Next-What's New for Phase Two of Your Life. . . by Plus Pubs

2013 Whatâ&#x20AC;&#x2122;s New for Phase Two of Your Life.... Presented by

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Is the Maximizing Social Security Game Worth It?

aforementioned 32 percent bonus. I have written a fact sheet that explains these strategies in more detail. If you want a free electronic copy, send me an email at thomas.margenau@comcast.net. (This is the same fact sheet I’ve offered several times before in this column. So if you’ve sent for and received the fact sheet in the past, it’s the same version as the one I’m still offering today. There is no need to ask for another copy.) The good news about my fact sheet is that it is free. The bad news is that to find out if and how these strategies could work for you, you would have to get out your calculator and run the numbers yourself. But there are a growing number of businesses that will provide you with software programs or other services for a fee to help you make the calculations. I don’t want to mention or endorse any of these outfits, but a simple Google search using key words like “maximize Social Security” should lead you to any number of these enterprises. Or better yet, you can check out a recent Wall Street Journal story headlined “”Financing your future: how to maximize your Social Security benefits.” WSJ tested and rated five of these maximizing services. They used a fictional couple: Bob and Wendy, both of whom are turning 66 and

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both of whom are eligible for their own retirement benefits. Bob’s monthly rate is $2,182 and Wendy will get $815. They assumed that both Bob and Wendy would live until age 85. The Journal reports that using the five different programs, and the various maximizing strategies suggested by each, Bob and Wendy would get projected Social Security benefits over the next 19 years (age 66 to 85) of anywhere between $763,222 to $773,500. The WSJ article obviously goes into much more detail than I am providing here. But one thing the Wall Street Journal didn’t do is factor in a sixth scenario: no maximizing strategy at all. In other words, they didn’t tell you what Bob and Wendy would have received had Bob simply filed for retirement benefits at age 66, and Wendy filed for a combination of her own retirement and spousal benefits at the same age. And the answer to that question is $746,244. I am making this point to stress that these maximizing strategies aren’t really going to make you rich. To be sure, assuming you live to a ripe old age, you will end up netting maybe $20,000 or $30,000 more over two decades than you would had you simply filed for Social Security benefits in the regular manner. But you have to ask yourself if that extra money is worth the risk.

And the risk is this: “Are you going to live until that ripe old age?” For example, in several of the strategies suggested by the Social Security maximizing services, Bob would file and suspend and thus not get any Social Security benefits until age 70. In other words, he is essentially throwing away $2,182 per month for four years gambling that he will live until his mid 80s to beat the system. And if he has a heart attack and dies at age 69, what then? Well, then Bob would have lost the Social Security gamble. As I’ve reported before in the column, throughout my 40-year career of working on Social Security issues, both as an employee of the Social Security Administration and now as a columnist, I have met or communicated with thousands of widows who told me that their husband delayed benefits (usually until age 70) because he expected to live until his 90s. But then he died in his early 70s and each widow usually told me something like this: “Gosh, I wish he would have retired earlier so we would have had a chance to enjoy our retirement together.” And in that same 40year career, I have never once run into an 85 year old who came up to me and shouted with joy: “I did it! I lived long enough to beat the system!” I’m not saying those folks aren’t out there.

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Tom Margenau ave aging baby boomers turned into greedy geezers? Or are they just being wise and prudent with their Social Security benefits. I’m talking about a trend I’ve discussed many times in this column: Recent and near-term retirees are gaming the Social Security system (some might call it gambling) to squeeze every last nickel out of their Social Security benefits. They are primarily employing two specific strategies to maximize their Social Security payout. One, generally called file and suspend, allows a 66-year-old retiree to apply for Social Security retirement benefits, but then immediately suspend those payments, usually so that a lower-earning spouse can claim benefits on his or her record. So the lower-earning spouse gets up to half of the retiree’s rate, even while the retiree’s benefits are in suspense. At 70, the retiree “unsuspends” benefits and gets his or her full retirement rate plus a 32 percent bonus. The other strategy, known as the restricted application rule, allows a 66-year-old higher-earning potential retiree to claim 50 percent of a lower-earning spouse’s Social Security until age 70, at which point the retiree would switch to his or her own benefits — and they would come with the

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Invest in your vision for retirement

Steps to Take Are you focused on a bright, happy, clear future or a retirement clouded by poor vision? The picture may be up to you. “Up to 50% of all blindness in the U.S. is preventable—if people would pursue prompt diagnosis and treatment,” notes Dr. Brett Rhode, Head of Ophthalmology at a major local medical center. His partner at Eye Care Specialists, one of the state’s leading ophthalmology practices, Dr. Daniel Ferguson, adds, “Planning and investing in regular eye check-ups can benefit your sight, attitude, freedom and bank account.” For example, age-related vision impairment is a leading cause of disability and nursing home placement. It creates increased expenses in terms of doctor visits, special transportation, medical supplies and services. Vision loss also causes: difficulty doing tasks (cleaning, cooking, reading, seeing to take medicine, etc.); an increase in injuries, falls and car accidents; social issues (fear, withdrawal, depression, anger); and loss of freedom (to drive, shop, work, play, etc.) As such, Eye Care Specialists offers the following tips for seeing life to the fullest—now and in the future: ■ Schedule comprehensive, dilated eye exams.

Have a complete exam every 2-4 years ages 40-64 and every 1-2 years after age 65 (unless there are specific risk factors) to check for cataracts, glaucoma, macular degeneration, diabetic retinopathy, and other conditions. ■ Talk to your doctor. Discuss your concerns. Ask questions (see suggestions at right). ■ Follow surgery/treatment recommendations. ■ Be an informed partner in your own care. Educate yourself. Read about disease symptoms and the latest diagnostic tools and treatment procedures.

Questions to Ask

Make yourself an informed partner in your family's eye care. Ask questions such as: ■ What is my visual acuity (on the 20/20 scale)? ■ Do I have any eye diseases or disorders? ■ What caused my condition? Is it hereditary? ■ How will this condition affect my vision

and lifestyle—now and in the future?

■ Should I watch for any particular

symptoms and notify you if they occur?

■ What kinds of tests do I need? Why? When? ■ What is the best medical/surgical treatment for me? ■ When will treatment start, and how long will it last? ■ What are the risks, side effects, benefits

and success rates of this treatment?

■ Are other treatments available? ■ Are there foods, drugs, or activities

I should avoid while I'm being treated?

■ If my treatment includes taking a medication,

what should I do if I miss a dose?

■ Will changing my diet, exercise or other lifestyle

habits help improve my condition? Would eyerelated vitamin & mineral supplements be helpful?

■ If my vision can’t be corrected, can you refer me

For free booklets on the leading causes of visual problems during retirement, call 414-321-7035.

for low vision resources and rehabilitation services?

T Call us . . . at 414-321-7035 When you want information about cataracts, glaucoma, AMD, diabetes, dry eyes or floaters. We’ll send detailed literature—FREE. Poor vision does not have to be a fact of life as you grow older. Advances in ophthalmology have enhanced our ability to protect vision, but . . .

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Our skills and state-of-the-art technology are of no use if you don’t utilize them. What will motivate you to take care of your vision? Information. If you know the risks, symptoms, tests & treatment options for various conditions, you’re more likely to take measures to protect your eyes.

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Take the first step today, call 414-321-7035 for free brochures on any topic listed in this ad. Then, ask yourself, “When was your last eye exam?” 4 | NEXT 2013

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Offers highest quality of care

uality Home Health Care is committed to providing its patients with the highest quality care. Services provided include housekeeping, respite care, cooking/feeding, telephone reassurance, overnight care, personal care, baths, etc., administer medication, check medication compliance, companion/daily check. We are a health care service provider that provides in home skilled and non-skilled nursing services to individuals in the comfort and privacy of their own home. We are staffed with registered nurses, licensed practical nurses, certified nursing assistants, companions and housekeepers. Our staff is available 24/7 to provide you or your loved one that personal care that is deserved. Quality Home Health Care promotes appropriate, adequate, effective and efficient health care to all its patients. The future of this type of service will grow as the population reaches maturity.

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St. Clare Terrace is a place of caring and independence

t. Clare Terrace is an assisted living apartment community in the quiet neighborhood across from Alverno College. Once a dormitory for religious Sisters, St. Clare Terrace has been transformed into a beautiful residence for adults in need of a safe, secure apartment, and a friendly staff to help with lifeâ&#x20AC;&#x2122;s day-to-day needs. Residents at St. Clare Terrace have the freedom to enjoy a lifestyle that is most comfortable to them. A typical day might include joining friends for entertainment, discussing current events while enjoying a delicious meal, and spending a few moments of quiet time in the stunning chapel that is open to all faiths. In addition to a spacious apartment that features all the necessary amenities including walk-in showers, some of the other features that St. Clare Terrace offers include weekly housekeeping, an on-site beauty parlor and barber salon, 24 hour security, spa area, as well as

counseling and spiritual care. And, you can rely on the professional care of an on-site nurse who can help you with your medical and health questions. St. Clare Terrace is sponsored by the Franciscan Sisters of St. Clare and managed by Clement Manor. Conveniently located at 3553 S. 41st Street, Milwaukee. Contact them at (414) 649-0730.

Our stunning chapel welcomes people of all faiths to grow in spirituality. Plus, carefully designed features, convenient amenities and recreational and educational programs create a fulfilling life. Embrace independence at St. Clare Terrace.

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By: Marilynn Preston o matter your politics, party or pulse rate, panic is in the air. The market is tanking, jobs are scarce, civility has left the building arm-in-arm with common sense, and top economists are telling us that things will get worse before they get better. It’s going to get worse? Have you ever felt so much tension, seen so much dissension as our government rises to new levels of dysfunction every day? Our collective nerves are shot. Our national migraine won’t go away. What can we do?

EXERCISE! There’s no better way to deal with stress. Go

out for a run. Jump on your bike. Dance like you really mean it. Indulge in a mix of physical fun at least five times a week. Exercise helps fight depression, and the only side effects are more flexibility and greater strength.

If you feel too anxious, too jumpy to work out, get your shorts and sneakers on anyway and tell yourself you’ll quit after 10 minutes if you’re not feeling better. You will feel better. Why? Because you’re moving energy, you’re breathing deeply, you’re cooling your brain. Exercise won’t solve our national crisis — unless we mandate it for everyone, a minimum of 30 minutes a day! — but it helps us cope better.

MEDITATE.

Meditation is mainstream now. It’s not a religion, it’s not dependent on a relationship with God, Buddha or Shiva, it’s just an ancient and proven technique for quieting your mind.

From that place, stress melts, tension dissolves, and you can discover a new perspective for dealing with old problems. When you sit quietly for 10 to 20 minutes a day and listen to your breath, or repeat a mantra that can be as simple and secular as “peace” or “love,” you stop the endless narrative of your thinking mind and approach a calmer state that is associated with feelings of joy and bliss. Find a quiet place. Sit comfortably. Close your eyes. Relax. Listen to the sound of your breath. When your mind wanders — and it will — notice your thought, and let it go. Begin again. You won’t know how much better meditation can make you feel until you try it for a week or two.

KEEP A JOURNAL.

Buy a notebook. Don’t tell anyone, but call it your Gratitude Journal. Before you go to bed at night, write down all the things that you are grateful for. Do I have to prime the pump? An unexpected kiss. The strength to walk two miles. The freedom to think, to read, to learn, to grow.

Instead of focusing on what’s wrong, take a few minutes to dwell on what happened in your day that made you smile, that lifted your spirits, that touched your heart. Yes, this sounds soppy and sentimental. Many psychologists believe that happiness is a learned skill. It can begin with a gratitude journal. Again, this is not a cure-all. It’s a coping mechanism. Everything changes. Until things get better, be grateful for what you have.

DISCONNECT FROM DISTRESS. Let’s face it — the news is depressing. And yet, it’s like

seeing a dead deer next to the road. It’s almost impossible to look away. So give yourself permission to do the impossible. Look away. No one is forcing you to watch bad news TV or follow the scandalous flow of Internet effluvia. Turn it off! Use the time to read a good book, memorize a poem, play Scrabble with a friend. In other words, distract yourself from that which distresses you. It’s OK. It’s better than OK. It’s a strategy for feeling better. At the same time, engage in positive and practical ways to make a difference. Just now coming ...

ENGAGE IN SOMETHING UPLIFTING. One of the best ways to take your mind off your trou-

bles, or at least see them from a new perspective, is to help other people less fortunate than yourself. Practice kindness. Volunteer in the cancer ward of a hospital. Serve meals in a homeless shelter. Help a disadvantaged child learn to read. Work in a community garden, and bring your bounty to a local pantry. There’s no end of opportunities to help others. It’s selfish, I admit, but someone’s got to do it.

Senior Life

Life Gets Better With Age

Our confidence grows: We are more certain about ourselves. We become

less interested in comparing ourselves with others.

We get better at relationships: We conduct our relationships with greater

efficiency. We become more open as we try not to repeat past mistakes.

We handle decision-making with less frenzy: The hard-earned benefits of

hindsight add up. Our lived experience replaces guessing.

Our courage becomes nimble and diverse: We are less afraid of adversity,

having “been there, done that.”

We become more interested in others: Generosity and

sympathy become more valued traits as we all face the same fundamental predicaments. Our spirituality deepens: The search for meaning becomes more urgent. Petty concerns recede to the background. We become more vivacious: The young cannot see the exciting developments going on inside of elders. Those who have death in sight are determined to live life to the fullest. We slow down and see further: Elderly radiance comes from becoming more alive. Unexpected pleasures become abundant: We no longer squander our time, because time has become precious currency. SOURCE: Social worker Wendy Lustbader

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The Doctor-Patient Dance: You Take the Lead

By Marilynn Preston ew of us enjoy going to the doctor, especially if you have something scary, like symptoms. A stabbing knee pain. A nagging chest pain. A headache that keeps coming back, no matter how much Tylenol you take. Though your symptoms may vary, the goal is the same: You want to feel better, fast. And you want your physician to figure out what’s wrong (also fast). That’s why Dr. Jerome Groopman’s eye-opening book, “How Doctors Think,” is so valuable for people on the path to a healthier, happier lifestyle. He teaches us to be better, more aware patients. He recognizes that doctors are far from perfect when it comes to diagnosing our problems. They make mistakes, and the majority of errors they make are not technical screw-ups, but rather errors in thinking. Doctors are under great pressure to perform, and perform quickly. Like the rest of us, they jump to conclusions they’re comfortable with. They ignore facts that don’t fit. They have egos and emotions that cloud their judgment and lead them astray. So, given human nature, how can you improve your medical care? That’s what Groopman’s book is all about. Here are some highlights:

] BE A PARTNER. You can’t be passive, shy or

intimidated by your doctor, Groopman insists. Instead, be involved. A doctor-patient relationship works best when it’s a partnership. “Patients and their loved ones can be true partners with physicians when they know how their doctors think, and why doctors sometimes fail to think.”

] TRUST YOUR INSTINCTS. If you

sense the white-coated one is rushing through your exam, not listening to your story, pay attention. It’s an instinct to be honored. “Research shows that patients do pick up on a doctor’s negativity, but few understand how that affects their care, and rarely change doctors.” Groopman’s advice? Change doctors! Preston’s advice? Find an integrative doc trained in best practices of Western and Eastern medicine.

] DON’T BE PIGEONHOLED. Doc-

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] ASK QUESTIONS.

“What we say to a physician and how we say it sculpts his thinking. That includes not only our answers, but our questions.” You can influence your doctor’s thinking — even get it back on track — by asking certain key questions:

“What else could it be?” “Is there anything that doesn’t fit?” “Is it possible I have more than one problem?” If your doctor doesn’t have time for your questions and isn’t capable of giving clear answers, say goodbye, and find one who does.

] SLOW DOWN THE PROCESS. Studies have shown that physicians, on average, give their patients 18 seconds to tell their story before they interrupt. It takes longer than that to bait a hook. If your doc is distracted during your time together, be polite but speak up. “The inescapable truth is that good thinking takes time. Working in haste and cutting corners are the quickest routes to cognitive errors.”

] BEWARE OF CORRUPT PRACTICES. It’s shocking but

true: Some doctors get financial incentives or kickbacks to prescribe certain drugs or perform suspect surgeries. Hysterectomies were nearly a national sport before women woke up to underlying causes. Find your voice, advises Groopman. Ask hard questions, pursue second opinions and distrust any doctor who tries to turn the natural aging process into a disorder.

The U.S. medical system — with all its flaws and fractures — is there to help you. But if you’re not careful, and even if you are, it can hurt you. It’s not pretty, but it’s the truth. The best defense is a good offense. Find a doctor you trust and respect and can partner with. Be involved. Ask questions. And think about reading “How Doctors Think” before your next appointment. Marilynn Preston — fitness expert, well-being coach and speaker on healthy lifestyle issues — is the creator of Energy Express, the longest-running syndicated fitness column in the country.

tors think in stereotypes, like the rest of us: the hysterical housewife, the overworked executive. If you think your doctor is pigeonholing you and not paying enough attention to who you really are and what you’re really saying, call him on it. Humor will help.

] BE INFORMED. Groopman believes it’s per-

fectly OK, even beneficial, to learn everything you can about your case “and respectfully question each and every assumption about the diagnosis and treatment.” You do this not because you don’t trust the doctor or hospital, Groopman writes, “but because God did not make people omniscient.”

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Becker Property Services

t Becker Property Services, LLC, we advise anyone planning to retire to plan ahead. Planning will allow you to make choices rather than have choices made for you. Planning will also permit you to make decisions and choices on your schedule, not someone elseâ&#x20AC;&#x2122;s. Failure to plan is planning to fail. You donâ&#x20AC;&#x2122;t want to be forced into making choices and decisions about your life that you are not ready or prepared to make, so plan ahead. Becker Property Services, LLC can help you find affordable senior housing. It is our job to develop and manage affordable housing for seniors, age 62 and older. We have developed nearly 100 buildings that provide affordable housing options for senior and disabled populations across the country, with a majority of those located in Wisconsin. Our company currently manages six apartment buildings in Milwaukee and Waukesha counties for senior citizens age 62 and older. These buildings are located in the communities of Cudahy, West Milwaukee, West Allis, and Waukesha. Becker Property Services, LLC was initially established when Becker Consulting Services was organized and formed in Milwaukee, Wisconsin in 1984 by Joseph P. Becker. Prior to his private consulting activity in 1984, Joseph Becker was a HUD official for 15 years. His interest in providing hous-

ing consultant services stems from experience in planning, developing, operating, and administering housing programs for HUD clients. In 1988 Kenneth Becker joined the Becker Consulting Services. Since 1988 Kenneth Becker has served as a consultant or co-consultant for numerous housing developments for senior and disabled populations. His interest in providing housing consultant services stems from his experience in banking and finance, and the awareness of the need to develop housing resources for low and moderate income persons, particularly for senior citizens, persons with disabilities, and financially disadvantaged individuals. It was in 2002 that Kenneth Becker formed Becker Property Services, LLC, which provides full service property management in addition to encompassing the consulting and development functions of Becker Consulting Services. Today, Becker Property Services provides a full array of consulting, development, and management services. Becker Property Services, LLC manages buildings that are affordable, safe, secure, and barrier free. We offer rent subsidized (tenants pay 30% of their income for rent) one bedroom apartments for senior citizens age 62 and older. For more information call (262) 240-9406, email BeckPropSvcs@aol.com, or refer to our web site at www.beckerpropertyservices.com.

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elcome to your new home! We have been looking for you! Our incredible residents and caring staff are awaiting your arrival. If you are 55 years or better, elegant and independent living is calling your name. We are offering you a beautiful luxury apartment, in an exquisite Brookfield setting, including convenient onsite amenities, within walking distance to Sendik’s and other shopping, and various activities to keep you active and healthy. Our spacious one and two bedroom apartments include a fully equipped kitchen with oak cabinets, central A/C, generous closets and a patio or balcony. There is even room for your small pet. Within your new community home, you will enjoy a library, chapel with weekly services, beauty salon, exercise room, craft room, and a dining and gathering area with fireplace. Additionally, we offer weekly bus trips to grocery shopping and local stores.

For your safety we have security locked doors, underground parking, a morning check-in procedure and even an emergency pull cord system. Our efficient and friendly maintenance department gives you carefree living and the peace of mind you deserve. The housing program allows us to offer this amazing opportunity and remarkable experience at affordable rates. Certain income guidelines must be met and our professional staff will be happy to assist you with this process. We have no entrance or endowment fees. Don’t forget to ask about our terrific move-in specials. If you are 55 years or better, call or visit us soon! We already have the coffee brewing, as we are excited to help you celebrate the next glorious chapter of your life!

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e have arrived at a crossroads we face as an individual or often as a couple. Phase two is a time to reward achievement and recognize our accomplishments. Constraints of careers, job and family responsibilities are loosened. We eagerly research our options and start shaping our quality of life. Whatever we do, a new lifestyle is eminent. Once again, we take action and we continue the journey. Group travel with Lamers Tour & Travel presents an affordable carefree option that can be part of your lifestyle. Lamers creates rewarding and enjoyable experiences inclusive of discovery, fellowship, fun, food and joy. Lamers takes you to destinations you have never visited. Or returns to places you’ve been to recapture memories while making new ones. Pick a destination, direction, favorite interest or specific subject. Our vast tour inventory is spread throughout the year offering options across North America and beyond. New customers may start with a shorter tour giving them an idea of what motor coach travel is like. Soon they will build on this with a bigger trip. Folks often set a mission with a series like the National Parks, New England or patriotic themes ticking each tour off the list, eventually experiencing them all. Resorts, seasons, festivals and entertainment are also venue targets perfect for active second phase travelers. Every day will be a memorable experience when you are on a Lamers tour. Phase Two of your life is all about continuing the journey. Be sure to take a trip with Lamers Tour & Travel as part of your plan. Call us for your free Travel Planner!

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DOWntOWn MilWaukee Make a sure Bet— knOW YOur liMit.

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ne xt + Rents Start at $679

C a ll fo r Rent S p e ci a ls

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Thompson Meadows

comp name title

hompson Meadows has modern and affordable senior apartment homes located in a quiet-residential country like setting at 3120 E. Norwich Avenue in St. Francis. For independent seniors 55 and better. Our spacious one and two bedroom apartments have large open kitchens, huge closets, shared floor laundry facilities, air conditioning, small pets welcome (some limitations apply), secured entrance and cable TV hook up. Advantages to living at Thompson Meadows include being close to shopping, handicap accessible and convenient access to interstate. Other amenities you will find at Thompson Meadows include a library, community room and game room, 24 hour maintenance, emergency pull cords in bedroom and bathroom and an elevator. We have a gazebo and garden on our grounds. We’re offering at this time 1st month free rent. Rents starting at $585 with a $99 security deposit due. Thompson Meadows is professionally managed and you can contact Sheila Crabb at 414-769-9240 for any details or email thompsonmeadows@aol.com.

• Country like setting • Gazebo & Garden • Huge closets • Large open kitchens • Same floor laundry • 1 & 2 bedrooms starting at $585 • Small pets welcome • Elevator • Library

Professionally Managed

For Independent Seniors 55 & Better 414.769.9240

3120 E. Norwich Avenue • St. Francis, WI 53235 thompsonmeadows@aol.com 2013

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CLEMENT MANOR expands continuum of care and commitment to brain health

new program designed for those with a diagnosis of early memory loss or dementia is starting in November. This four hour program will help those who want to enhance their memory and brain function and provide a respite opportunity for caregivers. This program is the latest addition to the Clement Manor continuum of care. Clement Manor has been in the business of providing services that allow residents and people in the community to age in place, especially those with memory loss. From lifelong learning programs to Long-term Memory Care, all of the services someone needs to experience healthful aging can be found on the Clement Manor campus. The Clement Manor Center for Enrichment and Life Long Learning is a place where older adults can gather to stay active, healthy and continue to learn. This Center provides opportunities for education, wellness and spiritual growth while encouraging social interaction – all components of maintaining a healthy lifestyle. Classes vary from water fitness and yoga to lectures and discussions about the Supreme Court, Comparative Religions, Art and Music. What makes the Center for Enrichment so unique is its long history of collaborating with volunteer instructors. The Center’s roots run deep with this concept as it used to be the LaFarge Life-

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long Learning program hosted by the School Sisters of St. Francis. When the program moved to Clement Manor, the format and quality of programming stayed the same. The Center is always looking for volunteer instructors who are willing to share their passion and/or expertise with older adults. This type of community volunteering provides a rewarding exchange, indeed. Take a tour of this faith-based facility and find out for yourself why the American Health Care Association recognizes the staff and services as an extraordinary example of quality. Contact Clement Manorat (414) 321-1800 or visit its website at www. clementmanor.com. Located in Greenfield at 92nd Street and Howard Avenue.

Services include:

• Center for Enrichment and Life Long Learning • Child Day Care • Adult Day Services • Early Memory Loss Program • Short Term Rehabilitation • Assisted Living • Independent Living • Skilled Nursing/Long Term Care • Memory Care Specialty

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Tudor Oaks “Senior Moments” - The Memory Issue

here are my keys? Did I buy what I actually stopped at the store for? What day is it? Remember the days when you never asked these questions because “senior moments” were not part of the normal day. If you are reading this article because you are concerned about your ability to recall, you may not have to worry. Surveys show that if you are concerned about memory loss it is most likely due to a stressful time, aging, illness or distraction. However, those who do not worry about memory loss are more likely to be suffering from dementia. According to a John Hopkins Special Report on age-associated memory impairment there are a number of things you can do to improve the chances of keeping your memory sharp. • Stay mentally active – learn something new, volunteer, do crossword puzzles, read. • Stay physically active – exercise increases the blood flow to the brain resulting in clear thinking. Walking or an exercise program for 30 minutes a few days a week is all it takes. • Rule out other causes of memory loss – check with your doctor memory loss could be due to a medication, hearing loss, depression, thyroid dysfunction, vitamin deficiency or stress which are all treatable. • Do not smoke – smokers over age 65 are 3.7 times more likely to experience mental decline. • Limit alcohol consumption – experts recommend no more than one drink a day for women and two per day for men. • Place commonly lost items in the same spot – get into the habit of putting your keys, glasses or other important items in

the same location every time. • Write things down – keep a to do list and add numbers or important dates as necessary. • Say words out loud – hearing can increase recall. Repeating a persons name right away can help you remember. ..“Hello Mary, it is nice to meet you”. • Group items using mnemonics – which is a technique used to enhance memory. Associate what you are trying to remember with something that is familiar or paint a mental picture until you see it clearly. Try to alphabetize a list or put it to song. • Use memory aids – notepads, cell phone alarms and voice recorders can all assist in keeping track of important information. • Use visual images – to remember a name create a story and picture the person acting out their name. Mrs. Baker could be making a batch of cookies. • Stop worrying – Concentrate and relax. Use a deep breathing or muscle relaxing technique to keep the stress and anxiety levels low so you can think clearly. Age associated memory loss is common and is not necessarily a sign of a serious neurologic disorder. See your doctor with any ongoing concerns you may have. Build the above suggestions into your day and create an atmosphere for creative thinking, learning and activity. The more you challenge your mind the sharper it will remain. Tudor Oaks Retirement Community encourages you to design your retirement to keep your mind healthy and clear. Call 414-5256500 to set up a tour and explore ways to keep that memory sharp!

Tudor Oaks Tudor Oaks Resident

Retirement Community

Senior Living Designed by You!

• Independent Living Luxury apartments with attached heated garages • Assisted Living Brand New Wing is Open • Skilled Nursing 24/7 Quality Care Online? • Rehab Stays Private Rooms, 40-inch TVs & WiFi Check out the new • Memory Care Private apartment with private bathroom TudorOaks.net • Respite Private Room, up to 28-day stay Call for a tour

414-525-6500

S77 W12929 McShane Drive, Muskego, WI 53150 www.TudorOaks.net

Tudor Oaks Retirement Community is owned and operated by American Baptist Homes of the Midwest, a not-for-profit provider of senior housing and healthcare since 1930.

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The San Camillo Lifestyle... Strength of Community, Warmth of Home!

The St. Camillus campus is more than a retirement community, more than a healthcare provider, and based on an abundance of testimonials from residents and their families, more than you might expect! Our continuum of care extends from independent living to assisted living, to skilled rehabilitative and nursing care all in one community. We even provide home care services in the privacy of your home or ours. Location... Location… Location! Nestled in a residential neighborhood directly across from the zoo, St. Camillus offers beautiful views, a great central location and close proximity to the area’s best medical facilities, shopping, restaurants, and cultural opportunities. The St. Camillus Continuum of Care begins at San Camillo, our vibrant retirement living community designed for adults 62 and older. Walk inside our doors and you will discover a warm, welcoming community where our residents enjoy beautifully appointed common areas, abundant offerings for dining, daily worship, education, and fitness as well as a myriad of cultural and social opportunities. Our 280 spacious, well appointed apartments vary in floor plans and size – something for everyone! Residents are able to customize their apartments according to their own sense of style through our comprehensive Design Center. St. Camillus Home Care offers additional services on a temporary or long-term basis to those in their home—whether at San Camillo, an assisted living apartment, or residing still in the atlarge community. Services range from a nurse’s visit to regular

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housekeeping service. Should a individual’s needs outgrow the scope of our home care support program, a move to our assisted living can easily be arranged. Our Assisted Living staff offers a continuous level of support, providing 24-hour care and support to all residents. Our Assisted Living residents maintain an active lifestyle and enjoy numerous amenities the St. Camillus campus offers, and feel secure knowing ’round the clock nursing services are available. We even offer a program designed to meet the unique needs of residents who have experienced significant memory due to Alzheimer’s or related dementia. Rated one of the best skilled nursing facilities in the Country by US News and World Report, and earning a Five Stars rating of excellence by Medicare, St. Camillus Health and Rehabilitation Center offers both short-term and long-term care. Our short-term rehab program works to restore an individual’s health and independence, granting them the ability to return home as quickly as possible. Our long-term care programs offer 24-hour nursing care to meet the most complex rehabilitative needs. St. Camillus makes palliative and hospice care available in our resident’s homes, wherever that might be. Our nurses and pastoral staff are here to help during our resident’s final months, days, and even minutes, and will do everything possible to make the journey more comfortable and peaceful. To learn more about the San Camillo/St Camillus difference, contact us at 414-259-6310 or stcam.com.

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Rent A Daughter

F & S Direct

he Little Things Can Become Big…and Expensive. As we age, little things like getting up from your favorite chair or stepping into your bath tub are no longer taken for granted. Think about it…when you step into your tub do you try to support yourself with a flimsy towel bar? One slip can result in an injury that can derail your dream of staying in your home. One-third of people age 65 and over suffer from falls every year. With the average cost of assisted living in Wisconsin being over $42,000, the financial consequences can also be devastating. Dennis F., 67, said that his parents, “took sponge baths for years because they couldn’t get in and out of the bath tub. I’m finding out now that a lot of seniors my age have the same problem.” The good news is that you can reduce your risk of falling with easy home modifications. According to Sean Flannick of Walk-In Tubs Of Wisconsin, “Whether it’s installing a walk-in bath tub, replacing your current tub with a shower, or just installing a few grab bars, you can take action to maintain your independence. Regardless of budget, there are solutions. A small investment in yourself now can help you maintain an active lifestyle for years to come.” To learn more you can contact Sean at 262-443-3950 or visit www.WalkInTubsOfWisconsin.com.

or the past 28 years, aging adults and those who love them have found Rent-A-Daughter to be a compassionate and loving provider for their needs. We are a family owned home care agency with a mission to help older and convalescing adults live independently by providing non-medical home care. Because of the communicative and nurturing spirit of the business and the intentional matching between caregiver and client, Rent-A-Daughter is a seamless extension of the love, warmth and compassion people receive from their own families. Together, our owners, office support staff and caregivers create a network of people who are committed to providing care for those we serve. Our core belief at Rent-A-Daughter is that every person, throughout every season of life, is deserving of love and respect. Since 1985, we have had the privilege of embodying that belief by helping older and convalescing adults live their lives to the fullest. Celebrating each of life’s seasons, we are committed to providing caring hands for aging hearts.

Call today for a FREE in-home, no obligation estimate

262-443-3950 “Be sure to call before you fall!” We also sell grab bars.

www.WalkInTubsOfWisconsin.com

Present this coupon at time of estimate for

With the purchase and installation of a Walk-in Tub or Easy Entry Shower. Offer expires December 31, 2013. Not Valid with other offers or coupons.

With the purchase and installation of a Tub to Shower Insert. Offer expires December 31, 2013. Not Valid with other offers or coupons.

$500 Gift Card

$75 Gift Card

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Ridgedale Apartments

re you looking for a carefree lifestyle that will offer you the comforts of home without all the burdens of home ownership? If so, Ridgedale Apartments wants you to come and live in a beautiful park-like setting, with a caring, friendly staff and affordable housing for seniors ages 62 and older. Ridgedale Apartments has so much to offer its residents, such as its spacious, fully carpeted one bedroom-open concept apartment floor plan (550 square feet) complete with garbage disposal and appliances, a secure resident controlled personal entry system, roomy individual storage units and a large laundry facility. It also has a community room complete with a full kitchen and has an on-site caretaker available 24/7. All apartments are cable ready and include heat and water. Best of all, Ridgedale apartments are close to shopping and small pets are welcome. For more information, please call us today at (414) 421-9314.

Parkside

arkside Commons is an active senior living community for adults 55+. We’re located at 1400 W. Custer Avenue in Glendale where you can enjoy the quiet residential neighborhood in these well appointed apartment homes with interesting floor plans that create a perfect setting for resident’s belongings and furniture. Communal areas invite socializing and exercising. Offering air conditioning, secured entrance, cable TV hook-ups, pet friendly, garages available, handicap accessible, convenient access to interstate, close to shopping, on site management with heat & water included in rent. Living arrangements include 1 bedroom/1 bath $650, 2 bedroom/2 bath $750 with no enrollment/endowment fee. Popular activities include pot luck dinner, free continental breakfast, celebrate birthdays with cakes and ice cream, movie night and craft class. The lifestyle you deserve is at Parkside Commons Apartments. Contact Marilyn at 414-352-1237 for information.

RIDGEDALE Quiet Senior Community 62 & Older • Affordable Income Based Rent • Great Floor Plans • Attractive 1 Bedroom • Heat Included • Picturesque Setting • Appliances/Microwave • Elevator & Laundry Facilities • Convenient to Shopping

We Offer: • Air Conditioning • Secured Entrance • Cable TV hook-ups • Exercise Room • Pet friendly • Garages available • Parkside is handicap accessible

• Convenient access to Interstate • Close to shopping and more • 1 & 2 Bedrooms • On Site Management • Heat & Water Included

Enjoy the quiet residential neighborhood and make it your new home. Call Today for More Information

(414) 421-9314 7740 W. Grange Ave. • Greendale, WI 20 | NEXT 2013

414-352-1237

ne xt Five Star Quality Care

s you think about retirement, you should: prepare for your future, anticipate possible lifestyle changes and plan ahead. These simple steps can minimize stress by putting you in control of your decisions for your future. And at Five Star Quality Care, we can help. When you become a member of the Five Star Senior Living family, we help you live well for life. With specialized skilled nursing care throughout southeastern Wisconsin, our residents never need to search for care simply because they have new needs. The care they need is all in the Five Star family. Here are just a few: Virginia Health and Rehabilitation Center, Waukesha. It has been recognized for being an outstanding place to turn to after surgery or an extended illness. The therapies and 24-hour nursing care and available help for our short and long-term residents with complex medical challenges to live healthier are always available. Brookfield Rehabilitation and Specialty Care, Brookfield. This skilled nursing facility houses a Dialysis Center. Here we are able to care for residents who need specialized renal care. We offer hospital-quality care in a home-like atmosphere. River Hills West Healthcare Center, Pewaukee. In addition to short and long-term skilled nursing and rehabilitation, it is home to Five Star’s award-winning Bridge to Rediscovery memory care program, other services provided include wound care, infusion therapy, respite care, and hospice. To learn about Five Star Quality Care and what it has to offer visit www.5sqc.com.

Your vision is changing. Change with it! Let Vision Forward show you how. Changing vision impacts more than 1 in 5 Americans over the age of 50. This can take the form of losing the enjoyment of reading, to near-total vision loss. Regardless of what form changing vision takes, Vision Forward offers services and products to help restore an active, joyful life. “At Vision Forward, we help tackle a variety of challenges to enable our clients to be as independent as possible,” says Jaclyn Borchardt, Adult Rehabilitation Services Director. Vision Forward offers an Jaclyn Borchardt array of services from assistive products to low vision services and support. Vision Forward will help turn your “I can’t” into “I can!” Call us or stop in to find out how we can help you live successfully with changing vision! 414-615-0100 vision-forward.org 912 N. Hawley Road Milwaukee, WI 53213

In 20 years, the number of Americans affected by age-related vision loss is expected to double. Don’t let changing vision affect living life to its fullest and doing what is enjoyable.

414-615-0100 • vision-forward.org 912 N. Hawley Road, Milwaukee, WI 53213 2013

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Prairie Meadows II & III

ome discover Germantown’s best kept secret. A community for seniors. Prairie Meadows II & III Senior Housing is an independent senior living community. All apartments come with stove, dishwasher & refrigerator. Some apartments have washer and dryer hook ups. Heat, water, unit gas, trash & recycling are included along with one underground parking spot. We have a community room, exercise room and library for residents to use. Laundry facilities one each floor, along with elevators. We have a well maintained walking path. Living arrangements include one and two bedroom apartments with one bathroom. Some apartments have walk-in showers. Enrollment/endowment fee is one month’s rent. Refundable if no damages to apartment are found. Call for more info 7 move in specials at 262-5320974. Must be 55+ - Income Restrictions Apply.

Come Discover Germantown’s Best Kept Secret. A Community for Seniors.

Prairie Meadows II & III W168 N11374 Western Ave. Discover the delights of Prairie Meadows apartments in the midst of acres of well manicured landscaping, special touches such as private patios, and walk in closets add to the distinction of our community. Lovely one and two bedroom senior apartment homes. Beautiful 1 and 2, fully equipped kitchens, air conditioning. Heat and water included. Elevator, exercise room, library and community room. Call for more info & move in specials

262-532-0974

Must be 55+ - Income Restrictions Apply

ADVICE FOR SENIORS

: We moved to a retirement community seven years ago and are happy here. However, the monthly maintenance fees have doubled, and we are concerned about future increases. We live on Social Security and a small retirement income. Can we afford to stay? What are our choices?

: List exactly how you now spend your money. Do not wait until the increases come and force you to bail out. Think options! They are always on the table and can make things doable. Can you cut expenses? Consider a part-time job. Check out selling and renting. Cut food expenses by ordering Meals On Wheels. Seek entertainment and socializing at your senior center. Check your newspaper’s classified ads to find paying work. Do neighbors or friends need help with their yards or housekeeping? Shop the dollar and charity stores. Reasonably priced items and good values are often found there. Do your utilities offer seniors lower rates? Perhaps there is even the possibility of a part-time job at your homeowners office. Be creative and discover your options. They exist!

: Over the years, my wife and I have purchased two small duplexes. Inflation and excellent locations have increased their value. Our only grandson has been working part time as a bank teller for the past two years, but he is not upbeat about his future there. He has a winning personality and people skills. We pay a rental management company nearly $15,000 a year for its services. Does it make sense to hire our grandson to take over the management?

: Go slowly! Dealing with the family, jealousies, managing him, excusing his mistakes and giving advice he will accept requires more patience than you can imagine. Sometimes you, as the boss, won’t be satisfied with his performance. What do you do then?

Title 19 & Pre-Arrangements

Simple Cremation $595.00 (Excluding Cremation Permit & Fee)

Traditional Funerals 1, 395.00 at your Church or Cemetery Chapel of your choice Call for more details

414.453.1562

SERVING ALL OF WISCONSIN 22 | NEXT 2013

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ne xt POTAWATOMI BINGO CASINO LINE RUNS Monday–Sunday Daytime Runs (arrivals before 2 p.m.) • $10 in FKC Reward Play • $10 Food and Beverage Credit • Round-trip Transportation Cost is $18 per person.

Daily Evening Runs

• $15 in FKC Reward Play • Round-trip Transportation Cost is $16 per person.

FOR THE MOST UP-TO-DATE INFORMATION OR TO MAKE RESERVATIONS,

CALL BADGER BUS TOLL-FREE:

1-877-894-6287

Have a Group of 10 or more? Contact Badger Bus Group Sales at 1-800-416-2049. Save Make reservations online $ at paysbig.com/bustrips.

Save Make your reservation via phone $ by 3 p.m. the day prior to your trip.

No line run service on all major holidays except Labor Day. Must show valid photo ID and Club card to receive any portion of package. Four-hour minimum stay is required.

MAKE A SURE BET—KNOW YOUR LIMIT.

1721 WEST CANAL STREET • MILWAUKEE, WI 53233 • 1-800-PAYSBIG • PAYSBIG.COM • MUST BE AT LEAST 21 YEARS OLD TO ENTER CASINO; 18 TO PLAY BINGO WINNERS RESPONSIBLE FOR ALL TAXES • MANAGEMENT RESERVES ALL RIGHTS • GAMBLING PROBLEM? CALL 1-800-426-2535 ©2013 FOREST COUNTY POTAWATOMI COMMUNITY, WISCONSIN

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