Vactor and his family have lived in the Cranberry and Mars area, where he is also devoted to his community and helping his patients reach their goals. Over fifteen years in this community, he would not and could not make any such guarantee claims for weight loss, if they weren’t true. How to Get Started: If you are serious about losing up to 30 lbs. of extraneous weight, inches off your waist and, most importantly, improving your health in about a month’s time, call for a FREE, in-office review of our revolutionary weight loss system. Our office is conveniently located at 673 Castle Creek Drive Ext., Suite 106, Seven Fields, PA 16046. http://www.drvactor.com Improve your health today! Call now, at 724-742-2700. If you are one of the first 25 callers to schedule your no cost/no obligation consultation and in office review, and mention you saw Dr. Vactor in the Summer 2016 Pittsburgh Fifty-Five Plus, you will receive a $50 discount good towards any of his guaranteed weight loss programs. Not valid with any other offers and new patients only are eligible. n

Here is my weight loss journey…

tried every fad diet out there and never got the results that I have with this plan!! I was at my heaviest weight and needed to do something, my clothes weren’t fitting anymore, and I was getting depressed and mad at myself! A good friend of mine told me about Dr. Vactor and what he had did for him in his own weight loss journey. So I called and made an appointment. The staff was very polite and very informative and answered all my questions and concerns. Dr Vactor was wonderful and made this plan sound so easy and explained how quickly I would see results if I followed through with it. Well let me tell you how RIGHT he was!! My starting weight was 365 lbs and I lost 50 lbs in 42 days!!! I did 2 courses of the plan and am now down 72 lbs!! I feel so much better health wise! No more back or knee pain anymore!! Would highly recommend this Plan to everyone!! Thanks Dr. Vactor and Theresa!! Bob J., McCandless PA

Guarantee can be reviewed in office prior to starting the program. Results may vary based on an individual’s health, diet, personal commitment, and adherence to the program. Information provided is not intended to diagnose, treat, cure or prevent disease.

www.DrVactor.com 724-742-2700 Dr. Michael Vactor, DC

www.PittsburghFiftyFivePlus.com | Summer 2016

YOUR FINANCES

Legal and Financial Planning BY AGING INSTITUTE OF UPMC SENIOR SERVICES AND THE UNIVERSITY OF PITTSBURGH

his is an important step that can be taken to assure that your wishes will be followed. It offers the best chance for the future to unfold as you desire. The absence of planning lends itself to uncertainty and may only create more pain for a grieving family. According to the NIA, “basic legal and financial instruments, such as a will, a living trust and advance directives are available to ensure that the person’s late-stage and end-of-life health care and financial decisions are carried out.” It is vital to consider advance directives. This alleviates the anguish and potential conflict of family and friends speculating as to your wishes. Do you want to put on a ventilator if an environmental or medical condition left you unconscious? How far do you want doctor and medical staff to go in attempts to resuscitate you? Do you want a DoNotResuscitate (DNR) order? What if there is an

argument between your children and your spouse as to the course of action in the wake of a medical emergency? And what if your opinions on medical procedures change as you age? What if you eventually suffer from dementia? According to the NIA, “advance care planning involves learning about the type of decisions that might need to be made, considering those decisions ahead of time and then letting others know about your preferences. An advance directive goes into effect only if you are incapacitated and unable to speak for yourself.” There are a few steps that the NIA recommends you take: • Keep all important paperwork together. Use a bank safety deposit box, or designate a drawer of file for storage. • Let a trustworthy family member, friend or lawyer know where those important papers are. Documents have little value unless they are accessible to the individual entrusted to carry out your wishes. A lawyer is another option, particularly in the absence of a trusted family member or friend, or if it is simply your preference to engage a third party. • Give the doctor permission to speak with your caregiver: This allows the doctor to speak to your caregiver for future events. There may come a time during which an emergency is taking place and you are unable to direct your doctor to your caregiver. This can make an already difficult situation even harder. NIA recommends also giving permission to Medicare, your bank and any credit card company that your caregiver has permission to access your account on your behalf. So what are these imperative papers? • Durable Power of Attorney for healthcare (DPOA): This document identifies someone, usually a family member or friend, to carry out your medical decisions only when you are no longer able to speak for yourself. If your loved one is your healthcare power of attorney, consider whether you share the same values, whether that person understands and is comfortable with your choices and whether that person possesses the temperament to act on your behalf regardless.

Summer 2016 | www.PittsburghFiftyFivePlus.com

Resources from the NIA: AARP 601 E Street, NW Washington, DC 20049 1-888- 687-2277 (toll-free) 1- 877- 434-7598 (TTY/toll-free) 1-877-342-2277 (Spanish/toll-free) www.aarp.org

Centers for Medicare & Medicaid Services 7500 Security Boulevard Baltimore, MD 21244 1- 877-267-2323 (toll-free) 1- 866 -226-1819 (TTY/toll-free) www.cms.gov

American Bar Association 321 North Clark Street Chicago, IL 60654 1- 800-285-2221 www.americanbar.org (search for “Consumer’s Tool Kit for Health Care Advance Planning”)

Donate Life America 701 East Byrd Street, 16th floor Richmond, VA 23219 1-804-377-3580 www.donatelife.net Eldercare Locator 1- 800-677-1116 (toll-free) www.eldercare.gov

National Legal Resource Center www.nlrc.aoa.gov OrganDonor.gov Health Resources and Services Administration 1- 888-275- 4772 (toll-free) www.organdonor.gov

National Elder Law Foundation www.nelf.org

POLST (Physician Orders for Life Sustaining Treatment) www.polst.org

For more information on health and aging including the free booklets So Far Away: Twenty Questions and Answers About LongDistance Caregiving and End of Life: Helping with Comfort and Care

Put It In Writing American Hospital Association 155 North Wacker Drive Chicago, IL 60606 1- 800- 424- 4301 (toll-free) www.putitinwriting.org

Caring Connections National Hospice and Palliative Care Organization 1- 800 - 658 - 8898 (toll-free) 1- 877- 658 - 8896 (multilingual/toll-free) www.caringinfo.org Caring Conversations Center for Practical Bioethics Harzfeld Building 1111 Main Street, Suite 500 Kansas City, MO 641052116 1- 800-344-3829 (toll-free) www.practicalbioethics.org

• Living Will and Advance Directive: This form tells medical professionals how you want to be treated if you have a lifethreatening health condition or emergency, should you become unable to express such directions yourself. This cannot be specific enough; it is important to have as much outlined as possible. This guides doctors as to what medical procedures and interventions, including extraordinary measures, you would accept. You should consult your doctor and regulations specific to your state regarding living wills as you consider making one for yourself. There are walletsized advance directive cards available online (http://www.oag.state. md.us/Healthpol/adDir_cards.pdf). This allows you to carry it with you in case of emergency and will alert helpful bystanders and medical professionals to your treatment preferences should you be alone. • Organ and Tissue Donation: Though a hard topic to consider, it merits discussion as these decisions generally are carried out in a time of crisis. Your willingness

National Institute on Aging Information Center P.O. Box 8057 Gaithersburg, MD 20898-8057 1- 800-222-2225 (toll-free) 1- 800-222- 4225 (TTY/toll-free) www.nia.nih.gov www.nia.nih.gov/ espanol

The Living Bank P.O. Box 6725 Houston, TX 77265 1-800- 528-2971 (toll-free) www.livingbank.org

to act as a donor can be indicated on a card or on your driver’s license. It is equally important to tell your power of attorney and your caregiver if this is not something you wish to do. • POLST and MOLST: Depending on your state, one important paper to consider using is called the Physician Orders for LifeSustaining Treatment (POLST) or Medical Orders for Life Sustaining Treatment (MOLST). This does not replace your advance directive, but instead works alongside of it. This is a form that the doctor fills out and signs and can be part of your medical record at the doctor’s office or hospital. Remember, you can always change and update your documents should your wishes change, as long as you have the mental capacity to do so. Just make sure that your advocates, including your healthcare power of attorney, your lawyer and your physician always have the most current version of your documents on file. n www.PittsburghFiftyFivePlus.com | Summer 2016

F E AT U R E

Golf the Links for Some Mixed-Double Fun! BY MARIANNE REID ANDERSON

Mixed-Doubles isn’t just for tennis anymore! More and more men and women are breaking the traditional men-only, women-only tee times to enjoy their favorite sport together.

hether you pair up with your favorite girl or guy golfer for a round or whether the two of you team-up to golf with another couple, the following fun formats will keep down the pressure and keep up the pace of play for an enjoyable round. Alternate Stroke – The most popular mixed-double format, as the name suggests, each team alternates shots between his or her partner. Typically on the first hole, the man tees off and then the second shot is hit by his female partner, the third shot by the male and so it goes, back and forth down the hole. The key is to note who putted last because then, the partner will tee-off on the next hole. This rule can lead to some serious strategy when certain red tees are given a beneficial forward placement. The following formats are commonly found at charity golf outing but also make great formats for mixed-doubles and make for great practice to support your favorite charity golf outings. For example, there is the Passavant Hospital Foundation Golf Outing which includes dinner and a silent auction, Jun. 13, Treesdale Golf & Country Club. For

information, call (724) 748-5788. There is also the St. Barnabas Golf Outing, Jun. 6, Butler County Club. For information, email ssommariva@stbarnabashealthsystem.com or call (724) 625-3770. For additional golf outings, be sure and see our Happenings section in this issue. Golf outing formats that are also great for mixed-doubles include: Scramble – This format makes golf easy and enjoyable even for the most novice or beginning golfer. Each person hits a tee shot and you decide which the best shot was. Then you each go to that location, drop or place your ball, and then hit the next shot. You play out each hole, including putting, in the same manner. Great for couple versus couple. Also depending on the course, the red tees can make a huge difference so it is very common on scramble teams for charity golf outings to have at least one woman player on the team. Shamble – This format is ideal for couple vs. couple where players range from average to advanced but where you need to be sure to keep up the pace of play. In a Shamble, each golfer hits a tee shot and you decide which was the

Summer 2016 | www.PittsburghFiftyFivePlus.com

best and hit from there, as in a scramble, but then you play your own ball in from there. For mixed-doubles, the forward placement of the red tees can make a significant difference. Better Ball – Known as “Best Ball” for a four person tournament team, Better Ball works best for two teams such as couple versus couple. In this format, everyone plays their own ball as they would for a typical round, but only the best score for the hole gets written down on the score sheet for each team. This format tends to be for men and women who are both advanced golfers. Meanwhile, Men and Women leagues, once separate, are now challenging each other on the links! Introduce these fun formats to your golf leagues to spice up a round or tournament: Battle of the Sexes - where men vs. women league members’ shoot-it out for dominance. Spouse Champions – where husband and wife duos play to out-shoot the other couples. Guys and Dolls - puts men with best handicaps in demand for this “Sadie Hawkins” tournament where members

of the women’s league invite a (nonhusband) member of the men’s league to help her battle against the other mixeddouble teams. Watch-out for this fun and highly-competitive tournament. Ready to hit the links? Two exceptional local golf courses acquired by St. Barnabas Communities earlier this year are open and ready to welcome golfers of all skill levels. They are Conley Resort and Suncrest Golf Course. Both are located just north of Pittsburgh off Route 8 in Butler County, about 10 minutes from St. Barnabas’ Retirement Village. Conley Resort offers year-round golf on an 18-hole championship course that is perfect for golfers of all skill levels. Conley Resort was selected as “Pennsylvania Golf Course of the Year” by the Pennsylvania Golf Association. After a challenging round of golf, you can also enjoy good food and drink at Knicker’s Tavern bar and grill. There’s even a children’s water

park – Pirates Cove – with two indoor waterslides and a banquet room. For more information call 724-586-7711 or visit www. conleyresort.com Suncrest Golf Course is an exquisite public course for all skill levels. The rolling contoured fairways lead to “postage stamp” greens, with separate tees on each hole for both men and women, offering an exciting challenge regardless of handicap. Most of the fairways are tree lined, and unlike many courses, Suncrest features an even distribution of challenge and forgiveness, for a relaxing and enjoyable experience. For more information call 724-586-5508 or visit www.suncrestgolf.com. Ladies, be sure and get everything you need and don the right look for your mixed-double rounds at Gals On and Off the Green, conveniently located at 7440 McKnight Road or shop online at http:// www.galsonandoffthegreen.com. n

F E AT U R E

Roll Out those Fun Times in the Summer Time! Days are long, weather is beautiful, and Western Pennsylvania is full of things to do, places to see and new things to try. Whether just for you, with friends or to spend time with the grandkids, here are some special ways to spend some quality time: Clemente Museum – The Clemente Museum is housed in historic firehouse Engine House 25, located in the revitalized Lawrenceville section of Pittsburgh. The Museum showcases the world’s largest exhibited collection of baseball artifacts, works of art, literature, photographs, memorabilia, and related materials which focus on Roberto Clemente, his teammates, his personal life, and his humanitarian causes. Clemente’s story inspires not only current and future athletes, but also young people who strive to have better lives and serve their communities. As a small non-profit, the Museum is open by appointment only for guided tours. Your own personal tour guide will lead you on a journey through the Museum sharing stories

Summer 2016 | www.PittsburghFiftyFivePlus.com

of Clemente on and off the field. For additional information, or to book a tour, please contact us at info@clementemuseum.com or by calling 412621-1268. You can also visit our website at www.clementemuseum.com. Kennywood Amusement Park – Our world-renowned amusement park is still rockin’, rollin and spinnin’. Make memories that last for generations with the grandkids or come for a stroll down memory lane through its timeless beauty and elegance. Smaller children still love Kiddieland, and who doesn’t love the turtles, the train, and the whip? If you are going with grandkids that are teens or “betweeners,” you can treat them to VIP tours also known

as Front-of-Line Passes so they can skip the lines for some of the more popular rides. This way, they have more time to enjoy some fries from the Potato Patch, enjoy a homemade corndog or share a funnel cake. If you are 55 or older, there are special discounts available for the daily Senior Fun Day pass and for a Senior Season pass for unlimited visits. Learn more at www.kenneywood.com. Be sure and check out Paula Green’s article in this issue on A Jaunting Journey through Past Rides at Kennywood Amusement Park to reminisce about Kennywood over the years. Pennsylvania Trolley Museum – The trolley era is alive and well at the Pennsylvania Trolley Museum in Washington PA. This fun destination since 1954 boasts nearly 50 cars, over 30,000 visitors a year and lots of summertime events including: Mr. McFeely’s Parade of Trolleys Saturday, June 25; Classic Car Show Sunday, June 26; Washington County Fair – Trolley Park ‘N’ Ride Saturday – Saturday, August 13-20 (Hours 10:00 AM – Midnight); and Trucks, Tractors & Trolleys Sunday, September 11. For more information and special discounts for seniors and children, visit http://patrolley.org. Local Festivals at our Churches and Community Parks – from fireworks to games of skills and chance, from fabulous food and fun, these special events are a great way to enjoy the summer, meet new people and get involved all while supporting your local church or community. Check out our Happenings section for more things to do and try and be sure and Like our Facebook page at https://www.facebook.com/ PittsburghFiftyFivePlusMagazine to learn about more events in our area. n

www.PittsburghFiftyFivePlus.com | Summer 2016

PONDERING PITTSBURGH

A Jaunting Journey Through Past Rides at

Kennywood Amusement Park BY PAULA GREEN

Kennywood Amusement Park is celebrating its 118th season of delighting the young and old. This year, Noah’s Ark marks its 80th anniversary, to celebrate; the walk-through funhouse returned a few of its vintage features. The giant whale’s mouth has resurfaced, and has transformed the funhouse back to its classic feel.

hen deciding on whether to retire an attraction, Kennywood officials weight-out several factors. “Guest interest and ridership, along with operating costs associated with a given ride, are the chief determining factors in deciding whether an attraction stays or goes,” said Kennywood’s director of public relations, Nick Paradise. Over the years, some guest favorites have been shuttered and oth-

ers have been revamped. Coasters are the craze for the die-hard thrill seekers. The Pippin sped through Kennywood from 1924 to 1967. This coaster remained, but was transformed into the popular Thunderbolt. The Laser Loop dashed for a decade from 1980 to 1990, and was replaced with the Steel Phantom. In 2001, this coaster was revamped into Phantom’s Revenge. The new ride was faster (85-mph) roller coaster, with a longer drop (228-feet). The Dipper which

Summer 2016 | www.PittsburghFiftyFivePlus.com

operated until 1984 was closed to make way for the splashy Raging Rapids ride. The Wonder Wheel, Ferris wheel ride operated until 1999; it was shelved for the Aero 360. The Flying Carpet ride magically launched guests in the air; it was replaced with the space-themed Cosmic Chaos. The Wipeout began running in the park in 1993, and in 2008 it was wiped out to make room for the Bayern Kurve. If enjoy spinning, then you’ll remember the Rotor. This ride spun around while you hung on the wall and the floor dropped. Kennywood discontinued this ride in 1994. The Gold Rush was closed to make way for Ghostwood Estates. The Turnpike was parked to usher in the speedy coaster the Sky Rocket. The Pitfall made its final plunge when Black Widow webbed its way into the Kennywood. Other park attractions that we saw fall by the wayside included: RollO-Planes, Big Kahuna, Zommerang, Tornado, and Le Cachot. Park patrons sometimes make request to bring back past attractions. “The most common retired

rides that guests ask about are the Old Mill, which is still in the park in a different form as Garfield’s Nightmare. This classic dark boat ride has been a part of Kennywood since 1901, though the theme behind the ride has changed many times – it’s been called Old Mill, Panama Canal, Wonders of the World, Hard-Headed Harold’s Horrendously Humorous Haunted Hideaway, and now, Garfield’s Nightmare. For most of its existence it was the Old Mill and that’s still what most guests above the age of 25 refer to it as. After that, the Turnpike, Rotor, Le Cachot, and Laser Loop are the most common requests we see,” Paradise added. Whatever your favorite - whether it be the rides, the Potato Patch fries or other adventures, be sure to head to West Mifflin. Take in all of the fun and excitement that Kennywood Park has to offer. For info, visit https:// www.kennywood.com. n

www.PittsburghFiftyFivePlus.com | Summer 2016

SUMMER ’16 HAPPENINGS Free Services for Seniors through

North Hills Community Outreach. Help with rides to medical appts., grocery stores, yard work. For info, call Cathy at (412) 307-0069 ext. 3313 or Kerry at (412) 449-0151 to schedule an in-home registration visit.

UPMC Senior Communities offers independent living & personal care. For details, call 1-800-324-5523.

Support Groups Alzheimer’s Support Group, 10

Home Instead Senior Care® is

offering a unique approach to help area families in Northwest Allegheny County manage the challenges of Alzheimer’s and other dementias. Free training is available for families at HelpForAlzheimersFamilies.com.

McKnight Meals on Wheels pro-

vides home delivered meals to the elderly, homebound and disabled. Services Ross Twp., Berkley Hills, Swan Acres & part of McCandless Twp. Call (412) 487-4088.

Oasis Intergenerational Tutoring –

An Hour a Week Can Change a Child’s Life. For adults 50 & over become a tutor. Training sessions held on the fifth floor of the Duquesne Light Building. Call (412) 393-7648 or email jdspehar@oasisnet.org.

a.m., 1st Monday of each month, St. Catherine of Sweden Parish, 2554 Wildwood Rd. For details, call Suzie, at (412) 337-6731.

Bereavement Support Group (for Widows/Widowers over 50), 1-2:30 p.m., 2nd & 4th Wed., St. Sebastian, Haber Hall. To register, call (412) 366-1300.

Paramount Senior Living at Cranberry Alzheimer’s Affiliated Support Group meets 3 p.m., the

1st Mon., of every month, and 2 p.m., the last Friday. Contact Pam, at (724) 779-5020.

Township Senior Center. For details, call (724) 772-6086.

Shaler Area High School Class of 1972 Reunion. Join our Facebook

group for 2016 & 2017 reunion plans, tell your classmates!

St. Alexis Over 50 trips: July 21,

Rivers Casino & Pirate ballgame (fireworks night); Sept. 5, Cleveland Air Show & Cruise; Oct. 14-15, Samson, Sight & Sound Theatre; Nov. 18, LightUp-Night on the Gateway Clipper. For info on the ballgame & Cleveland, call Rose, (724) 728-2563 or (412) 9080124. For details on Samson or LightUp, call Janet, at (724) 869-5339.

•

Live stage entertainment Games Rides Food Raffles

•

Flea Market

Saturday, July 16 8:00 a.m.–1:00 p.m. Sunday, July 17 9:00 a.m.–2:00 p.m. (half-off sale) Join us for the 24th annual Saint Alexis Festival from August 3-6, 6-11 p.m. nightly on the church grounds. Fun for all ages including rides, live stage entertainment, games, delicious festival-style food and nightly indoor dinners, Kiddieland, blackjack & poker, raffles and so much more!

For more information: (724) 935-4343 or www.stalexis.org Summer 2016 | www.PittsburghFiftyFivePlus.com

Salvation, 700 Cumberland Woods Dr., McCandless Twp. Call, (412) 635-8080 or TheLegacyLineup.com.

Health & Wellness Wellness Ministry Open House,

11:30 a.m.-2 p.m., June 5, Heritage Church Body & Soul for women at Heritage Presbyterian Church, 2313 Rochester Rd., Franklin Park. Worship service 10 a.m., prior to the Open House. For info on the Open House, email hpcbodyandsoul@gmail.com or (412) 366-1356 or for info on the church, visit www.heritagepcusa.org or (412) 366-1338.

Community Bantam Jeep Heritage Festival, June

Seminars 8:30 a.m.-1 p.m., June 7, AARP Driver Safety Refresher Course; 11 a.m., June 21, A Taste of Spain; July 5, What is the Purpose of My Brain: A Gift For

August 3-6 • 6-11 p.m. Nightly 10090 Old Perry Highway

Bullet & Barbecue fundraising dinner and show, Jun 7, Cranberry

Legacy Theatre senior seminar;

Saint Alexis Festival Days •

Entertainment & Social

10-12, Coopers Lake Campground. For info, call (724) 256-4050 or visit www. BantamJeepFestival.com.

Food Bank’s Feed More Festival, July 17, at Stage AE on the North Shore. For details, visit www.pittsburghfoodbank.org.

Strawberry Festival Mt. Nebo Presbyterian Church Saturday, June 18 • 4-7 p.m. Picnic Food & Antique Car Show For more info: 412-741-6880 Pine Community Day, 4 p.m.-dusk,

July 16, Pine Community Center. Train rides, Rock wall, pony rides, jumbo bouncer, giant slide, food, games & more. Fireworks display. For details, visit http://twp.pine.pa.us/

Rock-A-Thon, 1-4 p.m., Jun. 4, Little

Sisters of the Poor, 1028 Benton Ave. To register for the Rock-A-Thon, visit littlesistersofthepoorpittsburgh.org or (412) 307-1268.

Saint Sebastian Parish Festival, July

11-16, McKnight/Siebert, Ross Twp. Super bingo, games, rides, nightly entertainment, basket raffle, car raffle, nightly dinners. For details, visit www. SaintSebastianParish.org/festival.

Vigil of Hope, 7 p.m., Jun. 8, at the

Passavant Hospital Foundation Legacy Theatre, next to Cumberland Woods Village on the campus of UPMC Passavant McCandless. For info, visit bridge2hope.org or (412) 748-5120.

Golf Outings Golf Butler County Chamber of Commerce, Diamond Anniversary Chamber Golf Outing, Jun. 9, Lake Arthur Golf Club; Aug. 3, Ladies’ Outing at Conley Resort. Email Jennifer@ButlerCountyChamber.com or (724) 283-2222.

Passavant Hospital Foundation Golf Outing, dinner & silent auction, Jun. 13, Treesdale Golf & Country Club. For info, call (724) 748-5788.

Senior Meetings Cranberry Senior Citizens Club for

residents 55+ meets at 1 p.m., the 2nd Tues., of the month in the Cranberry Municipal Center. Call (724) 816-4977 for info and programs.

Gateway North Chapter of AARP

meets the 3rd Monday of the month (June 20) at West View Fire Hall, Perry Hwy next to the VFW. All are welcome.

Friends and Fun 55+ Singles meet

at 7 p.m., every 1st Friday, at St. Ferdinand’s, Rochester Rd., Cranberry Twp., Oldenski Hall, Upper Room. Call (724) 776-9274.

Friendship Groups for Visually Impaired, Men’s Group meets

every Weds. 1-3:15 p.m., Knitting & Crocheting Circle meets every Weds., 1-3:15 p.m., Monthly Meeting 2nd Thurs. of each month 1:15-3:15 p.m., The Lunch Bunch meets 4th Thurs. of every month 11 a.m.-1:30 p.m., The Talking Book Club meets 1st Mon. of each month 1-2:30 p.m. Call (724) 444-0064.

funded by St. Margaret Foundation are seeking volunteer ride-along dispatchers. The shuttle operates weekdays in the lower Freeport Rd. area. Contact Kerry at (412) 449-0151 or kkmulhern@nhco.org.

North Hills Community Outreach

needs volunteers for their senior programs. Contact Patti, at (412) 4083830 ext. 3204.

Olive Branch non-profit fair trade Primetimers, noon, first Thurs of the

month, Christ Church Grove Farm, Ohio Twp. Call (412) 741-4900 or visit http://www.ccgf.org.

Volunteer Opportunities: Hope Hospice is looking for volunteers to visit Hospice patients. For details, call (412) 367-3685.

St. Barnabas Golf Outing, Jun. 6,

Butler County Club; For info, email ssommariva@stbarnabashealthsystem.com or call (724) 625-3770.

North Hills Community Outreach’s Free Rides for Seniors shuttles,

Neighborly Gnomes assist seniors

with disabilities with yard tasks. For info, visit NeedsbyNeighborhood.org.

shop located at 11160 Perry Highway, Wexford is seeking volunteers. For info, call (724) 799-8700 or email info@olivebranchwexford.org.

Open Your Heart to a Senior Volunteer Orientations, 10 a.m.,

June 16, Shaler Eat-N-Park, 930 Butler Street; 9:30 a.m., June 22, Panera, 7217 McKnight Road, Ross Township; Jun. 16, contact, Kerry (412) 449-0151 or kkmulhern@nhco.org; Jun. 22, contact Cathy (412) 307-0069 x3313 or clpschirer@nhco.org.

Pittsburgh Friendship Group is

looking for volunteers to help visually impaired seniors. No experience is necessary. Call (724) 444-0064.

Ursuline Services’ Checks and Balances program assists those who

have difficulty with financial affairs. To register, call (412) 224-4700 x113 or ktobin@ursulinesupport.org.

Strawberry Festival Parkwood Presbyterian Church 4-8 p.m., June 4 Mt. Royal Blvd., Allison Park For info: www.parkwoodchurch.org

North Hills Community Outreach’s Faith in Action program is seeking

Senior Companion volunteers. Contact Nancy, at (412) 307-0069 or nljones@ nhco.org.

www.PittsburghFiftyFivePlus.com | Summer 2016

YOUR HOME

Reverse Mortgages BY ARC FINANCIAL

What is a Reverse Mortgage? A reverse mortgage is a loan for senior homeowners that uses a portion of the home’s equity as collateral. The loan does not have to be repaid until the last surviving homeowner permanently moves off of the property or passes away. At that time, the estate has approximately six months to repay the balance of the reverse mortgage. All remaining equity is inherited by the estate, and the estate is not personally liable if the home sells for less than the balance of the reverse mortgage. Eligibility for a Reverse Mortgage To be eligible for an HECM Reverse Mortgage, the Federal Housing Administration (FHA) requires that

the homeowner be at least 62 years of age. If the home is not owned free and clear, then any existing mortgages must be paid off using the proceeds from the reverse mortgage loan at closing. In addition, you must meet financial eligibility criteria as established by HUD (Department of Housing and Urban Development). When Does a Reverse Mortgage Come Due? A reverse mortgage typically does not come due as long as you meet the loan obligations. You must live in the home as your primary residence, continue to pay any required taxes and homeowner’s insurance, as well as, maintain the home according to FHA requirements. Loan Limits The available amount generally depends on four factors: • Age • Current Interest Rate • Appraised Value of the Home • Government Imposed Lending Limits. Distribution of Money from a Reverse Mortgage There are several ways to receive the proceeds from a reverse mortgage: • LUMP SUM – a lump sum of cash at closing. • TENURE – Equal monthly payments as long as the homeowner(s) live in the house. • TERM – Equal monthly payments for a fixed period of time. • LINE OF CREDIT –Draw any amount at any time until the line of credit is exhausted. • And finally, ANY COMBINATION OF THE PRECEDING METHODS. For more information, visit www.arc-financial. com or contact Joseph E. Archer, President of Arc Financial License NMLS #139712, directly, at (412) 471-6705 or email info@arc-financial.com. n

Summer 2016 | www.PittsburghFiftyFivePlus.com

F E AT U R E

Rally for Troops and Veterans Leadership Journey BY PAULA GREEN

“The willingness of America’s Veterans to sacrifice for our country has earned them our lasting gratitude.” – Jeff Miller (Florida congressman)

he people of Beaver, Pa., will once again show their appreciate this year for our troops who so valiantly fight for our freedom. The “Rally for The Troops” event will be held 5 p.m., Sunday, June 12 in Irvine Park, next to the courthouse. This patriotic gathering is hosted by the Vietnam Veterans of America Chapter 862 and the Associates of Vietnam Veterans of America Chapter 862. The event will pay special tribute to service men and women from all wars and conflicts from the past to the present. There will be free food and entertainment. Bring your flag and chair, rally around and show your support for our brave troops. Donations are accepted. For further information, visit www. VVA862.org or call Bob Gwin at (724) 777-7772 or Rita Swesey at (724) 312-3595. The Veterans Leadership Program of Western Pennsylvania (VLP) is sponsoring a 335 Miles for Veterans. Last year, VLP, case manager and U.S. Army Veteran, Jack Kudrav embarked on a special journey to support our troops. Kudrav, an avid cyclist, rode his bike 335 miles from Pittsburgh to Washington D.C. He will make the trek once again this year, except this time he will be accompanied by 21 other spirited cyclists. The bike team will depart on Jun. 30 and are slated to arrive in the nation’s capital on July 4. For information on the ride visit, https://www.crow

drise.com/335MilesforVeterans. The Veterans Leadership Program of Western Pennsylvania is an organization that fulfills the vital needs for Veterans and their families. VLP provides essential housing, employment and support

services. Their goal is to improve the quality of life of service members. They are located on East Carson Street in Pittsburgh. For more information, visit http://www.vlpwpa.org/ or email info@ vlpwpa.org or call (412) 481-8200. n

www.PittsburghFiftyFivePlus.com | Summer 2016

T H E G O O D O L D DAY S

1981

Step Back Into...

Royal Wedding; The Pope Gets Shot BY PAULA GREEN

he year 1981 was an exciting year with its ups and downs. Over in England, we saw the royal wedding of Prince Charles and Lady Diana Spencer on July 29. In the United States, we saw the birth of the first test-tube baby via in vitro fertilization. Pope John Paul II was shot on May 13 in St. Peter’s Square in Vatican City. Fortunately, he survived the assassination attempt and he even forgave the shooter, Mehmet Ali Agca.

Average: The average income was $21,050.00. Cost of a new home $82,600.00. The average cost of a new car was $5,743.00. Gasoline was $1.13 per gallon. A dozen eggs cost 90¢. A gallon of milk cost $1.69. The cost of bread was 54¢. Cost of a first-class stamp 15¢ (18¢ as of 3/22/81; 20¢ as of 11/1/81).

Firsts: On April 12, the Space Shuttle Columbia soared into orbit from NASA’s Kennedy Space Center in Florida. On Sept. 25, Sandra Day O’Connor became the first female justice on the U.S. Supreme Court. Scientists identify the AIDS virus. Post-It Notes® were launched by 3M Corp. The term “Internet” is first mentioned. IBM launched its first PC which uses Microsoft MS-DOS®. NutraSweet® is introduced.

U.S. Events: Two months after his inauguration, on March 30, President Reagan survived an assassination attempt by

John Hinckley Jr., outside a hotel in Washington, D.C. Researchers find the wreck of the Titanic in the North Atlantic. Walter Cronkite retires as CBS anchor on Mar. 6.

World News: On Jan. 20, Iran released 52 Americans who had been held hostage for 444 days, minutes after the presidency had passed from Jimmy Carter to Ronald Reagan. Egyptian President Anwar Sadat was assassinated by gunmen who opened fire as he watched an aerial display at a military parade.

Entertainment: The top grossing films – Raiders of the Lost Ark, On Golden Pond, Superman II, Arthur, Stripes, The Cannonball Run, Chariots of Fire, For Your Eyes Only, The Four Seasons and Time Bandits. The Academy

Summer 2016 | www.PittsburghFiftyFivePlus.com

Awards were – Best Picture: Ordinary People; Best Actor: Robert DeNiro for Raging Bull and Best Actress: Sissy Spacek for Coal Miner’s Daughter.

Television: MTV is launched on Aug. 1. Popular television shows were – Dallas, 60 Minutes, Three’s Company, The Jeffersons, Lou Grant, The Dukes of Hazzard, Alice, Taxi, Too Close for Comfort, M*A*S*H. Emmy Awards winners – Best Drama: Hill Street Blues and Best Comedy: Barney Miller.

Songs: Popular songs – Jessie’s Girl, The One That You Love, The Tide is High, Physical, 9 to 5, Queen of Hearts, Kiss On My List, Being With You, and Celebration. Album of the Year: Double Fantasy by John Lennon and Yoko Ono. Song of the Year: Bette Davis Eyes by Kim Carnes.

Publishing: Popular books – Nobel House, The Hotel New Hampshire, Cujo, An Indecent Obsession, Gorky Park, The

Beverly Hills Diet, The Lord God Made Them All, Richard Simmons’ NeverSay-Diet-Book, A Light in the Attic and Cosmos.

Sports: Muhammad Ali retires with a career record of 55 wins and five defeats. Super Bowl Champs: Oakland Raiders, NBA Champions: Boston Celtics, Stanley Cup Champs: New York Islanders and World Series Champions: Los Angeles Dodgers.

Politics: Ronald Reagan was sworn in as the 40th U.S. President on January 20, 1981. Vice President was George H. W. Bush.

Quotes: “The love of liberty is a common blood that flows in our American veins.” – Jimmy Carter, Farewell Address, Jan. 14, 1981 “Honey, I forgot to duck.” – Ronald Reagan to Nancy after being shot “You’re not the man I knew ten years ago.” - “It’s not the years, honey, it’s the mileage.” – Raiders of the Lost Ark Sources: http://www.thepeoplehistory.com/1981. html, http://www.infoplease.com/year/1981.html, http://www.1980sflashback.com/1988/economy. asp, http://www.inthe80s.com/prices.shtml, http://www.nasa.gov/multimedia/imagegallery/ image_feature_2488.html, http://www.history. com/this-day-in-history/oconnor-takes-seat-onsupreme-court, http://www.history.com/topics/ us-presidents/ronald-reagan, http://www.filmsite. org/1980squotes.html

www.PittsburghFiftyFivePlus.com | Summer 2016

REMEMBER WHEN

Summer is Soothing BY JOE BULLICK

ello Good Old Summertime! I always think of that song, “In the Good Old Summer Time,” when summer begins in June. This time of the year brings us the most hours of daylight. One of the things I loved when I was young, was when Mom and I would hang up the hammock outside because we didn’t have any air conditioning inside. I always enjoyed going to the movies in the summer time. By 1930, 300 theatres used air conditioners and it was a great way to escape the heat. By the end of the 20th century, more than 75% of American homes were air conditioned, we were in the 25% percent that had none. Another thing I liked during this time of the year was the summer Olympics. I

could not wait until the paper came, it was great because I had a paper route and got a free paper and I could catch the early results. The Olympic games originated in ancient Greece almost 3,000 years ago. They were revived in the late 19th century and have become the world’s preeminent sporting competition. This year’s Olympics will be held in Rio de Janeiro, Brazil. London turned it down. The IOC (Internal Olympic Committee) chiefs are extremely concerned over how far behind schedule the games have fallen. I was blessed that I got to go to the opening of the 1996 Olympics in Atlanta, Ga. I will never forget that year. Everyone has their sport that they enjoy

L to R, Tim Wheeler, Billie Jo Richman, Lanell Kimmel, Brian Catale, Kimberly Catale and Jody Catale

Retirement Planning and Wealth Preservation 910 Sheraton Drive Suite 240 Mars, PA 16046 Telephone: 724-591-8475 Toll Free: 800-794-0929 Website: Bcatale.com Brian@Bcatale.com

Summer 2016 | www.PittsburghFiftyFivePlus.com

to watch whether it was baseball, basketball, swimming or something else. Top male swimmers that I enjoyed following were: Michael Phelps who won in the Olympics - 18 golds, two silvers and two bronze and Mark Spitz. Spitz won nine Olympic golds, plus a silver, and a bronze. Tops female swimmers are – Jenny Thompson, Amy Van Dyken and Kristin Otto. The game of basketball started in 1891 as a demonstration and it has been played every year since 1936. It became an Olympic sport for men in 1936. Professional basketball players were allowed to participate in the Olympics games in 1992. Women’s basketball has had their day since 1976. So enjoy the Olympics, there is something for everyone – archery, baseball, boxing, just to name a few. Summertime is also a great time for picnics. The word picnic gets its origin from 17th century France for a group of people dining who brought their own wine. North and South Parks will be busy in the summer were a lot of people enjoy picnics and a fun time riding bikes, fishing, boating, swimming in the pools, playing softball, baseball or golf. Taking a nice walk around the lake is another good activity. Or why not go to Kennywood Park and take some rides on the coasters. You could also go to the beach and build a sand castle, or go to a fair that’s nearby. You could also pick berries or peaches at local farm, or go to farm markets, enjoy some corn on the cob, or make your own lemonade from scratch. Be sure some to watch some fireworks too. Whatever you end up doing, enjoy your summer with your family and friends. God Bless! n If you have a garden And a library, you have Everything you need. – Marcus Tullius Cicero

RETIREMENT PLANNING

Long Term Care Strategies BY BRIAN CATALE

I have been working with retirees for many years. We are working in conjunction with independent living communities, assisted living communities, nursing homes, rehabilitation communities, and hospitals. Most likely, we have helped more than one family in communities from Erie to West Virginia and Beaver to State College and everywhere in between. We guide families through the sequence of events that they are encountering.

ne problem that would come up over and over again is Long-Term Care Insurance Contracts. I would hear the same thing… “I purchased the policy when I was 60 years old, and I paid $2,000 per year. By the time I turned 80, my premium was $5,000 a year. By age 82, I could not afford it any longer, so I dropped the coverage.” $40,000 to $60,000 of premiums… gone. The shame of it all, in most cases when the clients turned 84 or 85 years of age, the coverage was needed or they passed away and all was lost anyway. We work with our clients on Long-Term Care Alternatives. The best in my opinion is a hybrid vehicle focused on wealth transfer with living benefits. If you don’t need the coverage, someone in your family will receive the funds. This is how it works. Let’s say a female client, 62 years of age with average health has: • $500,000 IRA Retirement Account • $100,000 Bank accounts, CD’s Money Markets • $75,000 Annuity - cost base of $45,000 We would: • 1035 exchange the $75,000 Annuity................................$75,000 • Withdraw $25,000 from the Money Market.....................$25,000 • Withdraw $7,500 for 10 years from the IRA, every year 1,500 goes to taxes • Taxes over 10 years............................................................ $15,000 • $6,000 into the new account (after taxes)..................... $60,000 over 10 year period • Value of Account..............................................................$160,000 This is what we just did. Of the $75,000 Annuity, we don’t have to pay taxes on the $35,000, from the interest made in the annuity because of the exemption in the tax code stating if we transfer funds from an annuity to a contract that is setup for Long-Term Care Coverage, the taxes will be exempt. From the IRA money, we have to pay the taxes, but remember what we withdrew, $7,500. $1,500 went to Uncle Sam to pay the taxes. $6,000 went into the new account. That is only 1.5% of the interest on the $500,000 IRA. $500,000 x .05% = $25,000 - $7,500 = $18,000 of the interest stays in the IRA account or is taken for income, but watch the magic.

$160,000 turns into $380,000 of In-home care, Long-Term care, Assisted Living Coverage, or Terminal Illness Coverage. If the Client does not use it for care, then $380,000 is a tax-free death benefit to their children or grandchildren. No Federal, State, Local, or PA Inheritance Taxes. Did I mention that of your original $160,000, you can get every cent back if you want it? This is called Return of Premium. A key note to remember, this will have insurance charges every year, but after the insurance charges, we see a .05% growth. So $160,000 x .05 = $8,000. Not only will the $160,000 cash value increase, but the coverage also increased about 2 to 1. Example: $8,000 Cash increased, coverage will increase by about $15,000, by the time my 62 year old client is 82, she will have $800,000 to $1,000,000 of coverage. How much did she start with? $160,000. We do this with all amounts of assets if you have a smaller portfolio than you need our help sooner. If you remember anything today, you will be paying taxes and medical expenses until you die. With 8,000 to 10,000 baby boomers retiring every day, do you think taxes and medical expenses will increase or decrease? For more information, contact Brian Catale & Associates at 910 Sheraton Drive, Suite 240, Mars, PA 16046, call: (724) 591-8475 or toll-free, call: (800) 794-0929 or visit Bcatale.com. n Brian Catale is known for Wealth Preservation and Retirement Strategies. At Operation Veteran Benefits and Brian Catale and Associates, We have been able to help hunL to R, Tim Wheeler, Billie Jo Richman, dreds of healthcare Lanell Kimmel, Brian Catale, Kimberly Catale professionals with stratand Jody Catale egies and techniques that no other advisors have been able to accomplish before. You may have seen Brian and his team in your place of work. They are helping your patients, parents, family members, and friends. You may have also heard Brian on Pittsburgh Talk Radio on his show, Wisdom Keys for Retirement. Brian and his team have been able to compile an effective system to assist in the complete retirement planning stages, from when to start your first social security check, to disinheriting the government at your death.

www.PittsburghFiftyFivePlus.com | Summer 2016

SENIOR CARE

The Transition to Care: Helping Your Loved Ones Adjust BY AMADA SENIOR CARE

amilies often have a difficult time navigating through the delicate process of helping an elderly loved one transition to senior care. It is hard to know exactly when a senior needs help, but it is usually when activities of daily living become too difficult or dangerous for them do alone. This is one of the main signs that a senior has reached the transition point. Some seniors are resistant to the idea of needing help, and many will not admit that they need it. Transitioning can be an emotional process, with seniors often feeling afraid, vulnerable and even angry that they cannot go it alone anymore, and the family members feeling stressed and guilty that they cannot be of more help to their loved one. The first step is to determine what kind of help is needed for the senior. If a senior

needs minimal care, like assistance with activities of daily living, then a caregiver in the home for a few hours a day might be a good fit. If a senior needs more personal care, moving to an assisted-living facility may be the best option. The family member should choose a good time to ask the senior his or her preference when it comes to care options. If a senior is resistant to having a conversation about the care needed, loved ones can enlist the help of other family members and friends. Family members should always make sure to describe the senior’s care options in a positive way, such as seeing an in-home caregiver as another friend. It may also help to explain that these care options can help the family members and their needs as well. The process will be easier if family members

avoid fighting about minor issues and try to understand the senior’s point of view. Many seniors see these care options as a loss of independence, when in reality, they can actually prolong independence. Sometimes a trial run of a certain type of care can help a senior see the benefits. Adjusting to an In-Home Caregiver If a senior prefers to age in place, an in-home caregiver is a great option. Even if staying in familiar surroundings, the adjustment to a new caregiver can be difficult and can take some time. Because the caregiver will be assisting with some very personal activities – bathing, dressing, and toileting – it’s important that the senior feels extremely comfortable with the caregiver that is chosen. Also, because the caregiver is coming into the senior’s home and personal space, the relationship must be built on trust. To help a senior adjust to having an inhome caregiver, it’s crucial to choose a good caregiver that will establish a relationship quickly with the senior and make them feel comfortable. Good caregivers are understanding of the adjustment period that most seniors experience during this process. One key factor to the transition is consistency. Once a good caregiver is found, most seniors will want to see only that caregiver. The home-care agency should work with the family to not only find the right caregiver, but to ensure that this caregiver will almost always be available for the senior. To avoid a situation where the senior is not familiar with the caregiver, any backup caregiver should be introduced to the senior ahead of time in case the regular caregiver can’t make it. The key to helping seniors transition to care is finding the highest quality care available. Amada Senior Care provides quality in-home caregivers, as well as placement advisory services for assisted-living communities. Whatever the situation, Amada professionals find the best option for seniors and their families to make the transition to care an easier and more pleasant experience. At Amada Senior Care of Greater Pittsburgh, we strive for consistency of care and make it a priority to partner our clients with quality caregivers that can fill all of the shifts needed for any client. Joe Spehar, owner of Amada Senior Care of Greater Pittsburgh, can be reached at Info. GreaterPittsburgh@AmadaSeniorCare.com or 724-510-7834. n Let our family take care of your family.

Summer 2016 | www.PittsburghFiftyFivePlus.com

CALL NOW to reserve your advertising space for the next issue!

724-940-2444