LLAF-Phoenix-Oct 2013

www.lovinlifeafter50.com

Phoenix Metro October 2013

Health & Wellness 2013

Sponsored by:

The Affordable Care Act: How it Will Impact Seniors : : by Alison Stanton

Finish Line Newsletter starts on page 57

HMO Charts

Compare available plans on page 38.

SE O O S CH U

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WHAT A BREATH OF FRESH CARE.

TM

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Choose us as your primary care provider.

Visit HatfieldMesaPrimaryCare.com

6 locations in the Phoenix area.

Se habla español.

480-545-1100

480-833-1800

©2013 Concentra Operating Corporation

page 2 : : Lovin’ Life After 50 : : October 2013 CONC-1313A PHO_LLAfter50_50p_AEP_10x11_F.indd 1

www.lovinlifeafter50.com 9/9/13 2:08 PM

Come Experience The Citadel With Us! Call 480-832-7600 to Arrange Your Tour Today

A

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“We couldn’t be happier” “We instantly fell in love with The Citadel when we saw the lush landscaping. Seeing the large tree in front of our front door sealed the deal for us! I love living with beauty around me.

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A holiday concert to get you in the mood!

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October 2013 : : Lovin’ Life After 50 : : page 3

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Sun City’S BeSt Kept SeCret Spacious and bright 1 & 2 bedroom homes • Full size washers and dryers in home

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November 2 Friday Aerobic Boogie, 12:30 p.m., Shadow Mountain Senior Center, 3546 E. Sweetwater Ave., Phoenix, free with membership of $10 residents, $20 nonresidents, (602) 534-2303. Fun, low-impact aerobic exercise.

The Affordable Care Act

• Walk in showers

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contents

Sun City Squares Square Dance Lessons, 6:30 p.m., Fridays in November, Bell Center, 16820 N. 99th Ave., Sun City, $5/lesson (first lesson free), (623) 8752642, azsquaredance.com.

• Community bus

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Westerners Square Dance, 6 p.m., Thursdays in November except Thanksgiving, R.H. Johnson Social Hall, 19803 R.H. Johnson Blvd., Sun City West, $3 members, $4 guests, (623) 322-5201, azsquaredance.com.

The AZ Swing Kings Orchestra, 5 p.m. to 6:30 p.m., Birt’s Bistro, on the patio, 16752 N. Greasewood St., Surprise, free but table reservations required, (623) 584-0065.

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page 12 : : Lovin’ Life After 50 : : November 2012

Your home.

A shelter. An investment. An important retirement asset.

page 24 Square Dance, 7 p.m., Westminster Cactus Corners Presbyterian Church, 4735 N. 19th Ave., Phoenix, $5, opinion (602) 989-4590, azsquaredance.com.

6 Sound Off November 3 Saturday 6 The Curmudgeon Sunland Village Arts and Crafts Fair, 8 a.m. to 2 p.m, Sunland Village, 4601 E. Dolphin Ave., Mesa, free, 7 The Upside (480) 832-9003. Nearly 100 vendors all with handmade items.

9 Ask the Old Bag 10 The Widow’s Corner 11 Bear Market Report entertainment

12 Calendar of Events 33 Puzzles 40 Boomerish 42 Trivia Contest health & wellness

24 The Affordable Care Act 38 HMO Charts Your home may be a great financial asset in your retirement plan.

home improvement

If you’re a homeowner age 62 or older, a reverse mortgage from Urban Financial Group could help you access some of the equity you’ve gained over the years.

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Multi-generational Households 48 Jan D’Atri travel

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Calculated Couples Singles Dance, 8 p.m., Pointe Hilton Tapatio Resort, 11111 N. 7th St., Phoenix, $10 or $9 with pet food or toy for animal rescue, (602) 7650200, www.cupidhelp.com. Dance for those ages 39 to “retirement plus.”

Dancing Musical Fashion Show and Luncheon, 12 p.m., Union Hills Country Club, 9860 W. Lindgren Ave., Sun City, $15 to $175, (602) 788-9556. The event, which benefits victims of domestic violence, features emcee Danny Davis from KOY radio and the entertainment, Bob Messinger from the Messinger Band. Family fashions from Dillard’s will be modeled by models from ages 2 through 80.

Art in the Park and Cars in the Park, 9 a.m. to 4:30 p.m. (art and cars) and 9 a.m. to 3 p.m. Nov. 4 (art only), Islands Community, 825 S. Islands Drive West, Gilbert, free admission, $10 per car entry, (480) 545-7740, www. islandscommunity.org. This festival will feature a selection of quality fine arts and crafts chosen through a jury process with awards for both art and cars presented on Saturday.

credits

Senior Advocacy Group of Ahwatukee (SAGA) Workshop, 8 a.m. publishers to 2:30 p.m., Pecos Community Strickbine Center, 17010 S. 48thSteve St., T.Phoenix, $10 suggested Steve Fish donation, www.eventbrite.com/event/4289114858. editor For adult childrenexecutive of seniors, seniors, senior advocates, Shanna Hogan caregivers, service organizations and businesses providing managing community editor services or products to seniors.

Christina Fuoco-Karasinski ...continues on page 14

features editor www.lovinlifeafter50.com Christina Caldwell art director Erica Odello advertising sales director Zac Reynolds senior account executive Lou Lagrave sales administrator Shannon Fish photographer Adam Moreno contributors Drew Alexander, Jan D’Atri, Michael Grady, Jimmy Magahern, Terry Ratner, Gayle Lagman-Creswick Alison Stanton

© 2013 by EOS Publishing, LLC. Lovin’ Life After 50 is a monthly publication dedicated to informing, serving and entertaining the active adults of Arizona. It is published by EOS Publishing, LLC, an Arizona limited liability company. Subscriptions are available for $24 per year or $40 for two years. Send check or money order to Lovin’ Life After 50.

52 Alligators, Birds and Plants,

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page : : ad_Tinney_dd082013.indd Lovin’ Life After 50 : : October 2013 Your4Home 1

will host more than 70 different booths focused on improving the wellness of you and your environment. Guest speaker Bill Harrison will speak about medical quackery—past and present.

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57 Finish Line News

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October 2013 : : Lovin’ Life After 50 : : page 5

opinion Sound Off Just picked up the latest issue of Lovin’ Life After 50. This is maybe only the third one I’ve seen, but I really like it! You folks put out a fine publication. I appreciate the diversity of the articles. The publication could not be considered an “old fart’s” newspaper by any reasonable definition of the word. I especially like the fact that you include a regular humor column. The Curmudgeon,

by Drew Alexander, is the first thing I read each month! Good humor is hard to write, and Mr. Alexander is a master of it! Keep it up!

Thomas Jefferson stated, “Most bad government results from too much government.”

Boy that certainly applies to the Obama administration!

Regarding the gay marriage issue and the criticism of those who oppose it as being “none of our business.” How dare you insist that we must accept it? Yes, it is being forced down our throats by the liberal,

left-wing, politically correct media.

How dare man make laws above God’s law, which is marriage is a sacred sacrament between one woman and one man! Civil unions are acceptable, but same-sex marriage is not. What’s next? Are people now going to be able to marry their pets so that the pets will have rights? This country is going is the wrong direction very quickly.

Whatever happened to: Do unto others as you would want them to do unto you? Jodi Arias using self-defense was insane. She had every opportunity to get out of that relationship because Travis Alexander was going to Mexico with someone else. It was her “revenge” that killed him in the shower. She should get two choices: (1) Depart this world with the same treatment she gave Travis, or (2) Take the easy way out on the electric chair.

Believe it or not, in the 1990s if you knew why the Texas oilmen were in Baku, Azerbaijan, to help find a route for an oil shipping line through Turkey, Syria and Lebanon from the landlocked Caspian Sea to the Mediterranean ports, you would know why Russian and American ships are there today.

The Curmudgeon Interpreting ‘Govspeak’ : : by Drew Alexander

T

here’s the English language as you and I know it, then there’s the vernacular native to politicians and bureaucrats when pseudocommunicating with the hoi polloi that I call “Govspeak.”

When you hear someone uttering Govspeak, you may think you know what you’re hearing but you really aren’t. This is because the surface words always have an underlying meaning.

So it’s up to me, your humble word warrior, to interpret the true nature of what you are being told by the ruling class in Washington, D.C. Govspeaker says: “We are thoroughly investigating the matter.”

Really saying: We’re going to sweep this under the rug and you people will soon forget all about it.

Govspeaker says: “The American people have a right to know.”

Really saying: You little people out there may think you have a right to know, but nobody here is going to tell you what’s really going on.

Govspeaker says: “I’m drawing a red line and if you cross it there will be serious consequences.”

Really saying: I know I’m not scaring anybody, I just like sounding macho sometimes.

Govspeaker says: “We are implementing these measures for the good of the public.”

Really saying: You are too stupid to know what’s good and what’s bad for you so the government will make these decisions for you.

Govspeaker says: “We need to invest more in the infrastructure of America.”

Really saying: We want to raise your taxes so that we can spend more for programs

page 6 : : Lovin’ Life After 50 : : October 2013

Don’t be fooled again, Americans.

It’s all about oil. It’s always about oil.

Thank you. Pay attention and check your history books, although some of it is hidden so well you’ll never find it.

Drew, stop slavering over the “attractive” talking heads on the Fox News picture box and let me help you understand tyranny.

Tyranny is gassing your own citizens with chemical weapons. Tyranny is setting yourself up to be the leader of your country—for life. Tyranny is fabricating lies that mire your country in costly and unnecessary wars.

Tyranny is laws purging voters from voting rolls, and suppressing voting rights and voter participation. Tyranny is corporate advantage over “We the people.” Tyranny employs scare tactics—much like you and the Tea Party Republicans—as a strategy to keep people afraid and misinformed.— Jim Wilson, Tucson Isn’t it amazing all of the expert talking heads on TV trying to dump the president for years that now think he alone will have all the answers for the problems ...continues on page 35

We Want to HEAR from You! Your message will be printed in the next issue!

At Lovin’ Life we believe your opinions should be heard. Give us yours! Space providing, your Sound Off will be printed in the next issue. Please limit your messages to one minute or 100 words and include your name only if you would like it printed.

e-mail us: soundoff@lovinlifeafter50.com

Leave a message: (480) 348-0343 option 8

that don’t accomplish anything except to curry favor with our powerful constituencies that help us stay in office.

Govspeaker says: “Education and the future of our children are my top priority.”

Really saying: I know that most public schools are a disaster, but I can’t support any common sense things like school vouchers because I get campaign funds from the teachers’ unions. Besides, my kids attend a private school, so they’ll be just fine.

Govspeaker says: “Congress is determined to reduce spending and to eliminate waste and corruption.”

Really saying: I’m saying this because it sounds good, not because it will ever happen.

Govspeaker says: “The president is evaluating the crisis and is consulting with his top security advisers.”

Really saying: The president is out on the golf course.

Govspeaker says: “The federal government employees in question have been placed on administrative leave.”

Really saying: We don’t actually fire

Write us: Lovin’ Life After 50 3200 N. Hayden Rd., Suite 210 Scottsdale, AZ 85251

anybody. They just go home for a while and still collect their paychecks.

Govspeaker says: “This is unacceptable.”

Really saying: We say this when we don’t have a more meaningful comment about something bad that has happened.

Govspeaker says: “We must have comprehensive (fill in blank) reform.”

Really saying: By “comprehensive” we mean that every special interest group gets something they want while we in Congress tack on a few billion dollars worth of earmarks for the things that will make us look good to the folks back home.

Govspeaker says: “We are referring this matter to a committee.”

Really saying: You will never hear about it again.

Drew Alexander, also known as “The Curmudgeon,” is a monthly columnist writing about political issues. Send comments to drewalexander@cox.net or to Drew Alexander, in care of Lovin’ Life After 50, 3200 N. Hayden Road, Suite 210, Scottsdale, AZ 85251.

www.lovinlifeafter50.com

The Up Side

Five Books that Altered the Course of My Life

“W

: : by Michael Grady

rite a short essay,” my English teacher told us, “five books that changed my life.”

This was, of course, some time ago.

I was in high school—so only about 20 books existed at the time—and I had read just three of them. (I think I listed “Curious George Finds a Tick” twice.) The intent, then, was to shame us about our lack of literacy so we would dutifully march into the pages of “Beowulf.”

But, unlike my sideburns and acidwashed jeans, that question is worth revisiting later on. Books can have a profound influence on your life. (I know a couple of folks who, but for “Catcher in the Rye,” might have done serious harm to themselves.) Books demand an investment of focus and imagination that’s almost unprecedented in our current multitasking world, and they offer so much more in return. At midlife, my English teacher’s question makes a great personal inventory. You can see how books influenced your own perspectives on literature, people or life itself.

So: my English teacher’s question, posed 34 years late (I’m going to need one hell of excuse to get full credit) with a challenge to you, to complete it on your own.

• “The World According to Garp:” I was driven to literature by hormones. In 1979, I attended a family reunion that featured two extremely cute distant cousins whose Southern accents would send any 17-year-old male hurtling through puberty. They took one look at me and concluded, kindly, that I was the “brainy one.” I didn’t want to disappoint them.

So on an excursion to a local mall, I purchased the thickest book I could find (without pictures!) and carried it around for the rest of the reunion. On the drive home, I stuck my nose between its pages to avoid conversing with my parents— and John Irving’s tragicomic kaleidoscope of tail gunners, falling children, feminists, wrestlers and one-eared Newfoundland dogs

www.lovinlifeafter50.com

seized my nose and held it hostage across three states. The idea that someone could create characters who would live and grow and die and make me care about them from the back of a Buick Wildcat was absolute wizardry to me. Was every book this good? A found copy of Jacqueline Susann’s “Once is Not Enough” soon told me, loudly, “no!” But “Garp” put me in awe of writers—and had no equal until it was flattened by:

• “The Grapes of Wrath:” “There are absolutely no grapes in this story,” I remember telling my Dad. “If there were, then maybe it wouldn’t have turned out so bad.”

(That is, painfully, how I learned what metaphors were.) I was 18 and a black hole of self-absorption when I first read this, so naturally the trials of an indigent Dust Bowl family could not compare with the trials of a Michigan teenager forced to read 300 pages for a quiz on Monday. My dad, cleverly, made a game out of it: “Just get ‘em to California and you can stop,” he promised me. “They’re already in Oklahoma, so you just have to read ‘em across a few more states.” As my eyeballs pushed the Joads and their “crappy truck” across John Steinbeck’s bleak, Depression-era landscape, my anger began to shift from the family’s wordy troubles to the people who were cruel to them (“Why don’t do they feed them?

Can’t they see they’re starving?”) to the horrid circumstances that befell them (“That Noah was never right!”) to their brutal disillusionment at their destination. “Kind of gives you a better perspective on your own life, eh?” My dad asked. And it did. It took weeks of focused narcissism to get my teenager card back. To this day, I taste dust in my mouth whenever I think of this novel, have a soft spot in my heart for the photographs of Dorothea Lange, and refuse to trust handbills offering jobs in California.

• “Ordinary People:” I had, until this book came along, the mistaken notion that drama belonged exclusively to people who lived in historic times, wore big, period costumes or killed each other in exotic, grisly ways. Judith Guest’s story is overshadowed now, by the Robert Redford film. But the book does an excellent job of putting powerful issues and compelling drama into the houses and hearts of people who could live next door. In the Jarrett family, the tragedy they suffer and the collateral damage that follows, you walk down a familiar suburban street into some very dark psychological places.

And in Conrad Jarrett’s struggle to restart his life, you understand the challenge of jumping back into adolescence from a dead stop.

• “Slaughterhouse-Five:” “How can a crazy person write a book?”

I remember thinking, when I first started this story in college, “How do they keep him typing?”

There is a rant-like quality to Kurt Vonnegut’s funny, free-associative tale of Billy Pilgrim getting unstuck in time. But somewhere between the alien abduction, the awkward family moments, the bombing of Dresden and Billy’s incarceration on Tralfamadore with porn star Montana Wildhack, you find yourself appreciating the very temporary and fragile quality of life itself. I considered myself

a well-read history geek when I came to this book, because I could recite casualty figures from World War II like stats off a baseball card—without a whit of empathy for what those figures meant.

But “Slaughterhouse-Five” gives readers a deeper contemplation of life and loss than any battle saga ever could. And its introduction, where a buddy’s wife laments the disconnect between war stories and war itself, remains one of the truest things I have ever read. So it goes.

• “Love in the Time of Cholera:” Very early on in this book, two married people have an argument about soap. It is not a dramatic or particularly important argument. It doesn’t feature clever exchanges or witty word play. But it is so utterly real and recognizable to anyone who has been married for any length of time that you have to keep reading. That’s the thing about Gabriel Garcia Marquez— you develop an affection for his writing without being able to understand precisely why. You just kind of go with it, and let its value sink in gradually later on.

Kind of like my English teacher’s question. Agree or disagree, but I bet you won’t find my answers half as compelling as your own.

Michael Grady is Valley-based freelance writer, reporter and playwright.

October 2013 : : Lovin’ Life After 50 : : page 7

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page 8 : : Lovin’ Life After 50 : : October 2013

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Ask the Old Bag Advice for the Over-50 Crowd

YOUR ACTIVE ADULT JOINT SPECIALISTS!

: : by Gayle M. Lagman-Creswick

Note: Hello to faithful readers Frank and Lolly of Sun City, my delightful seatmates on my trip from Wisconsin!

D

ear Old Bag: In the August issue, an American Woman’s letter stated, “I would like your help in starting a movement” (this was in regard to each person treating the other with honor and respect). You answered, “Let’s do it. I’m in!” Sooo, I represent “U.S.,” United Society of Humanity. I pass on to you this pin representing your connection...

May this be a help beginning the movement. Signed, S.N.

D

ear S.N. Thank you for the pin... I shall wear it and explain what it is when asked. It makes sense to me that we seniors should begin the movement around the world to treat all we meet with honor and respect. There is a little woman at the park where I walk. I do not know her heritage and she does not appear to speak a word of English. However, we are friends. We shake hands and smile warmly at each other, and she pets my dog. It occurs to me that seniors everywhere speak the language of friendship. We must teach the younger generations around the world to love. We can put an end to war.

It is a huge undertaking, but I believe we are up to it. We are the Seniors For Peace in this World! An assignment for all this month is to smile at those you meet. Thank you S.N. Signed, O.B.

D

ear Old Bag: My friend takes care of a 93-year-old woman.

She’s not a relative, but she was a friend of her mother’s. Out of the goodness of her heart, she has agreed to be this woman’s power of attorney, because she has no living children. When the woman became unable to stay at home alone, my friend moved her into a wonderful assisted living community with staff that really cares for her and about her.

But even two years later, the woman is still unhappy and wishes to go home.

My friend, who is a hospice nurse, explained to her why she can’t go home and that she has people here that will

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care for her. The woman argues that in her last days, she wants to be happy and the only way she will be happy is at her house, where she can’t stay by herself.

So my question to you is where do you draw the line between being happy and being safe? According to her, she can go home and live out the rest of her days happy, but she won’t be safe. Or she can stay in assisted living and die miserable.

Any advice? Signed, Torn

D

ear Torn: You did not reveal the woman’s finances. First of all, if she can afford 24-hour care at home, I say let her go home. If she cannot afford that, then the answer to her is that her finances will not allow her to go home with care. Then you need to enlist the help of a social worker or mental health therapist to work with her in accepting her situation. There are some people who will not be happy, no matter what you do for them. I do not know if she is one of those. Good luck. Signed, O.B.

D

ear Old Bag: Just a note to say I enjoy your answers to letters.

Having been a caregiver to many, I always wonder what you will reply to letters. A few years ago, I packed an elderly couple to move to Grand Junction, Colo. The lady in her 80s was sweet and kind. She had dementia and could not remember. She wanted to stay the night because she was lonely.

Suddenly, I noticed her high school annual, and I asked her if she wanted it packed. The look on her face was blank. Then she opened the book and sat down and was in the past. She sat for two hours remembering old friends and good times. It was such a blessing for both of us. Signed, S.A. Parachute, Colo.

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D

ear S.A. Good to hear from Parachute! Thank you for your kindness. Signed, O.B.

If you have a question for The Old Bag, please send it to: Ask the Old Bag c/o Lovin’ Life After 50, 3200 N. Hayden Road, Suite 210, Scottsdale, AZ 85251 or lagmancreswick@cox.net.

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October 2013 : : Lovin’ Life After 50 : : page 9

The Widow’s Corner Fathers

: : by Terry Ratner, RN, MFA Ozzie Oswald Nelson, at age 13, was the youngest person to become an Eagle Scout. Oswald went on to become Ozzie Nelson, the father in “Ozzie and Harriet.” Though the show aired years before the advent of reality

television, Harriet was indeed Ozzie’s real wife; Ricky and David were his real sons, and, eventually, Ricky and David’s wives were played by their actual spouses. I remember watching the show and wondering if any father interacted with their family like Ozzie

did. Perhaps being an Eagle Scout helped prepared him for fatherhood.

The current requirements for Eagle Scout make it impossible for anyone to ever beat Ozzie’s record.

My father was never a scout of any kind. He grew up in foster homes. Most of his foster parents took him in because of money they received from the state. Only one foster parent professed to loving him, but by that time he was in his teens and the damage was irreparable.

He never knew what it was like to have a father.

Father Knows Best In 1954 Robert Young starred in the television series “Father Knows Best.” Young played Jim Anderson, an average father in an average family. I always wanted to be “Kitten” the part that Lauren Chapin played. I wanted to be called Kitten and I wanted a father like Jim Anderson. My family had no similarities to the television family of “Father Knows Best.”

I don’t remember bonding with my father, although we did go to the beach a few times. We played together in the waters of Lake Michigan, me sitting on his broad shoulders while he waded in deeper. I also remember going to Riverview Park with him during my younger years. He enjoyed riding the rollercoasters as much as I did and he would scream as we headed downhill.

Those screams didn’t scare me. It was the screams that were to come later in life when he would be chasing me as if he was the hunter and I was the hunted.

Carp After the female Japanese carp gives birth to hundreds of tiny babies, the father carp remains nearby. When he senses approaching danger he will suck the helpless babies into his mouth, and hold them safely there until the coast is clear. My father was not like this.

He was strict—an attorney and a colonel in the Air Force reserves.

He would yell as the chase began.

His face would become as red as a beet and I watched his neck pulsating and his Adam’s apple enlarge. I always

page 10 : : Lovin’ Life After 50 : : October 2013

knew what was to come, but I put up a good fight. There was no such thing as “child abuse” back then.

Hugh Beaumont The actor who portrayed the benevolent father on the popular TV show “Leave it to Beaver” was a Methodist minister. Tony Dow, who played older brother Wally, reports that Beaumont hated kids. I don’t believe my father hated children, however, I think he disliked women because of his early childhood relationship with his mother.

Side Note Hugh Brannum, not to be mistaken with Hugh Beaumont, played Mr. Green Jeans on “Captain Kangaroo” and I remember him as kind, funny, and extremely reliable.

Emperor Penguins Once a male emperor penguin has completed the act of mating, he remains by the female’s side for the next month to determine if he is indeed about to become a father. When he sees a single greenish white egg emerge from his mate’s egg pouch, he begins to sing.

Scientists have characterized his song as “ecstatic.”

Who would you rather have as your father: Hugh Beaumont, Hugh Brannum, or an emperor penguin?

Terry J. Ratner, RN, MFA is a health educator at Banner Good Samaritan Medical Center. Visit her website at www.terryratner. com. Send comments to info@terryratner.com.

www.lovinlifeafter50.com

Bear Market Report How Does Interest Rate Teeter-Totter Affect Retirees? : : by Teresa Bear

My bank is still paying Question: me next to nothing for my CDs.

Should I invest in bonds to generate income?

A

nswer: Wouldn’t we love to live in a perfect investment world? That world would have the following: • High Returns and • High Liquidity and • Low Risk Regrettably, in this imperfect world, you can’t have all three.

Many retirees who want to reduce the risk in their portfolios are seeking investments that still provide a nice return for their money. Here’s the rub: If you want to increase your returns you basically have two choices: • Increase Risk • Decrease Liquidity (buy longer-term investments) Traditionally many investment firms have turned to bonds. However, bonds are not risk-free investments. One of the risks is that of interest rate risk.

This risk to the bond price occurs if you do not hold your bonds to maturity.

To illustrate this, let’s return to the playgrounds of our youth.

When we were children, we would play on teeter-totters with our friends.

When we clambered aboard, the teeter-totter was parallel to the ground.

Similarly, at issue, the price and interest rate are at equilibrium. In the picture below, the price of the bond is on one end and the interest rate is on the other end. In this example, the issuer will receive $1,000 for the bond in exchange for a 4 percent interest rate.

On the date that the bond matures, they will pay $1,000 to the bondholder (assuming they don’t default on the bond in the interim).

Between the issue date and maturity date, the teeter-totter will go up and

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down according to interest rates.

There’s an inverse relationship between bonds and interest rates. The next diagram shows what might happen to this bond if interest rates fall.

predict the rise and fall of the stock market. However, if the government suspends its quantitative easing policy that has kept interest rates low, that fall off the teeter-totter that bond investors experienced this summer may feel like a walk in the park!

Teresa Bear, CFP, CPA (www.TeresaBear. com), specializes in retirement planning and

asset preservation for retirees and those about to retire. Bear is the author of the new book “She Retired Happily Ever After.” Send questions to TBear@JCGrason.com.

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In the past few years we have witnessed this effect and it is the reason why many investors have made money in the bond market.

The problem that I see is what happens in a rising interest rate environment. The next illustration shows what might happen if interest rates rise.

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I don’t know about my readers, but when I was a kid, sometimes I would play on the teeter-totter with a notso-nice friend. When I was at the top and she was at the bottom, my friend decided to play a trick on me and jump off the teeter-totter. All of a sudden, I came crashing to the ground. Ouch!

This summer bond investors experienced some of the same pain.

On May 1, 2013, the interest rate on the 10-year Treasury was 1.65 percent Four months later on Aug. 22 it was 2.90 percent.

This seems like a small increase. After all, it is only 1.25 percent. However, the percentage increase was a whopping 75 percent! As a result, many bond investors have been thrown off their teeter-totters and are experiencing a pain in their portfolios.

I do not have a crystal ball and cannot predict the rise and fall of interest rates any more than I can

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ive Life To Its Fullest!

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Pasta Luncheon, 12 p.m., Fountain of the Sun, 540 S. 80th St., Mesa, $6 in advance, (480) 380-4000.

The Heart of a Woman Support Group, 10 a.m. to 11 a.m., Scottsdale Healthcare Shea Medical Center, 9300 E. Shea Blvd., Scottsdale, free but registration required, (480) 882-4636, www.shc.org/events.

“Savvy Social Security Planning,” 6:30 p.m., Hampton Inn, 1231 S. Spectrum Blvd., Chandler, free but reservations required, (480) 371-3191, www.teresabear. com/attend. Did you know there are more than 700 possible filing combinations for a married couple? Come find out how we help our clients receive more in Social Security benefits than expected and avoid a potentially costly mistake.

Movie Day with “Lost” Series, 2 p.m. to 4 p.m.

Tuesdays in October, Humana Guidance Center, 5943 E. McKellips Rd., Suite 106, Mesa, free, (480) 325-4707.

• Chef Prepared Meals • Housekeeping • Activities/Transporation • All Utilities (except phone) • Roomy Floor Plans • Spacious Grounds

Brain Games, 9:30 a.m. Tuesdays, Shadow Mountain Senior Center, 3546 E. Sweetwater Ave., Phoenix, free for paid members, $10 Phoenix residents, $20 nonresidents, (602) 534-2303. Come have fun, socialize and join in on brain exercises.

Caring for the Caregiver: Life Happened...Now What?, 1 p.m., Dobson Ranch Library, 2425 S. Dobson Rd., Mesa, free, www.mesalibrary.org. Featured speaker is Joan Marlo. Topics under discussion: different ways to adjust to changes, tools and techniques to manage stress, and bringing balance back in your life.

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October 2 Wednesday Recent Developments in Alzheimer’s/Dementia, 7 p.m. to 8 p.m., Barnes and Noble Booksellers, 10500 N. 90th St., Scottsdale, free but registration required, (480) 882-4636, www.shc.org/events.

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page 12 : : Lovin’ Life After 50 : : October 2013

October 3 Thursday “Seniors Mean Business,” 3 p.m. to 5 p.m., Vi at Silverstone, 23005 N. 74th St., Scottsdale, free with advance registration at www.scottsdalechamber.com, (480) 355-2708, amineer@scottsdalechamber.com.

“Seniors Mean Business” is a new signature event from the Scottsdale Area Chamber of Commerce designed to inform, engage and energize the growing senior population.

National Bank of Arizona (NB|AZ)’s Taste of the Biltmore, 6 p.m. to 9 p.m., Biltmore Corporate Center, 6001 N. 24th St. in Phoenix, $35, www. nbaztaste.com. This highly anticipated kick-off to the fall social season will bring the best of the Biltmore community together to enjoy unlimited food and wine tastes from more than 20 local restaurants.

Group Exercise, 10:30 a.m. Thursdays, Shadow Mountain Senior Center, 3546 E. Sweetwater Ave., Phoenix, free for paid members, $10 Phoenix residents, $20 nonresidents, (602) 534-2303. Low-impact bone builders led by a volunteer.

Sunland Village Bingo, 7 p.m. Thursdays in October, Sunland Village Auditorium, 4601 E. Dolphin Ave., charge for cards, (480) 832-9003. Features $900 progressive pot.

October 4 Friday The Engineers Club of the West Valley, 11:30 a.m., Briarwood Country Club, 20800 N. 135th Ave., Sun City West, $18 and reservations required, (623) 5440942, www.engineersaz.com. Following the luncheon, Dr. Candace K. Chan will discuss “Energizing Silicon Materials for High Energy Density Batteries.”

Canasta, 2 p.m. to 4 p.m., repeats Oct. 9, Oct. 23 and Oct. 30, and 1 p.m. to 4 p.m. Fridays in October, Humana Guidance Center, 5943 E. McKellips Rd., Suite 106, Mesa, free, (480) 325-4707.

Greek Festival of Chandler, 5 to 10 p.m., repeats 11 a.m. to 10 p.m. Oct. 5, and 11 a.m. to 7 p.m. Oct. 6, St. Katherine Greek Orthodox Church, 2716 N. Dobson Rd., Chandler, $3, free for children 12 and younger, www. atasteofgreeceaz.com. Proceeds will benefit the church and related philanthropic activities and community charities.

Offered are traditional Greek foods, Greek imports, live Greek music, costumed folk dancing and a Kids’ Fun Zone.

Beginning and Intermediate Bridge Lessons, 10 a.m. Wednesdays, Shadow Mountain Senior Center, 3546 E. Sweetwater Ave., Phoenix, free for paid members, $10 for Phoenix residents, $20 for nonresidents, (602) 5342303. Come learn the game of bridge and/or sharpen existing bridge skills and strategy. Led by a volunteer.

Peripheral Vascular Disease Screening and Lecture, 4 p.m. to 6 p.m. (screening), 6:15 p.m. to 7 p.m. (lecture), Scottsdale Healthcare Osborn Medical Center campus, Military Partnership Building, 7301 E. 4th St., Suite 4, Scottsdale, free but registration required, (480) 882-4636, www.loweryourheartrisk.org. ...continues on page 14

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... from page 12 Game Day with Wii Games, Euchre, Dominoes, Caps for the Cure, 1 p.m. to 3 p.m., repeats Oct. 21, Rummy Cube, 9 a.m. to 11 a.m. Fridays in October, Humana Guidance Center, 5943 E. McKellips Rd., Suite Humana Guidance Center, 5943 E. McKellips Rd., Suite 106, Mesa, free, (480) 325-4707.

106, Mesa, free, (480) 325-4707.

“Age of Champions” screening, hosted by SCAN Chair Exercise, 11 a.m. Fridays, Shadow Mountain Health Plan Arizona, 2:30 p.m. to 5 p.m., Pollack Senior Center, 3546 E. Sweetwater Ave., Phoenix, free for Tempe Cinemas, 1825 E. Elliot Rd., Tempe, free but paid members, $10 Phoenix residents, $20 nonresidents, reservations required, 1-855-901-7226 option 4. “Age (602) 534-2303. of Champions” is the inspiring story of five competitors who sprint, leap and swim for gold at the National Senior Caring Community Lifestyles Seminar, 1:30 p.m., Olympics. Producer Keith Ochwat will introduce the film Fountain of the Sun, 540 S. 80th St., Mesa, free, (480) and will be available to answer questions when it is over.

380-4000. Free information on a variety of senior topics.

Variety Dance Class, 12:30 p.m., Shadow Mountain October 5 Saturday Senior Center, 3546 E. Sweetwater Ave., Phoenix, free for paid members, $10 Phoenix residents, $20 nonresidents, “World Voices,” 7:30 p.m., First United Methodist (602) 534-2303.

Church, 15 E. First Ave., Mesa, $18, $15 for seniors, children, students and groups of 10 or more, (480) 305October 8 Tuesday 4538, www.SonoranDesertChorale.org. From America’s “Sourwood Mountain” to Ireland’s “Danny Boy” to the Bingo, 6:45 p.m. Tuesdays thru April, Fountain of the Russian folk song tongue twister, “Véñiki,” the music Sun, 540 S. 80th St., Mesa, call for charge, (480) 380travels without borders. It soars high in “Song to the 4000.

Moon” and dances with driving energy in “Jai Ho!” The program is packed with great variety of style and lyrics.

Duet’s Caregivers Support Group, 10 a.m. to 11 a.m., Scottsdale Senior Center, 10440 Via Linda, Women’s Wellness Program—Cholesterol, Scottsdale, free but reservations required, (602) 274Bone Density and Body Composition Screening, 5022. This monthly support group is for individuals who Certificate for Manicure at Scottsdale are caring for an aging parent, friend, partner or relative.

Healthcare’s Essential Touch Wellness Center, 7 a.m. to 10:45 a.m., Scottsdale Healthcare Shea Medical Heart Health Evaluations, 8 a.m. to 11:45 a.m., Center, 9003 E. Shea Blvd., Scottsdale, $75, registration Scottsdale Healthcare Shea Medical Center, 9003 E. Shea required, (480) 882-4636, www.shc.org/events.

Blvd., Scottsdale, $20, registration required, (480) 8824636, www.shc.org/events.

The Center for Humane Living’s Celebrity Golf Classic, 12:30 p.m. to 5:30 p.m., Camelback Golf Club, Critical Legal and Estate Planning Issues in 7847 N. Mockingbird Lane, Scottsdale, $175-$700, (602) Arizona, 1 p.m., Dobson Ranch Library, 2425 S. Dobson 740-3108, www.centerforhumaneliving.org. The CHL Golf Rd., Mesa, free, www.mesalibrary.org. Featured speaker Classic is an l8-hole scramble with the opportunity to win is attorney Jason M. Ray. Information will be provided $250,000 at four holes. Registration includes lunch and on: types of estate plans, unique Arizona estate planning dinner, silent auction, goodie bag, and much more. Even techniques, how to avoid incompetence in a courtroom, nongolfers are encouraged to attend. leaving a legacy behind, and retaining control of your estate after death.

October 6 Sunday October 9 Wednesday “World Voices,” 3 p.m., Valley Presbyterian Church, 6947 E. McDonald Dr., Paradise Valley, $18, $15 for Chair Yoga, 1 p.m. to 3 p.m., Scottsdale Public Library, seniors, children, students and groups of 10 or more, Appaloosa Branch, 7377 E. Silverstone Dr., Scottsdale, (480) 305-4538, www.SonoranDesertChorale.org. From free but registration required, (480) 882-4636, www.shc.

America’s “Sourwood Mountain” to Ireland’s “Danny Boy” org/events. to the Russian folk song tongue twister, “Véñiki,” the music travels without borders. It soars high in “Song to the Bone Density Screening, 10 a.m. to 1 p.m., Moon” and dances with driving energy in “Jai Ho!” The Scottsdale Healthcare Shea Medical Center, 9003 E. Shea program is packed with great variety of style and lyrics.

Blvd., Scottsdale, $20, registration required, (480) 882October 7 Monday Parkinson’s Disease Treatment Discussion, 10 a.m. and 2 p.m., Mondays in October, Helen Foundation, 105 S. Delaware Dr., Suite 8, Apache Junction, free and reservations required, (480) 389-5431, ernestogallegos01@gmail.com.

4636, www.shc.org/events.

East Valley Michigan Club, 2 p.m., repeats 9 a.m.

Wed., Oct. 23, Golden Corral, 1868 N. Power Rd., Mesa, charge for meals, (480) 610-9864, jilanctot@cox.net.

The group discusses all things Michigan. ...continues on page 16

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... from page 14 Advice for Breast Cancer Survivors, 6 p.m. to 7:30 East Valley Pennsylvania Group, 10 a.m. (second p.m., Banner Gateway Medical Center’s Grand Canyon Saturday of the month), Old Country Buffet, 1855 Conference Rooms, 1900 N. Higley Rd., Gilbert, free but S. Stapley Dr., Mesa, charge for meals, (480) 832registration required, (602) 230-CARE. Banner Gateway 5755. The dues-free social group meets about all things Medical Center will offer a free seminar providing the Pennsylvania. newest clinical research and symptom management for breast cancer survivors. A breast oncologist will also explain Sunland Village French Toast Breakfast, 7 a.m. to the special needs of a breast cancer survivor, provide tools 9:30 a.m., Sunland Village Auditorium, 4601 E. Dolphin to manage the side effects of treatment, and discuss Ave., Mesa, $3.50 at the door, (480) 832-9003. reducing the risk for recurrence.

October 13 Sunday October 10 Thursday Caravan of Thieves, 7 p.m., Musical Instrument Joint Replacement 2013: What’s New and What to Know, 1 p.m. to 2 p.m., Scottsdale Public Civic Center Library, 3839 N. Drinkwater Blvd., Scottsdale, free but registration required, (480) 882-4636, www.shc.org/events.

Cholesterol Check, Glucose Screening, Bone Density and Body Composition Screening, 8 a.m. to 11:45 a.m., Scottsdale Healthcare Shea Medical Center, 9003 E. Shea Blvd., Scottsdale, $40, registration required, (480) 882-4636, www.shc.org/events.

Town Hall Meeting: Senior Wellness and Insurance, 11 a.m. to 12:30 p.m., Humana Guidance Center, 5943 E. McKellips Rd., Suite 106, Mesa, (480) 325-4707. Join the group for a live broadcast from Louisville, Ky., discussing senior wellness and insurance.

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October 11 Friday Square Dancing with Bucks and Bows, 7 p.m. to 9 p.m., repeats Oct. 25, Eldorado Community Center, 2311 N. Miller Rd., $5 members $6 nonmembers, (480) 9499406, www.azsquaredance.com.

Museum, 4725 E. Mayo Blvd., Phoenix, $22.50 to $27.50, (480) 478-6000, www.MIM.org. Driving gypsyjazz rhythms, acoustic guitars, upright bass and violin lay the foundation for mesmerizing vocal harmonies and fantastic stories. It’s theatrical and humorous.

October 14 Monday

Sun Lakes Democratic Club, 7 p.m., Sun Lakes Country Club’s Navajo Room, 25601 N. Sun Lakes Blvd., Sun Lakes, free but food donation requested, (480) 895-1378, (480) 895-1162. Speaker is Jonathan Alanis, the outreach/ development coordinator of the Arizona Advocacy Network.

October 15 Tuesday Foremothers of Rock: A Tribute to Sister Rosetta Tharpe and Memphis Minnie with Maria Muldaur, Marcia Ball, Tracy Nelson and Del Rey, 7 p.m., repeats 7 p.m. Oct. 16, Musical Instrument Museum, 4725 E. Mayo Blvd., Phoenix, $42.50 to $47.50, (480) 478-6000, www.MIM.org.

October 16 Wednesday

Greater Phoenix Greek Festival, 5 p.m. to 10 p.m., repeats 11 a.m. to 10 p.m. Oct. 12, and 11 a.m. to 8 p.m.

Oct. 13, Holy Trinity Greek Orthodox Community Center, 1973 E. Maryland Ave., Phoenix, $3, free for children younger than 12, $2 for seniors from 11 a.m. to 3 p.m.

Saturdays, (602) 264-2791, www.phoenixgreekfestival. org. The longest-running, largest ethnic festival in the Valley endures with Greek food, music, dancing, jewelry, art, grocery items and activities for children.

Sonoran Arts League’s Fine Art Exhibition and Sale, 5 p.m. to 10 p.m., repeats Oct. 17, Stagecoach Village, 7100 E. Cave Creek Rd., Cave Creek, free admission, (480) 5756624, www.sonoranartsleague.org. More than 40 fine artists, members of the Sonoran Arts League, will be participating in the annual “Taste of Cave Creek” event. The league artists will be demonstrating and exhibiting their talents with a variety of artistic projects, including glasswork, sculpture, jewelry, painting, photography, gourds and mixed media.

Arizona State Fair, thru Nov. 3, Arizona State Fairgrounds, 1826 W. McDowell Rd., Phoenix, $5 for kids 5 to 13 and seniors, $10 for adults, free for kids 5 and younger, (602) 252-6771, www.azstatefair.com. Hop on some rides, taste deep-fried everything and see some of the biggest musical acts come through town at the Arizona State Fair.

National Active and Retired Federal Employee Association (NARFE) Chapter 1395, 11 a.m., Brothers Family Restaurant, 8466 W. Peoria Ave., Peoria, charge for meals, (623) 935-4681, deb.at.NARFE@gmail. com. All current and retired federal employees and spouses are invited.

October 12 Saturday Olivepalooza, 11 a.m. to 4 p.m., repeats Oct. 13, Queen Creek Olive Mill, 25062 S. Meridian Rd., Queen Creek, free admission, charge for food, www. queencreekolivemill.com. The mill is partnering with Phoenix-area food trucks for a fun day of festivities celebrating the opening weekend of its Harvest Festival.

Weight Loss Tools for Breast Cancer Survivors, 3 p.m., continues for six weeks, Banner MD Anderson Cancer Center, 2946 E. Banner Gateway Dr., Gilbert, free but registration required, (480) 256-4141. Weight gain after treatment for breast cancer is very common. A registered dietitian and an exercise physiologist will provide weight management or weight loss strategies and lifestyle recommendations to lower one’s risk of breast cancer reoccurrence. ...continues on page 18

October 2013 : : Lovin’ Life After 50 : : page 17

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These special events are designed for retirees or near-retirees with at least $200,000 in savings and investable accounts.

page 18 : : Lovin’ Life After 50 : : October 2013

... from page 16 October 17 Thursday

“What Non-Muslims Need to Know About Islam and Why,” 10 a.m. to 12 p.m. Oct. 17 and Oct. 31, Sun City Grand, Chaparral Center, 19753 N. Remington Dr., Surprise, $12, (480) 200-9126, ideologyofislam@ cox.net. In this two-part course, taught by Dr. Carl Goldberg and based on Islamic sources, participants will learn about the Islamic doctrines which explain the unending conflict over Israel and the violence occurring in so many Muslim countries and elsewhere.

Banner Good Samaritan’s Cancer Program, 6 p.m. to 7:30 p.m., Banner Good Samaritan Medical Center’s Sandstone North Conference Room, 1111 E. McDowell Rd., Phoenix, free but reservations required, (602) 839-4970, (602) 527-3776. Dr. Klaus Wagner, a medical oncologist at Banner MD Anderson Cancer Center treating thoracic and head and neck malignancies, will discuss designer drugs for lung cancer.

October 18 Friday Birthday Bash/Ice Cream Social, 1 p.m. to 2 p.m., Humana Guidance Center, 5943 E. McKellips Rd., Suite 106, Mesa, free, (480) 325-4707.

Sunland Village Dance, 7 p.m. to 10 p.m., Sunland Village Auditorium, 4601 E. Dolphin Ave., Mesa, $7 in advance, (480) 832-9003. Dance features performance

by Reign N Country; popcorn and soda available for purchase.

October 19 Saturday Alzheimer’s CARE Training, 8 a.m. to 11 a.m., Home Instead Senior Care office, 10450 E. Riggs Rd., Suite 117, Sun Lakes, free, at (480) 827-4343.

Developed by Home Instead Senior Care, the Alzheimer’s or Other Dementias CARE program incorporates an innovative, hands-on approach to help families deal with the difficult behavioral changes that often are associated with Alzheimer’s disease or other dementias.

“Savvy Social Security Planning,” 2:30 p.m., repeats 6:30 p.m. Oct. 24, and 6:30 p.m. Oct. 29, Residence Inn Marriott, 2013 E. Banner Gateway Dr., Gilbert, free but reservations required, (480) 371-3191, www.teresabear.com/attend. Did you know there are more than 700 possible filing combinations for a married couple? Come find out how you can receive more in Social Security benefits than expected and avoid a potentially costly mistake.

“Carrabba’s Dinner and Show and Rockin’ Memories,” 5:30 p.m., Desert Springs Church, 16215 N. Tatum Blvd., Phoenix, $20, (602) 7889556. Carrabba’s Italian Grill and Rockin’ Memories Entertainment sponsor the event, emceed by Danny Davis.

Rockin’ Memories will donate a rockin’ one-hour musical show, and 2013 Ms. Senior Arizona Lee Lotze will make a special guest appearance.

Sunland Village Karaoke Night, 6 p.m. to 9 p.m., Sunland Village Auditorium, 4601 E. Dolphin Ave., Mesa, $2 at the door, includes soda or popcorn ticket, (480) 832-9003.

a special guest appearance. Six-year-old child sensation Jonathan Robinson, who has performed on national television, is scheduled to conduct “The Star-Spangled Banner.”

Ask the Old Bag

Advice for the Jerry Lewis at Arizona State Fair, 5 p.m., Arizona State Fairgrounds’ Coliseum, 1826 W. McDowell Rd., Antique Appraisals, 12 p.m. to 4 p.m., Tower Point Phoenix, free with admission of $5 for kids 5 to 13 and Over-50 Crowd RV Resort, 4860 E. Main St., Mesa, $10 per item, three seniors, $10 for adults, free for kids 5 and younger, or $15 October 20 Sunday

for $25, (602) 692-7492. The Optimist Club of Gayle Mesa is : : by hosting an antique appraisal fair where participants can discover ear the valueOld of theirBag: treasures.

I am a 68-yearold retired widow. I had one son October MondayHe had who recently died21suddenly. no children.

I have closeofrelatives.

ASU Concerts at the Center:noA Night Choral IMusic feelwith likethemy life is over. wake up ASU Choirs, 7:30 p.m.,I Scottsdale in the morning I say, “Is St., this all Center for the Performingand Arts, 7380 E. Second there is?”

I used to think my husband Scottsdale, $10, (480) 499-8587. and I would retire and have 20 good years together. planned well, OctoberWe 22had Tuesday and I am financially secure...but for Beading and Jewelry Making, a.m.,plans...I repeats what? For this? The best10:30 laid Oct. 22, Shadow Mountain Senior Center, 3546 E. suppose you are going to tell me to get Sweetwater Ave., Phoenix, paid members, $10 off my bottom andfreedoforsomething.

Well, Phoenix residents, $20 nonresidents, (602)something.

534-2303. go ahead, tell me. I need Signed, It’s Over October 23 Wednesday

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East Valley a.m., Golden earMichigan Over:Club,I 9was goingCorral, to 1868 tell N. Poweryou Rd., Mesa, chargeoff for meals, (480) 610-9864, to get the pity potty, but jilanctot@cox.net. group discusses thingsgoing Michigan.to on second The thought, I allam suggest you get into a grief support group.October Your son24died recently, and Thursday you need support for that.

Grief Movie Day with “White House Down,” 2 p.m.istoa strange thing.

You cannot avoid it. You 4 p.m., Humana Guidance Center, 5943 E. McKellips Rd., cannot skip it.

It is so much better if Suite 106, Mesa, free, (480) 325-4707. you wade through it with others who are traveling the same After that, October 25 path.

Friday I am going to suggest you move into a Sunland Village Dance and Halloween Costume second-stage retirement community.

Party, 7 p.m. to 10 p.m., Sunland Village Auditorium, You are a perfect candidate. You will 4601 E. Dolphin Ave.,from Mesa, $7 advance, (480) 832benefit highly thein companionship, 9003.

Dance features performanceprograms, by 3-Speed Band. friendships, activities, fitness Popcorn and socials. soda available for purchase. venues, After you live there for three months, please write me again.

Octoberwho 26 had Saturday Most residents, been in your position, used to tell that8 a.m. theyto 3felt Pebblecreek’s Creative Arts me Festival, like they had family again!

Best p.m., (rain date Oct. 27), Pebblecreek Creative Artswishes Center, to you.

Your life is not over, the935-6744. best is 16280 W. Clubhouse Dr., Goodyear, free, (623) yet to P.S. Be sure to shop around More thanbe!

70 award-winning artists and vendors will for the right community.

They each display their original artwork and handcrafted items. have their own personality. You will know right you.—O.B. Ywhen OPAS one Book feels Sale, 7:30 a.m.,for Ahwatukee Foothills Family YMCA, 1030 E. Liberty Ln., Phoenix, free admission, (602) Old Bag: wasprogram barely 212-6076.ear The event is a benefi t for theIY OPAS for making it before everything Ahwatukee seniors, assisting seniors in independent living. started going up, except my income... now here I am. I27 amSunday not even 70, a October widower, and I do not have enough The Scottsdale featuring Walter like money to Philharmonic live the way I would Cosand, 4 p.m., Scottsdale Center for the Performing to...with eating out, golfing and going Arts, 7380 E. Secondetc.

St., Scottsdale, to concerts, I havefree,a www. nice threescottsdalephilharmonic.com.

Enjoy anisafternoon of Suppé, bedroom home which paid for and a Bizet and Beethoven classical masterpieces.

Special decent car which is also paid for.guest What Walter Cosand, a world-renowned pianistSigned, and professor Out of should a guy like me do? music at Arizona State University, joins the orchestra for of Money

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earwith Money: You have many An Evening Michael Nesmith, 7 p.m., Musical options as I see it: Investigate Instrument Museum, 4725 E. Mayo Blvd., Phoenix, a reverse mortgage program, which $42.50 to $62.50, (480) 478-6000, www.MIM.org. would give you more income now Singer-songwriter Michael Nesmith kicks off his solowhile U.S. you could fall tourneed startingit.withYou a concert at therent MIM out Music one Theater.or two of your bedrooms to other seniors.

(If you October do this, be28 sure to screen your Monday renters carefully). Or you could sell The Sunhome Cities Saddle Club meeting, 9:30 your and move to a retirement a.m., Wooddale Village Retirement Community, community. Another option would be 18616 Ave., Sun City, free,Many (623) 584-5696, to getN. a99th part-time job. people are suncitiessaddleclub@gmail.com.

The andeven now working into their trail 70sriding and social club for seniors features trail rides every Thursday 80s! Good luck. Let me know how atit stables around the Valley. Horse ownership is not required. goes!—O.B. Membership is open to all residents of Sun City, Sun City West, Sunear City Grand Corte Bella.

OldandBag: Here come the holidays again, and I must face Memory Care Community’s Support my daughters-in-law again,Group, who3 p.m. are toalways 4 p.m., The Summit at Sunland Springs Memory telling me they would love Care to do Center, 2415 S. Signal and Butte Rd., Mesa, free, (480) 359Thanksgiving Christmas dinners.

3358.

Elaine Poker-Yount from Visiting Angels will speak I am 75 and they are in their 40s, so I about elderhave care resources can help families am community sure they morethatenergy than who may be struggling withI fihave nding thebeen right kindcooking of help.

I do.

However, holiday dinners since I was 16 years October 29 Tuesday old and my mother died. I do not want to Cooking let go of it. Personally, I have Nutritious at Tempe Public Library with eaten food, and5:30 it is not as Public good the Chefstheir of Whole Foods, p.m., Tempe as mine. wardfree, off(480) these wellLibrary, 3500How S. Ruraldo Rd.,ITempe, 350-5500. meaning youngsters? Signed, Not Done Yet October 30 Wednesday

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ARE YOU ARIZONA’S NEXT MILLIONAIRE? With more than 2,000 prizes, including $1 million cash, the Health & Wealth Raffle returns this fall The Health & Wealth Raffle, benefiting Barrow and St. Joseph’s, is back with great odds to win more than 2,000 amazing prizes. You could win $1 million cash, a 2013 Lexus GS 350 F Sport, a dream vacation valued at $10,000 and unique experiences you won’t find anywhere else.

“The Raffle is a unique fundraiser that lets everyone have a little bit of fun, while helping raise much-needed funds for Barrow and St. Joseph’s,” said Terri Hoffman, Health & Wealth Raffle director.

“From hiking Machu Picchu to winning a 2013 Harley-Davidson, we really have a prize for everyone.”

The Health & Wealth Raffle is more than just prizes. Since its founding, the Raffle has contributed more than $50 million to Barrow and St. Joseph’s. Dollars raised by the Raffle support research into new lifesaving medical care, education for young doctors and nurses, and health care services, both in the hospital and throughout our community.

Barrow performs more brain surgeries and trains more neurosurgery residents than any other hospital in the country.

Its physicians and scientists collaborate on research aimed at improving patient care and developing cures for some of humankind’s most devastating diseases.

“With 50 years of accomplishment behind us, Barrow Neurological Institute is poised for even greater achievements in the future,” said Dr. Robert Spetzler, director of Barrow Neurological Institute.

“Technological advancements and our expanding knowledge of genetics will enable us to make even greater strides in research, medical education and patient care.”

“The Raffle’s tagline – Great Odds. Great Cause. – taps into the heart of the Raffle because it’s your chance to change not only your life, but also the life of a patient,” said Terri.

This fall, the Raffle has a number of unique experiences included in its prize mix. Here are a few of these unique prizes: • Desert Botanical Garden Exclusive Membership – includes admission to Las Noches de las Luminarias, Chihuly Exhibit and annual passes for two • Travel to an Arizona Cardinals’ away game – includes airfare, hotel and game tickets for two • Join the stars at Celebrity Fight Night – includes a walk on the red carpet and limo service for two • Join world-renowned brain surgeon Dr. Robert Spetzler during live surgery at Barrow Neurological Institute THE THREE GRAND PRIZES ARE: • First place: $1,000,000 cash • Second place: $200,000 cash • Third place: 2013 Lexus GS 350 F Sport, plus cash Participants who enter by midnight, Thursday, October 17, are also entered to win additional prizes, including the following: • 2013 Harley-Davidson Softail Slim motorcycle – includes private riding lesson plus cash • $25,000 Cash • St. Thomas, Virgin Islands, tropical vacation – includes five nights in a four-star hotel plus airfare for two

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Understanding Deaf Culture

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t is estimated that there are more than 55 million people in the United States who are experiencing some degree of hearing loss. In Arizona, there are more than 700,000 people who are deaf or hard of hearing and more than 20,000 who are culturally deaf.

But being deaf means a lot more than not being able to hear. It is about being a part of another culture, one that many hearing individuals don’t recognize. People who are deaf have their own language—American Sign Language or ASL— and are a part of a community that at times has different social norms.

People should understand that deaf individuals are equally as capable, able and intelligent as hearing individuals.

And while there may be a difference in the way those that are deaf communicate, it is not a handicap or disability.

There are many myths about the deaf culture that are important to understand.

Myth: You need to talk louder and use more gestures when trying to communicate with a deaf individual.

Fact: While talking louder may work for some hard-of-hearing individuals, those with complete hearing loss will not be able to tell if you raise the volume of your voice. Overexaggerated gestures are not needed and can make it more difficult to understand your body language.

Myth: All deaf people can read lips.

Fact: Although some deaf individuals are skilled lip-readers only 30 percent of spoken English is visible through lip reading.

Myth: People who are deaf cannot speak.

Fact: Most people with hearing loss are able to speak. Some individuals speak very well and choose to do so in conversation with hearing individuals, while others simply

page 22 : : Lovin’ Life After 50 : : October 2013

choose not to speak if they believe they may be hard to understand.

Myth: Deaf individuals are not as smart as hearing individuals.

Fact: There is no correlation between the ability to hear and intelligence.

This is a highly offensive assumption of the deaf community.

The 2013 Arizona Deaf Festival, in partnership with the Arizona Commission for the Deaf and the Hard of Hearing (ACDHH) and Arizona Relay Service, will take place from 9 a.m. to 5 p.m. Saturday, Nov. 2, at Virginia G. Piper Sports and Fitness Center, 5031 E. Washington St.. The event is free.

The Arizona Deaf Festival is about raising awareness about deaf people and their culture and promoting the positive aspects of being deaf. As we (the deaf community) continue to face a variety of issues of barriers and oppression, we need to continue in being proactive with our actions, show pride in our identity as a deaf individual, and constantly embrace and cherish the uniqueness of deaf culture.

Join ACDHH and Arizona Relay Service in celebrating deaf awareness in recognizing the past, present and future contributions and achievements that have paved the way to where we are today.

For more information on the events taking place during the 2013 Arizona Deaf Festival, visit www.azdeafestival. org.

Beca Bailey is a deaf specialist with The Arizona Commission for the Deaf and the Hard of Hearing. For more than 15 years, since July 2004, Bailey has worked with the deaf community in many different roles. Information and referral, community development and outreach education are among the services she helps provide. By informing deaf and hard of hearing individuals about their rights and the laws and programs available to support those rights, they, too, can become empowered as self-advocates.

October 2013 : : Lovin’ Life After 50 : : page 23

L

The Affordable Care Act: How it Will Impact Seniors

By Alison Stanton

ike many seniors in Arizona, Joyce Walther has some concerns about the new Affordable Care Act (ACA), also known as Obamacare. Although the 62-year-old Tempe resident is getting benefits through her work, she says she is worried that her employer may decide to drop coverage as it may not meet the requirement, or it may too expensive for the new program.

“Being a cancer survivor, I am very concerned that if I am forced to the exchanges, my coverage will be limited and very expensive,” Walther says, adding that she is also concerned that she may not be able to keep seeing her oncologist. “I had a high rate of reoccurring cancer and so this is or could be life or death for me...It all sounds very confusing and chaotic to me at this point. I definitely do not like the wait and see prospects.”

Walther is not alone in her concerns. From wondering what the mysterious-sounding marketplace and “donut hole” mean, to worrying if their Medicare or Medicaid benefits will change, many area seniors want to know how the ACA will impact them, their health care and their wallets.

With that in mind, Lovin’ Life After 50 has asked local experts to weigh in on how the ACA will affect senior citizens, especially those on Medicare and Medicaid.

Medicare “People who are on Medicare will not need to do anything different under the ACA,” says Jaime Perikly, COO of Health Choice, a provider-owned, managed care organization that delivers health care services to ...continues on page 26

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Affordable Care Act... from page 24 its members. “The enrollment process and enrollment change periods stay the same. Their options to choose traditional Medicare or a Medicare Advantage plan, as well as a supplemental plan, also stay the same. For people who are new to Medicare, they will follow the same processes currently in place to enroll and choose their options.”

However, the Marketplace will not be open as a Medicare replacement, says Shay Bierly, SPHR for MJ Insurance Inc. in Phoenix.

“There has been a lot of confusion about this, because the Marketplace open enrollment period will mirror the Medicare open enrollment,” says Bierly.

‘Traditional Medicare,’ Medicare Parts A and B Seniors who are currently covered under traditional Medicare Part A and Part B programs will receive additional benefits because co-payments and deductibles for preventive services and screenings/wellness exams for various conditions will be eliminated, says David Weissman, an attorney from Rose Law Group in Scottsdale.

“In addition, premiums for these plans have been fixed through 2017, following just a small increase in 2013,” he says.

Alan Leafman, a health insurance expert and owner of Health Insurance Express in Mesa, says he anticipates that Medicare Parts A and B will be very minimally impacted by the ACA. “Of course, as has been the case nearly every year since Medicare’s inception, benefits under Medicare A and B will be decreased—through higher deductibles, hospital copayments and cost sharing—each year. This means that the need for Medicare supplemental coverage, sometimes referred to as Medigap coverage, will be increasingly more important.”

Supplements are available in a number of different forms of coverage that were standardized by the federal government many years ago, Leafman adds. These supplement forms use letter designations “A – N” and the plans do not vary from insurance company to company. This standardization makes it easier for consumers to shop plans on price, he says.

page 26 : : Lovin’ Life After 50 : : October 2013

“Additionally, since between 10,000 and 11,000 people per day are aging into Medicare, a trend that will continue through the year 2029, more insurance companies continue to enter into the Medicare supplement marketplace,” Leafman says.

“Demand for Medicare supplement plans is being further accelerated by the fact that many employers are dropping or increasing the cost of retiree medical benefits, forcing more consumers into Medicare.”

These factors have created Shay Bierly of MJ Insurance Inc. in Phoenix, healthy competition among says that the Marketplace open enrollment insurance carriers and the period under the new Affordable Care Act beneficiaries of this competition will mirror the Medicare open enrollment process. are consumers, Leafman notes, adding that unlike health insurance supplements agree with Medicare to plans for younger people, there are automatically pay their portion of any virtually no differences from insurance claims that are approved by Medicare.”

Although Leafman says it is not too company to company in the area of claims payment practices for Medicare well known, “Traditional Medicare”, supplements. “This is a qualitative or non-PPO or HMO Medicare, also concern of consumers but it is largely offers a no-cost initial wellness visit, unfounded because the insurance including a basic vision test, within 12 ...continues on page 28 companies offering Medicare

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Affordable Care Act... from page 26 months of enrolling in Medicare Part B. Thereafter, annual wellness visits are also covered at no cost.

“Medicare Advantage Plans (Medicare Part C, HMO/PPO plan) which are an alternative to Traditional Medicare, also cover preventive services, and in nearly all cases these services are also covered at no additional cost,” Leafman says, adding that these plans do use physician networks, and services must be provided by a network physician or medical facility.

Medicare Part C – Medicare Advantage Plans Those who are in Medicare Advantage (Part C) plans, which are private insurance plans that expand on traditional government-provided Medicare, will likely face higher premiums and reduced benefits due to upcoming reductions in the funding provided by Medicare to these private plans, Weissman says.

In addition, he feels that dramatic cuts in general Medicare funding—more than $700 billion between 2013 and 2022—will impact reimbursements to physicians, clinics, hospitals, skilled nursing services, home health care providers and others.

“This has caused both uncertainty and concern regarding the availability of adequate medical services for seniors as these cuts are implemented,” Weissman says, adding that as is the case with many aspects of the ACA, only time will tell.

Although Leafman is aware of the speculation about increasing costs and/or decreasing benefits for Medicare Advantage plans as a consequence of the ACA, he feels there is little concrete evidence to validate these concerns.

“Today more than one out of four people on Medicare participate in a Medicare Advantage plan. Many of these plans are offered by the insurance companies for little to no monthly cost, largely because they are funded

by Medicare,” he says. “Participants in these plans have chosen to accept the restrictions of a provider network, and

possibly higher copayments for service, in return for little to no monthly cost of coverage.”

Just like Traditional Medicare, participants in Medicare Advantage plans are still required to pay the Medicare Part B (outpatient coverage) premium, which is approximately $110 per month for most Medicare participants.

Medicare Part D - Prescription Drug Coverage Perikly says the ACA will bring some changes to the prescription drug deductible and to what is commonly called the “donut hole”—the gap between the initial prescription drug coverage limit and when prescription drug spending is high enough that coverage begins again.

“Medicare beneficiaries who have higher spending for prescription drugs may spend less in 2014. Beneficiaries will enter the donut hole sooner, but will leave the donut hole faster and will have a larger discount while in the donut hole,” Perikly says, adding that this will be 28 percent in 2014 versus 21 percent in 2013.

on their medications until they have completed their tier two coverage under Medicare Part D,” he says, adding that the discount percentages will be phased in over time, starting at only 21 percent on generic medications in 2013. “The covered percentage of costs for brand name drugs is higher and by 2014 it will reach 52.5 percent for brand name drugs and 28 percent for generics.”

Just like Medicare supplemental plans, Medicare prescription plan competition is also heating up, Leafman notes. “The unprecedented number of Baby Jaime Perikly, COO of Health Choice, Boomers aging into Medicare a provider-owned, management care has created a growing market organization, says that people who are in opportunity for insurance on Medicare will not need to do anything companies. Consumers are different under the Affordable Care Act. encouraged to shop their Part D marketplace for those whose coverage during open enrollment household incomes are less than 400 each year in order to monitor their percent of the federal poverty level, total cost of prescription medication,” Leafman adds, will greatly enhance he says, adding that personalized the availability and affordability of comparisons of plans, based on each health care for hundreds of thousands individual’s medications are available of Arizona residents. “It is important at: www.medicare.gov or through most to note that the federal government pharmacies. will fund 100 percent of the Medicaid expansion for the first three years of the program,” he says, noting that Medicaid Arizona is one of 26 federal funding will then gradually states that have chosen decrease to the ultimate level of 90 to move forward with percent by the year 2022.

For seniors who are currently on Medicaid expansion.

This expansion will Medicaid, Perikly says, it is important bring new federal that they renew their eligibility to funds to Arizonans, maintain their benefits. “Seniors who Leafman adds, many lose eligibility can find new options of whose lives will for health coverage on the Health be greatly improved Insurance Marketplace. People whose by easier access to household income is between 100 medical care. “There and 400 percent of the poverty line are nearly 600,000 are eligible for financial assistance nonelderly individuals in Arizona who to purchase health insurance in the currently, or will very shortly qualify Marketplace.” for Medicaid, double the number of currently covered individuals. Putting What impact will the ACA have this into perspective, 23 percent of on seniors’ wallets?

Arizona’s population is uninsured.”

Seniors who are eligible for The federal law sought to extend Medicare can choose from traditional Medicaid to all people who earn Medicare with a Prescription Drug less than 138 percent of the federal Plan, a Medicare Advantage Plan or a poverty level, which equates to just Medicare Advantage with Prescription under $16,000 for an individual and Drug Plan, Perikly says. $32,500 for a family of four based on While traditional Medicare current guidelines. offers flexibility in service area and This expansion, plus premium provider networks, she says Medicare subsidies through the public ...continues on page 30

“There are nearly 600,000 nonelderly individuals in Arizona who currently, or will very shortly qualify for Medicaid, double the number of currently covered individuals.”

In addition, Weissman says the donut hole will be gradually phased out through discounts on prescription drugs until closed in 2020.

“Most indications are that this aspect of the ACA has been received favorably,” he notes.

Overall, Leafman says, one of the ACA’s major initiatives is the reduction in out-of-pocket costs for prescription medications.

“Initially, those who have exhausted their first tier of Part D benefits and have entered the ‘donut hole’ will receive discounts averaging 50 percent

page 28 : : Lovin’ Life After 50 : : October 2013

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Affordable Care Act... from page 28

Advantage plans may offer financial savings.

“There are also options for assistance with Medicare premiums for seniors who are eligible for both Medicare and Medicaid, called dual eligible,” Perikly says. “Medicare Advantage plans designed for seniors who are dual eligible offer assistance with costs, coordination of health care benefits, as well as extra benefits not offered by traditional Medicare, such as dental and vision.”

Seniors who are not eligible for Medicare may be eligible for financial assistance for health insurance through Medicaid or through the Health Insurance Marketplace.

As part of ACA, seniors on Medicare will be able to take advantage of certain preventive services, such as mammograms and colonoscopies, without paying the Part B coinsurance or deductible, Bierly says.

“The coverage that is part of the Medicaid expansion will meet the

essential health benefits as they are offered in the Marketplace,” she says, adding that seniors who are on Medicaid will probably find that more services are covered with the ACA. This includes mammograms and colonoscopies, she says, which previously required people to pay a copay. Yearly wellness exams will also be free.

In addition, Perikly is aware that many seniors are concerned about fraudulent activity. To help safeguard

and protect themselves from fraud, she says seniors should remember the following: • It’s against the law for someone who knows that a person has Medicare to sell him or her a Health Insurance Marketplace plan.

• Do not share a Medicare number or other personal information with anyone who knocks on the door or contacts someone uninvited to sell him or her a health plan.

For Help Understanding There are a lot of trusted resources where seniors can get reliable information about the ACA. For example:

MAJOR MEDICAL BREAKTHROUGH in Joint Health

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Health Insurance Marketplace: www.HealthCare.gov

Lisa found herself unable to get out of her chair after reading the morning paper. The pain was so intense in the morning in her hips and knees.

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Patients come from all over the world to seek treatment because of its reputation of constantly searching for new and better ways of fighting this crippling disease. Dr. Flick is a highly regarded health professional who has published numerous medical papers and research studies.

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Independent Studies conducted by: Dr. Robert Bingham, Orthopedic Surgeon, M.D. Desert Arthritis Medical Clinic, Desert Hot Springs, California Dr. A. Bart Flick, Orthopedic Surgeon, M.D. Mountain Medical Specialties, Clayton, Georgia.

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page 32 : : Lovin’ Life After 50 : : October 2013

www.lovinlifeafter50.com

entertainment

... answers on page 51

Even Exchange by Donna Pettman Each numbered row contains two clues and two answers. The two answers differ from each other by only one letter, which has already been inserted. For example, if you exchange the A from MASTER for an I, you get MISTER. Do not change the order of the letters.

Sudoku Time Place a number in the empty boxes in such a way that each row across, each column down and each small 9-box square contains all of the numbers from one to nine.

DIFFICULTY THIS MONTH H H H H Moderate HH Challenging HHH HOO BOY! HHHH Put on your helmet!

Across 1. Mineral springs 5. Kind of star 9. Shirks work 14. Marquee 15. They may hold gold 16. Ill-suited 17. All wound up 18. Undiluted, as whiskey 19. Not grand 20. Arizona architect who created Arcosanti 23. Live down 24. Sought office 25. Give permission to 28. K-12 volunteers 29. Novelist’s need 32. Whirring sound 33. Illegal firing 34. Computer hazard 35. Historically this is what made Arizona a US territory 40. Broadcast component 41. Ordinary 42. Five-time U.S. Open champ Steffi 43. “Fiddler on the Roof” setting 45. Nest egg for short 48. Suppose 49. Kind of ball or stick 50. Rent check payee 52. Tucson mayor who coined the term “The Old Pueblo”, Bob _____ 55. Cello’s smaller cousin 59. “The Long and Winding ---” 60. Mil. stockpile 61. Whale types 62. HS math course 63. Glance from Groucho 64. Separate through percolation 65. Dried up 66. Misses the mark

Crossword by Myles Mellor

Down 1. Come through in a big game 2. Hairsplitter 3. Country north of Namibia 4. Pens and needles 5. “Tommyrot!”

6. It comes in black and white 7. Schnitzel ingredient 8. Behind the ship 9. Plant with purplish blue flowers 10. ___-track mind 11. “To the rear, Admiral!”

12. Like a triathlete 13. Swine home 21. Exceed the limits 22. Dustcloth 25. The euro replaced it 26. Joule divisions 27. Branch headquarters?

30. Mafia boss 31. Data 32. Inlaid furniture decoration (Var.)

33. “Yeah, right!”

34. Fisherman’s gadget 35. Pranks 36. Saintly glow 37. When zero hour occurs 38. Get mileage out of 39. Ann ____: Lincoln fiancee 43. Go after, in a way 44. Centers 45. Chemically related compound 46. Tenant 47. Passions 49. Don’t go together 51. Shallow depression 53. Sprinted 54. It really grows on you 55. TV control: Abbr.

56. Emotion for someone steamed or fuming 57. Mozart’s “L’___ del Cairo” 58. Anita Brookner novel, “Hotel du ___”

SCRAMBLERS

Unscramble the letters within each rectangle to form four ordinary words. Then rearrange the boxed letters to form the mystery word, which will complete the gag!

Remark

IMONENT Needed

TAVIL Adjust

GL AIN Advise

FINOT Y

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October 2013 : : Lovin’ Life After 50 : : page 33

page 34 : : Lovin’ Life After 50 : : October 2013

www.lovinlifeafter50.com

Sound Off

... from page 6 they helped cause in Congress. Gee, Obama made a stupid remark what else is news among the no-nothing about a red line if Syria uses crowd? chemical weapons. Now, to save his face, he is considering a I don’t believe that I’m military strike. If he does order a overly intelligent, but why strike without congressional approval, do I find your so-called articles of impeachment should be hardest puzzles—like the four-starred started immediately. Along with this Sudoku—so easy to do, compared to abuse of power and his stomping other publications? Are you saying that on the constitution, he needs to be because of our age that we have feeble impeached. minds and deserve a handicap? I don’t want a handicap. I want a challenge!— Don’t fool yourself, old timers.

Dennis Pinnick The Russian and American ships in the Mediterranean Editor’s Note: Our puzzles comes from a are all about oil and the buried, buried wire service that creates and rates the Sudoku. 1990s TV investigation of Texas oil A handicap was definitely not placed on it for man in Baku, Azerbaijan, then the our over 50 readers. But we will take your Soviet Union, working out the pipeline advice and look for more difficult puzzles in supply line through the Mediterranean subsequent issues. countries to their docks. Guess what?

No surprise there. Sam Steiger knew it It’s unfortunate that and so did I. Not too many others are commercial television gets left who do. It’s all about oil. Grandma more high school trivia every is still very, very angry. day, or crime and sex and sports, of course. You only get the news from The Sunday news is one public broadcasting so you know what’s liar outdoing the next. The really going on in this world.

Sunday morning airheads

have now found an out. Blame the brother, blame the brother. We’re going to be safe now and the ships can turn around and go home. The oil will flow from the Caspian Sea to the Mediterranean again. Oh God, unbelievable deceptions.

Now you see why the oil people are so happy to blame Obama for all their greedy mistakes.

What a sick world. A sick, sick, sick world.

Surprise, we won’t put boots on the ground, just like we won’t allow red lines to be crossed. Now all the experts know exactly what they should have done in Iraq. Amazing! Hell no we won’t go and fight someone else’s war again. Are we really that stupid? Everybody else should have a march on Washington to put some brains into the congressmen.

Now we know the United Nations is packed with cowards. Send them home to fight their own chemical wars. Send all

those TV talking head experts, too, to explain it to them.

No the United States does not have to save the world from evil. It does have to restore its own democracy because it’s now or never time. Drones should guard our land and boots should be on us soil only. Thank god we will not have to use either if we are lucky.

Oh my, look at all the war hawks flying away and squirming in the nest they made for themselves. Oh they’re trying to get rid of him. Now they want him back so they can blame it all on them.

What a bunch of phony hypocrites.

Shame on all of you!

I feel bad for the pain and anguish that the transgender and gay people often go through. I was wondering why they don’t try brain chemical and hormone treatment, as often it can be out of kilter. Counseling may help, also, but ...continues on page 42

Now you can pick up your copy at your neighborhood

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October 2013 : : Lovin’ Life After 50 : : page 35

page 36 : : Lovin’ Life After 50 : : October 2013

www.lovinlifeafter50.com

GENERAL PUBLIC NOTICE

HEARING HEALTH SCREENINGS AT NO CHARGE

60 DAY MARKET EVALUATION

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25 PEOPLE FOR TRIAL OF THE NEW “TWIN CORE” HEARING AID TECHNOLOGY

In an effort to increase product awareness, New Hope Center For Hearing has been exclusively selected by the leading manufacturer in cutting edge hearing aid technology to conduct a “ONE TIME” test market review of the revolutionary “TWIN CORE” hearing aid technology.

Manufacturer trained representatives will be on hand to demonstrate the amazing changes in hearing aid technology that have occurred in just the past few years. Additionally we will be offering the following services at NO CHARGE.

ATTENTION FEDERAL BC/BS MEMBERS YOUR BENEFITS HAVE BEEN RESET!

As of January 1st 2013 “ALL” Federal BC/BS benefits have been RESET making all Federal BC/BS Members eligible for new hearing aids with no cost to you. The 100% digital, programmable “targa” circuit is our standard Fed. BC/BS benefits hearing aid.

ACT NOW and we will upgrade you to the highly advanced “Day 4+” circuit. The new Day 4+, fifth generation, D-5 processing platform offers enhanced clarity and fidelity in an array of listening situations. Including 2 separate noise reduction programs and 4 prescription channels, Anti feedback, Directional microphones, and optional remote control. All this with no money out of pocket!

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October 2013 : : Lovin’ Life After 50 : : page 37

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HMOs which Assume Responsibility for Medicare Coverage Company

Blue Medicare Advantage Classic (HMO)

Cigna Medicare Select Plus Rx - Standard (HMO)

Cigna Medicare Select Plus Rx - Diabetes Heart (HMO)

(Available in Maricopa County and parts of Pinal County)

(Available in Maricopa County and certain zip codes within Apache Junction and Queen Creek, Arizona)

(Available in Maricopa County and certain zip codes within Apache Junction and Queen Creek, Arizona)

Premium or Subscription Charges

$0 monthly premium (in addition to your Part B premium). Blue Cross Blue Shield of Arizona Advantage contracts with the federal government to provide full Medicare coverage plus additional benefits.

$0 monthly plan premium. Cigna contracts with Medicare to provide full Medicare coverage plus additional benefits.

$0 monthly plan premium. Cigna contracts with Medicare to provide full Medicare coverage plus additional benefits.

Registration or Policy Fee

NONE

NONE

NONE

Pre-existing Health Conditions

Not available for patients with end-stage renal (kidney) disease and receiving dialysis.

Not available for patients with end-stage renal (kidney) disease.

Not available for patients with end-stage renal (kidney) disease.

Costs on Entry to Hospital

$200 per day for days 1-5 in plan hospital; same cost sharing for non-plan hospital with prior authorization (different cost sharing applies to inpatient mental health).

You pay $260 per day (days 1-7) for a Medicare covered stay in an in-network or out-of-network hospital; $65 emergency room (waived upon admission).

You pay $260 per day (days 1-7) for a Medicare covered stay in an in-network or out-of-network hospital; $65 emergency room (waived upon admission).

Maximum Period of Coverage for Any One Benefit

365 days in calendar year.

Unlimited-365 days in a calendar year. Medicare beneficiaries may only receive 190 days in a psychiatric hospital in a lifetime.

Unlimited-365 days in a calendar year. Medicare beneficiaries may only receive 190 days in a psychiatric hospital in a lifetime.

Skilled Nursing Facility

$0 per day for days 1-10 in plan skilled nursing facility; $25 per day for days 11-20; $120 per day 21-100 in plan SNF; same cost sharing for non plan skilled nursing facility with prior authorization. No prior spital stay required.

Days 1-20: you pay $0 per day. Days 21-100: you pay $130 copay per day for covered services in a Medicare certified SNF.

Days 1-20: you pay $0 per day. Days 21-100: you pay $100 copay per day for covered services in a Medicare certified SNF.

Medical Coverage for Part B

Covered in full after applicable copayments/coinsurance.

Members must continue to pay Medicare Part B premium.

Members must continue to pay Medicare Part B premium.

You pay $10 for each primary care physician office visit; $50 for each visit to most specialists. You pay $5 - $300 for x-ray/ultrasound; You pay $10 for each visit for occupational, speech, physical therapy or $15 for cardiac and pulmonary rehab (Medicare coverage limits apply). You pay $250 for each outpatient surgery. You pay $150 for each ground ambulance transport. You pay 20% coinsurance for durable medical equipment and prosthetics.

$0 copay for primary care physician office visits. $40 copay for specialty care office visits. $25 copay for urgent care visits 20% coinsurance for outpatient surgical visits. $40 copay for physical/speech therapy. $250 for ambulance.

$0 copay for primary care physician office visits. $20 copay for specialty care office visits. $25 copay for urgent care visits 20% coinsurance for oupatient surgical visits. $20 copay for physical/speech therapy. $200 for ambulance.

Outpatient Prescription Drugs

$4 for a 30-day supply of preferred generic, $14 for non-preferred generic, $45 for preferred brand and $95 for non-preferred brand drugs at retail preferred-pharmacies; 33% for specialty drugs. $2,850 initial coverage limit. Catastrophic coverage with $4,550 spent.

Tier 1: $3 copay for a 30-day supply.

Tier 2: $10 copay for a 30-day supply.

Tier 3: $40 copay for a 30-day supply.

Tier 4: $75 copay for a 30-day supply.

Tier 5: 33% coinsurance for a 30-day supply.

All Tier 1and Tier 2 drugs covered through the gap.

Tier 1: $2 copay for a 30-day supply.

Tier 2: $9 copay for a 30-day supply.

Tier 3: $40 copay for a 30-day supply.

Tier 4: $75 copay for a 30-day supply.

Tier 5: 33% coinsurance for a 30-day supply.

All Tier 1and Tier 2 drugs covered through the gap.

Renewability of Contract

Renewable annually

Medicare Advantage contracts are renewed annually.

Medicare Advantage contracts are renewed annually.

Travel Restrictions Out of Area

Coverage throughout the United States for emergency and urgently needed care only.

$65 copay for emergency room; $25 copay for urgent care. Must not be absent from service area for more than 6 consecutive months.

Worldwide emergency and urgent care.

$65 copay for emergency room; $25 copay for urgent care. Must not be absent from service area for more than 6 consecutive months.

Worldwide emergency and urgent care.

Major Options Available from Company

Health/wellness education, disease management. Discounts on eyewear/hearing aids. CareAssist programs.

Plan offers hearing, vision, wellness classes, podiatry and chiropractic benefits. Dental option available for $20 monthly premium. Golden Vitality program offers $200 gym membership reimbursement.

Plan offers hearing, vision, wellness classes, podiatry and chiropractic benefits. Dental option available for $20 monthly premium. Golden Vitality program offers $200 gym membership reimbursement.

A.M. Best Rating

Not Rated

Not Rated

Not Rated

For More Information

For more information about all of Blue Cross Blue Shield of Arizona Advantage Plans or to register for a seminar please call (800) 422-0761.

(855) 561-3811; TTY 711, 7 days a week, 8 am - 8 pm

(855) 561-3811; TTY 711, 7 days a week, 8 am - 8 pm

Outpatient Care

Physician care for hospital or office services, surgery, anesthesia, X-ray, laboratory, injections, splints, casts, dressings, physical and speech therapy, radiology, ambulance, prosthetics, etc.

page 38 : : Lovin’ Life After 50 : : October 2013

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Health Net of Arizona Health Net Ruby Select (HMO) (Available in Maricopa County Only)

Premium or Subscription Charges

Humana Gold Plus - 011

SCAN Health Plan Arizona

United HealthCare Secure Horizons

(Available in Maricopa county and parts of Pinal County)

(HMO) (Avaliable in Maricopa and Pima Counties)

$0

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No Monthly Premium to AARP MedicareComplete Plan in Maricopa and Pinal Counties. Government pays United HealthCare to assume financial responsibility of Medicare Parts A & B and D.

Registration or Policy Fee

NONE

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Pre-existing Health Conditions

Not available for patients with end-stage renal (kidney) disease.

Not available for those with end-stage renal (kidney)disease unless already a health plan member.

Not available for patients with end-stage renal (kidney) disease (ESRD).

Those individuals with end stage renal (kidney) disease are not eligible

Costs on Entry to Hospital

$175/day, days 1-5, $0/day, days 6-90

You pay $150 each day for days 1-7, $0 each day for days 8-90

Days 1-7: $195 per day Days 8-90: $0 per day

You pay $295 days 1-4/ $0 days 5-Unlimited when admitted to a network hospital.

Maximum Period of Coverage for Any One Benefit

Unlimited days for inpatient hospital. 100 days per benefit period for SNF. 190 lifetime days for inpatient mental health.

Hospital - Unlimited number of authorized, medically necessary days. Other limitations may apply for other benefits.

Unlimited-365 days in a calendar year. Medicare beneficiaries may only receive 190 days in a psychiatric hospital in a lifetime.

Hospital - unlimited number of authorized, medically necessary days. Other limitations may apply for other benefits

Skilled Nursing Facility

$0 per day for days 1-20. You pay $100 per day for days 21-100. There is a limit of 100 days for each benefit period.

Days 1 - 20: $25 copayment per day - Days 15 - Days 21 - 100: $152 copayment per day

Days 1-20: $25 per day Days 21-100: $125 per day

You pay $25 days 1-20, then $152 days 21-61, you pay $0 days 62-100. This is per benefit period of covered services in a Medicare Certified SNF. The 3-day hospital stay can be waived.

Medical Coverage for Part B

Members must continue to pay Medicare Part B premium.

Members must continue to pay Part B premium to Medicare

Members must continue to pay Part B premium to Medicare

Covered in full after applicable copayments/coinsurance.

You pay $0 for preventive care; $0 copay for each visit to your primary care physician, $25 for specialist visit;$10 for x-rays, $0 for lab services; $350 copay for ambulance; $150 for outpatient surgery hospital/ $100 Ambulatory Surgery Center (ASC).

Primary care physician =$0; specialist=$15;surgical and nonsurgical=$100 - $125; rehab=$15 - $35; ambulance=$225; diagnostic tests, x-rays and lab services=$0-$125

$0 routine physical exams. $0 copay for primary care physicians. $35 copay for specialist visits. $30 urgent care visits. $35-$200 copay for outpatient services/surgery. $225 copay for ambulance. 0-20 percent for diagnostic tests, x-rays and lab services.

$0 Preventative Screenings. $10 copay for PCP and $45 for specialist. $65 for emergency care, waived if admitted, and 20 % for DME. $250 for ambulance. Outpatient hospital and outpatient surgery is 20%. Lab copay $14. Xrays from $15-20%.Copays and coinsurance count toward the out of pocket max of $6,700.

Outpatient Prescription Drugs

Tier 1 =$0 Tier 2=$15 Tier 3=$44 Tier 4=$95 Tier 5 33% Tier 6= 0. ICL=$2850

Preferred generics=$0 retail ($0 at preferred mail order pharmacy - 90 day), $10 non-preferred generics - preferred brand=$45, non-preferred brand=$95, specialty=33% - (generic and brand) for 30 day supply at retail pharmacy up to Medicare defined initial coverage limit. Only select drugs covered in the gap.

Tier 1: $5 Preferred generic drugs Tier 2: $10 Generic drugs Tier 3: $45 Preferred Brand drugs Tier 4: $85 Brand Drugs Tier 5: 33% Specialty Drugs Tier 6: $10

$0 deductible with Tier 1 is $4 copay, Tier 2 is $9, Tier 3 is $45, Tier 4 $95, and Tier 5 is 33 percent to the initial coverage limit of $2970 . No coverage after $2850 until out of pocket costs equal to $4550.

Then 5 percent or $2.55 for Generic and Preferred Brand, All other 5 percent or $6.35.

Renewability of Contract

Contracts with CMS are reviewed yearly.

Medicare Advantage contracts are renewed annually.

Medicare Advantage contracts are renewed annually.

Guaranteed renewable for life.

Travel Restrictions Out of Area

$65 copay for emergency room (waived if admitted to hospital). Worldwide coverage.

Worldwide coverage for emergencies and urgently needed care or for out-of-area kidney dialysis services.

Worldwide emergency care - $65 copay. Urgent care - $30 copay

Worldwide coverage for emergency with a $65 copay (waived if admitted to hospital). Routine & preventive care is covered out of member’s residence county w/Passport Benefit.

Major Options Available from Company

Health club membership at no extra charge.

Health club membership, Humana Active Outlook program at no extra charge. PPO, PFFS and PDP plans also available.

Plan offers vision, health & wellness education available with no additional premiums. Some copayments may apply. Free Silver Sneakers Health Club Program.

Plan covers Silver Sneakers as a Fitness Rider, routine eye exam and hardware, routine podiatry visits, hearing aid coverage, and optional dental riders, Large Network of Providers

A.M. Best Rating

B++

A-

Not Rated

A

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Outpatient Care

Physician care for hospital or office services, surgery, anesthesia, X-ray, laboratory, injections, splints, casts, dressings, physical and speech therapy, radiology, ambulance, prosthetics, etc.

For More Information

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(HMO)

(Available in Maricopa and Pinal Counties)

October 2013 : : Lovin’ Life After 50 : : page 39

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t’s Sun the mo Rico, m under a of Sunda our guide in a lecho in pork], kitchen.” my plate. sofrito [o and has a from ann meal, the Puerto R generatio Puerto blend of E American inhabitan on corn, expanded in the ear pigs and c wheat, ric Later whe arrived, p to combi into exot as pastele banana wrapped leaves] a [fried pl with por The suddenly

A New Surgical Approach that can Accelerate Recovery Time.

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The Anterior Approach procedure for Hip Replacements.

Bob’s work as a field chemist requires him to spend time outdoors collecting soil samples in hard to reach places. When hip osteoarthritis threatened to take him out of the field, he turned to his orthopaedic specialist for help. He recommended a hip implant from DePuy Synthes Joint Reconstruction and the Anterior Approach.

To find out more about how a new surgical approach may provide faster recovery with reduced pain and fewer restrictions, visit AAhip.com.

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Important Safety Information: Hip replacement is not for everyone. There are potential risks. Recovery takes time and success depends on factors like age, weight, and activity level. Only an orthopaedic surgeon can tell if hip replacement is right for you.

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Reference: 1. Barrett WP, et al, Prospective Randomized Study of Direct Anterior vs Postero-Lateral Approach for Total Hip Arthroplasty, J. Arthroplasty (2013) 2. Vail TP, Marinani EM, Bourne MH, Berger RA, Meneghini RM: Approaches in Primary Total Hip Athroplasty. J Bone Joint Surg Am 91 (5): 10-12, August 2009. 3. A Case Study from St. Mark’s Hospital. “Anterior Approach Hip Replacement Surgery Yields Increased Volume and Reduced Resource Utilization. St. Mark’s Hospital. 2009.” 2009 DePuy Orthopaedics, Inc. Available upon request from DePuy.

October 2013 : : Lovin’ Life After 50 : : page 41

Sound Off

... from page 35 if the physical aspect of a person is burns and don’t forget the bombs. not addressed, it’s to no avail. When At least they still worry about those a person feels the need to be of the nuclear bombs, blowing up everybody’s opposite sex, the hormone of the oil. Talk away boys, and let young men opposite sex is given. The same could live this time. This time should be the possibly go for gays. I know a man that last time. Don’t you agree, finally? went that route as he didn’t want to be gay. Please don’t take this letter as Doesn’t one man rule equal meaning I’m against anyone. I’m just dictatorship? Why are those thinking of solutions to try to avoid hypocrites in Congress pain to anyone. trying to hang that label around our president’s neck? Want to guess? How It’s a bad day today. So to slip out of your own noose?

Obama is making mistakes from the information he has.

If the cowards of the United You don’t really believe he was given all Nations think it’s OK to the information he needed to know, do poison women and children, you? Oh yeah, who was it in charge in they won’t think anything of the the late ‘90s and early 2000s? Surprise, next nuclear bomb that’s dropped surprise some Texas oilmen. What else somewhere. What the heck, blame it do you need to know? on America again. Yeah sure, same old, same old.

Ten years ago, I saved all the information about all the I was going to see the movie oil pipelines in the Far East “The Butler,” but changed my to make a point. Today I save all the mind when I discovered that information about the war on poison Jane Fonda played the role of Nancy gas. What hypocrites all over the world. Reagan. Let me repeat that: “Hanoi They usually forget about the napalm ...continues on page 50

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entertainment To enter simply: F

rivia Contest

ew things can scare us at our age.

We’ve seen our children break bones, wars come and go and of course, lines on our face appear overnight.

It sends chills down our spine just remembering those events. Boogeymen and bumps in the night, try as they may, have nothin’ on these crow’s feet.

Still, Halloween is just around the corner. As the little goblins in your life dress up and make their rounds around the neighborhood requesting candy donations, it’s important to keep in mind that “trick” is also an option in a “trick-or-treat” scenario.

So it’s time to hand it to history’s best tricksters. You might consider yourself a practical joker, but your whoopee cushion is small beans compared to these infamous scoundrels.

Trivia–Famous Tricksters

1 2 3 4 5

What relatively recent media stunt made a young boy say “You guys said… we did this for the show?”

Some conspiracy theorists believe Paul McCartney was replaced with a double after he “died” in 1966. What do they call the version of Paul McCartney that performs today?

What is the name of the “first and only female pope,” a hoax that was disproven and a story that is considered anti-papal satire?

On a sheet of paper list the correct answers in order 1 through 5.

Include your full name, mailing address, phone number and an email address (if you have one).

Mail your trivia contest entry to: Lovin’ Life After 50 Attn: Trivia Contest 3200 N. Hayden, Suite 210 Scottsdale, AZ 85251 Or email your entry to: trivia@lovinlifeafter50.com The deadline for entry is the 15th of each month. Please be sure to have your entry postmarked by that date.

If you’re a winner in our drawing we’ll contact you via telephone. Good luck!

Contest Prizes A gift certificate to a Valley restaurant awarded to two individual winners

September 2013 Winners Restaurant gift card Carolyn Duncan Restaurant gift card Annette Williams

Last Month’s Answers

1 2

It took Thomas Jefferson 17 days to write the Declaration of Independence.

3

Albert Einstein sent FDR a letter about the probability of creating nuclear bombs.

Common lore says Harry Houdini died after a McGill University student reportedly delivered some vicious blows to his abdomen before a Detroit performance. What actually killed him?

What was the name of the radio program that accidentally convinced the listening public that aliens invaded Earth?

4 5

Napoleon Bonaparte was the military ruler who famously wrote to his sweetheart: “I wake filled with thoughts of you. Your portrait and the intoxicating evening which we spent yesterday have left my senses in turmoil. Sweet, incomparable Josephine, what a strange effect you have on my heart!”

The world’s most expensive letter, sent from George Washington to his nephew, sold at auction for $3.2 million in 2009.

Martin Luther King Jr. sent an open letter addressed to “Fellow Clergymen” from his jail cell in 1963.

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CHANGE TO SMALL ESTATE PROBATE LIMITS Butler Law Office

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W

hen a loved one passes away, each of his or her assets must be transferred to a new owner. If that asset carries a title (like a house, a car, or bank account), a signature is required to transfer to a new owner. This is not just any signature, but the signature of the deceased person. As you might imagine, after death, you (or your loved one) will clearly not be signing anything!

The lengthy and expensive process used by the legal system to change ownership of a titled asset after death is called “probate.” Unless you have done some estate planning, your estate will pass through probate, even if you have a will. Luckily, there is a type of probate available in Arizona that is quick and relatively inexpensive.

It is the “Small Estate” Probate. A change in Arizona Statute §14-3971 may allow more people to use this special tool. The new law expands the “small estate” to now include: 1. Personal property (which is everything you own except real estate) valued at less than $75,000. (Prior limit was $50,000.)

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To take advantage of the Small Estate Probate, you must file a “Small Estate Affidavit” with the court. This Affidavit can change title from the deceased person to the heir, and it is just one page long. Occasionally, a death certificate is required.

Without proper planning, most people require some kind of probate when they pass away. The Small Estate Affidavit is just one tool that can help you simplify the process. Come see us for a free consultation, and we can tailor a plan that either simplifies the probate process, or avoids it altogether. Our office prepares trusts, wills, powers of attorney, the Small Estate Affidavit, and more.

BE SURE TO ATTEND OUR FREE EDUCATIONAL SEMINAR

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Legal Estate Planning Basics Seminar” Date / Time: Tuesday, October 22, 2013, 6:30-7:30pm Location: Tempe Public Library, Room “B”; 3500 S. Rural Rd, Tempe, AZ 85282 Presenter: Mary Jo Salone, Attorney, Butler Law Office in Tempe Contact the Butler Law Office at 480-921-0626 to reserve your seat for this free Seminar.

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October 2013 : : Lovin’ Life After 50 : : page 43

Medicare Open Enrollment Period: Oct. 15 to Dec. 7 Medicare is health insurance offered by the federal government to most people who are 65 and older and to some who are younger than 65 with disabilities. Medicare has different parts that cover different types of services.

Parts of Medicare: • Original Medicare includes two parts: • Part A covers medically necessary hospital, skilled nursing facility, home health and hospice care.

• Part B covers medically necessary doctors’ services, preventive care, durable medical equipment, laboratory tests, X-rays, mental health care, and some home health and ambulance services.

• Medicare Part C is an alternative to Original Medicare and provides more types of coverage through Medicare private plans. These plans are known as Medicare Advantage Plans and may or may not provide prescription drug coverage.

• Medicare Part D provides coverage for prescription medications and is known as the Medicare prescription drug plan.

join Original Medicare after the open enrollment period has ended, you may do so during the 2014 Medicare Advantage Dis-Enrollment Period.

After cancellation of the Advantage Plan you have the option to join a Medicare prescription drug plan during this time. This period is from Jan. 1 through Feb. 14 2014, and changes to coverage will take effect the

For most Medicare patients, the only time to make changes to their Medicare health plans or Medicare prescription drug plans is during the Medicare open enrollment period. The open enrollment period for 2014 Medicare plans begins Oct. 15 and extends through Dec. 7. Any changes made during this time will take effect on Jan. 1, 2014. If no changes are made, your current coverage will remain in effect through the next year, subject to any changes in the coverage itself.

It is very important to review the Evidence of Coverage (EOC) and Annual Notice of Change (ANOC) when choosing to keep or change your coverage. The EOC includes details about your plans coverage and premiums and the ANOC includes any changes in coverage, costs, or services effective Jan. 1, 2014. These documents were sent to you in September by your current Medicare plan. If you have not received these documents contact your Medicare plan.

Medicare Advantage Dis-Enrollment Period: If you would like to dis-enroll from your Medicare Advantage Plan and

first day of the month after enrollment.

Walgreens is a preferred pharmacy in Medicare Part D plans and offers lower co-pays for prescription medications compared to select pharmacies.

Walgreens also offers a variety of Medicare-covered pharmacy services.

Meet with a Walgreens pharmacist to help you research Medicare Part D plans and find ways to save you money!

On medicare part B and have diaBetes?

New Medicare changes may limit where you can get your diabetes testing supplies. The good news is that diabetes testing supplies are available at every Walgreens along with: • Easy, direct billing of Medicare Part B and most supplemental insurance • A wide selection of major national brands • Convenient 90-day supplies

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3/11/13 3:53 PM

Senior News Line Just Say ‘No’

: : by Matilda Charles early every senior I know has less free time in retirement than he or she thought they would. A big reason is that others assumed the new retiree would have loads of free time and would therefore be willing and able to... (fill in the blank). In other words, the so-called free time quickly vanished under the requests of others.

A recent study compared quality of life with the amount of free time available to a retiree. It was originally assumed that more free time meant a better quality of life. Not so, researchers said.

Instead, the management of the time we do have leads to a better quality of life.

The researchers went so far as to suggest that seniors be taught time-management techniques.

I don’t know if that’s really necessary, do you? We spent the first part of our lives managing our time, either for work or family obligations, or both. What we need to learn upon first retiring is the word “no.”

N

“Oh, you’re retiring? Would you please watch the kids during the day to save me the babysitting costs?” Answer: No. “Can we count on you to join the board at the senior center?” Answer: No. “Will you sign up to deliver meals to shut-ins?” Answer: No. No, no, no ... at least until you get a handle on your free time once you’ve retired. Give it at least a couple of months. During that time, explore some of your options: a hobby you never had time for, uninterrupted hours in the library, sewing the new drapes that have sat untouched for years ... you get the idea.

Then, once you learn what “free time” you really have, maybe you can say “yes” now and then.

Matilda Charles regrets that she cannot personally answer reader questions, but will incorporate them into her column whenever possible. Send email to columnreply2@gmail. com.

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T

he American family continues to evolve, with multiple generations living under the same roof in more households than any time since the Great Depression. Of America’s 76 million households, 5.6 percent (4.3 million) were multi-generational as of 2011, according to the U.S. Census Bureau. Homeowners are finding it’s more important than ever to ensure every home improvement project delivers benefits for every member of the family—children, parents and grandparents.

Whether your family grows with the birth of a child or because a grandparent has moved in with you, here are some home improvement projects that are multi-generational family-friendly: Adding/Updating a Bathroom Few household situations are as stressful as too many people sharing just one or two bathrooms. If your home population is growing, but you’re still making do with too few bathrooms, adding a bath or upgrading an existing one can make life more pleasant for everyone.

What’s more, it’s a smart investment of your renovation dollars. If you decide to sell your home down the road, you can expect to recoup about

53 percent of the construction cost for a modest bathroom addition, according to Remodeling Magazine’s Cost vs. Value report. And a modest bathroom remodel recoups about 64 percent of your investment.

Finishing a Basement or an Attic Bonus Room If you’re looking for more usable living space, finishing a basement or attic bonus room is almost always easier than adding square footage to your home. A finished existing area can be a versatile investment, affording you the space to add a bedroom, bathroom, recreational room, home office or even a second kitchen a la inlaw suite style. Upstairs, finishing an attic bonus room can provide a welllit and airy retreat with the inclusion of fresh air skylights. Downstairs, advances in basement finishing technology have compressed the timeframe of this once pricey and drawnout home improvement. Remodeling Magazine says a basement renovation pays back more than 70 percent of its cost at the time of resale.

Healthful Upgrades The quality of light and ventilation in our home speaks directly to the safety and health of its occupants.

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in winter, upgrading key appliances in your home can significantly improve the comfort of its occupants. What’s more, replacing older appliances with new ones can help you save money on your utility bills over the life of the product. Replacing an old water heater, furnace or air conditioner with an Energy Star-certified product can trim utility bills significantly.

For example, according to EnergyStar.gov, replacing a central air conditioning unit that is 12 years old (or older) with an Energy Starqualified one could reduce cooling costs by 30 percent, and switching to a solar water heater could cut your water heating bill in half. What’s more, between now and the end of 2016, certain energy-efficient home improvements may qualify you for a federal tax credit. If you install a residential solar water heating system, you could qualify for federal as well as state tax credits and other incentives.

You can find a calculator to help tally the potential payback on a solar water heating system and a federal tax credit estimator to calculate your savings on new or replacement solar powered skylights at www.veluxusa.com.

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Aging eyesight often needs better lighting, and poor indoor air quality can affect everyone’s health, but especially that of young children with respiratory ailments such as asthma.

One improvement that addresses both concerns, is a skylight. When opened, an Energy Star-qualified fresh-air skylight, like those made

by Velux America, can help exhaust stale unhealthy indoor air and bring fresh air into your home. Skylights especially make sense if you’ll be creating more inexpensive living space by finishing an attic.

Add remote controlled solar powered blinds to solar powered fresh air skylights in your home and the products, as well as installation costs, are eligible for a 30 percent federal tax credit. To learn more about no leak skylights that close automatically in case of rain and how they can help improve indoor air quality, visit www. veluxusa.com.

Join us for Medicare Basics Wednesday, October 23rd • 9:00 am EJ Robson Library 9330 E Riggs Rd, Sun Lakes, AZ

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October 2013 : : Lovin’ Life After 50 : : page 47

home Nanaimo Bars

1 cup shredded coconut (sweetened) 1/2 cup walnuts or pecans, coarsely chopped

: : by Jan D’Atri

I

wish I had known about this treat years ago when I was living in British Columbia, where it originated. (I was going to school at the Conservatory of Music in Victoria, and on the weekends my fellow classmates and I would drive up Vancouver Island to Nanaimo, a quaint and picturesque town on the waterfront just to get away from it all.)

Little did I know then, as relatively few people know now, that it’s the home of the original Nanaimo Bar, a decadent, delicious no-bake three layer cookie bar that takes only one bite to win you over for a lifetime. Yes, it’s that good, with a bottom layer of packed chocolate, nuts, graham crackers and coconut. The

filling is a creamy layer of custard butter icing, and if that’s not enough, the top layer is a rich, firm chocolate!

The Nanaimo Bar has been called Canada’s Favorite Confection and for years the recipe was imprinted on souvenir tea towels and aprons. I remember seeing it when I strolled around town, but it wasn’t until years later that I remembered its goodness.

I think you’re going to like the Nanaimo Bar! This favorite from our friends to the North definitely raises the bar on a chocolaty layered treat.

Nanaimo Bars

Bottom Layer 1/2 cup (1 stick) butter, room temperature 1/4 cup granulated sugar 1/3 cup (5 tablespoons) unsweetened cocoa powder 1 egg, slightly beaten 1 teaspoon pure vanilla 2 cups graham cracker crumbs

Middle Layer 1/4 cup butter, room temperature 3 tablespoons cream 2 tablespoons custard or vanilla pudding powder 2 cups powdered sugar 1 teaspoon vanilla Top Layer 4 squares (4 oz) gourmet dark chocolate or 4 oz. semi-sweet chocolate chips 2 tablespoons butter

Topping: Melt chocolate and butter together in a saucepan or double boiler. Do not burn. Spread gently over the filling.

Refrigerate.

Directions: Bottom Layer: In a saucepan over low heat, melt the butter. Stir in the sugar and cocoa powder until blended. Whisk in the beaten egg, stirring continually until the mixture thickens, about one minute. Remove from heat and stir in the vanilla, graham cracker crumbs, coconut, and chopped nuts. Mix well, and then press mixture evenly and firmly into approximately a 9-inch square pan. Cover and refrigerate until firm (about 30 minutes).

Tips for Serving Because the top chocolate layer will get rather hard, you may want to score the chocolate where you’ll be cutting it into bars before you refrigerate for the final time. The 9-inch square makes about 12 squares.

This recipe works well as bite-sized pieces, too. Keep the pan of bars chilled and cut into it with a knife that is heated by dipping it into a container of hot water. Wipe knife down to dry after each dipping.

Check out www.jandatri.com for great recipes, stories and cool places we’re visiting! Come back often!

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Sound Off ... from page 42 Jane” Fonda, a North Vietnamese Communist supporter played Ronald Reagan’s wife. I’m sure Ronald Reagan is rolling over in his grave now. The movie also depicts Reagan as a racist, which is another liberal Hollywood lie.

Sorry “Hanoi Jane,” but every veteran from World War II to the present remembers you in the Viet Cong, holding a North Vietnamese antiaircraft gun, spouting off your antiAmerican rhetoric. “Hanoi Jane” also betrayed American POWs who asked for her help and then you turned them in to their Communist captors for more torture and eventual death. You’re a traitor and should have been charged with treason. Vets don’t forget.—Bill Spotts, Mesa Good morning. It’s not that America doesn’t care. It’s the matter of letting other countries fight their own civil, religious, poverty wars. America has its own problems, mostly because of those other wars. Dig down, Americans.

Protect and prosper Americans.

Remember God, Allah and all good spirits help those who help themselves and the evil destroys itself. You remember that, don’t you?

Wonder why America’s broke?

Where did all the savings go?

Save England. Save Europe.

Save Israel. Save South Korea. Save Cambodia. Save Bosnia. Save Iraq.

Hey, world, save yourself for a change.

We need a breather.

The interesting information about SRP dam turbine repair costs finally explain the boost of customers’ bills. They should have informed us sooner. Secrets always make unnecessary damage.

I am going to pose a question.

We have been fighting against Al-Qaeda for over a decade in Iraq and Afghanistan. They are a major factor in the rebel opposition to Assad. I equate this group the same as “The Brotherhood.” Their goal is the same, the installation of Sharia law over every nation. As far as I am concerned under Obama we have been on the wrong side. Gadhafi of Libya

kept them under control. We aided them in murdering him. Mubarak of Egypt also kept them under control.

We threw him under the bus, as the old expression goes, and now Assad. Won’t it be great when “The Brotherhood” gets their hands on those stockpiles of chemical weapons? It won’t be so great for Israel. They will be the first victim followed by America. Our John McCain is pushing Obama. Please tell him to stop.—Jack B. Walters, Tucson There appears to be hundreds of reporters on commercial television news, but where are the journalists of information of truth kept from the American public, especially regarding the struggling refugee camps in need of water and waste controls? You’ll find the answers on PBS of course. I’m sure you missed it today.

Don’t forget war is always the big boys’ game. Since Russia totally lost in Afghanistan it can now save face by sharing the credit with America over any resolutions in Syria. Oh yeah, grandma didn’t forget.

It’s still about oil, remember?

Marijuana for children this time? Didn’t Ritalin do enough damage to the last generation?

More stupid people running the world than we can count.

Well, another crane tipped over and makes it obvious the operator just did not get a good grade in high school geometry.

See, you have to have some kind of a diploma to even drive a big kind of truck or any kind of useful machinery.

Go back to school dummies. Go back to school.

No one country can control another country’s civil war. No matter what material is used by man’s battle. Women and children have always been the cost and always will be until diplomacy rules. That’s what America tries to teach the world.

Diplomacy rules, not civil war.

America’s labeled the violence country. Why? Because hitting each other starts young. Kids play make believe—pirates with soft

page 50 : : Lovin’ Life After 50 : : October 2013

swords age ages 5 through 7; cops and robbers; cowboys and Indians with guns until teens. Then it’s boxing and football fans. It’s just another game accelerated by the various stages of greed we’re also taught. Why is America a violent country? We learn it from babyhood.

Good morning, all grandma can say on Sept. 10 about the Charlie Rose Syria interview is “I told you so.” How ‘bout that. The old lady remembered well.

It’s hard to believe the learned men of Congress are ready to vote negative to issues they do not know of the full contents for personal reasons of disagreement and dislike of one person in particular.

Shame on them. No wonder we’re in such bad straits. No wonder Russia is going to take advantage of it, again.

Of course Congress will vote for Russian resolution rather than give President Obama credit for his threats. That’s the way it is with the petty minds in Congress.

Oh boy fun and games: No matter how they spend it, they’re all saving their oil line distribution. Liar, liar pants on fire.

You’re caught in your own dirty war.

Looky, looky, looky we finally got it—the war of the egos.

Let the boys have all the war of the words they want. They’re finally learning how to do it without hurting everybody else. Ya think?

In 1956, when Eisenhower was president, the Highway Revenue Act was approved to pay for the Interstate Highway System.

The federal tax rate was set at 3 cents.

In the 1950s, it was raised to 4 cents.

In 1982 under Reagan it was increased to 9 cents, then under G.H.W. Bush it increased to 14 cents, of which 2.5 cents were designated for deficit reduction and lastly it was increased to 18.5 cents under Clinton in 1993. All of the increase designated for deficit reduction. There it has remained to this day. The fund continued to drop to where Congress authorized a transfer of $35 billion from the general fund

to shore it up between 2008 and 2010.

Sen. John McCain and Hillary Clinton during their campaign to become president proposed a gas tax holiday.

Hillary suggested making up the shortfall with a windfall tax on the oil industry. Since 2000, there have been half a dozen attempts by members of Congress to suspend the gas tax entirely. The fund is projected to become insolvent this year. Believe it or not the U.S. Chamber of Commerce actually supported raising the gas tax this year. All of the above data I gleaned from Wikipedia. Why take the time to write about it now? My reason is that in this week’s newspapers were two articles which caught my attention.

The first had to do with increasing sales of large SUVs and pickup trucks, the second was a proposal to generate funds for highway and bridge repairs by installing toll booths as the only viable way to raise funds for road repair. Just think of the added cost of installing and manning booths and the travel delays that would be a result. So here you have it, the fund will go broke yet this year but no one in Congress or the president has the intestinal fortitude to state the obvious that the tax must be increased with all funds for construction and maintenance.—Jack B. Walters, Tucson Witness the Americanization of Putin clamoring for celebrity top billing in New York City. Of course Russia needs to keep the Baku pipeline open and all the world’s stock markets will now begin to thrive. Who do they think they’re still fooling? Boys will be boys.

For all the meetings, negotiations, opinions and complaints, why is there such a big hole in the pronunciations that the three little letters o-i-l most importantly are still so obviously missing? Do all the big brains still think the little people are stupid? Well, maybe so, after all you still don’t know it’s still all about the oil.

What? I just heard there are only about 50 people in Congress who are holding the other 300 as hostages? What bullies.

Are you really going to allow them to get away with it? God help America, and God help you as a citizen if you

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don’t speak up and complain. And God help those 50 who help to send the country over the cliff.

The war of the political egos has got to end immediately and anyone who votes to send this country over the financial cliff should be immediately arrested as a traitor, a traitor, as a traitor.

What happened to the old restrictions about showing people on television smoking and drinking? What happened to those rules? Now you watch everybody mixing a cocktail, slugging down the beer and the wine, and even teaching kiddies how to make kiddie cocktails.

Greed, greed, greed.

Hey angry Republicans, you don’t like Obamacare? Well then just give us the people the same kind of wonderful insurance you have for yourselves! How about that one? That would be a change. Get over who’s in the White House. You’re ruining America for your greed, greed, greed and you all know it.

Please, friend, define the Affordable Care Act and tell me how much it’ll cost me per month for insurance. Oh you can’t?

Then why are you fighting over the use of one word for? Obamacare? What’s it all about? It’s about politics and ego and nothing more than that. Believe it or not.

I have advice for any crooked licensed contractor. If you botch a job, you should botch it so badly that the homeowner has to call for emergency repairs.

Provided another contractor has to run to straighten out the mess you’ve caused, you are home free, because the Arizona Registrar of Contractors will refuse to take action on your license. In December 2012, I engaged an ROClicensed contractor to install a Talavera sink in my bathroom. In January 2013, the contractor successively cracked two perfectly good sinks during attempted installations. Both times, he asserted that the sinks—not his work—were

defective; and both times, he left the plumbing leaking. After the second installation, he returned at my request several times; each time, the plumbing leaked worse when he departed. I could not afford to pay a water bill for a leak of the magnitude he left in his wake, so I called a licensed plumber and got the leak corrected. In the end, the job that was supposed to cost around $250 and take a few weeks, took months to complete (because of having to shop around for a suitable Talavera sink), and cost me more than $800. I duly complained in writing to the ROC in May 2013, and followed up with phone calls. After dithering for months, the ROC issued its determination that it will not pursue a complaint if the aggrieved homeowner has had to get another contractor to correct an incompetent contractor’s prior work. The ROC has cited an Arizona statute to this effect, ARS 32-1155.C.2. The Arizona Auditor General should investigate the ROC for applying statutes in a purely stupid manner and for excessive delay in investigating complaints. No one can go for months without a working bathroom sink, let alone one that leaks two bucks a day. The ROC is another of many, many examples that could be cited for the proposition that Arizona government is broken and that any objective of serving the needs of the tax-paying public—if indeed any agency of our state government ever entertained such an objective— has become a fairy tale. No wonder trade journals are filled with ads for handyman services which bear the wording, “Not a licensed contractor.”

Given the ROC’s indifference and incompetence, the public is well aware that an ROC license is no assurance of competent work, let alone of consumer protection.

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page 52 : : Lovin’ Life After 50 : : October 2013

t’s 9:30 in the morning, but the air is still cool. Nevertheless, I’m slathered in sunscreen and dripping with insect repellant. In other words, I’m ready to meet some alligators on a trip that will take my husband and me from Georgia’s Okefenokee Swamp, the largest blackwater swamp in North America, to Florida’s Everglades National Park, a UNESCO International Biosphere Reserve as well as a World Heritage Site.

how to tell an alligator from a crocodile (It’s all in the teeth; a croc’s lower teeth overlap his upper); to judge the reptile’s length (Estimate the distance between the eye bumps and snout bump; that distance in inches pretty much equals the gator’s length in feet); and to escape one that’s chasing you. “Climb a tree, run in zigzags, or...” Chip laughs heartily… “outrun your friend!”

It’s obviously a good day for alligators, but even on gatorless days, there’d be plenty to see. The swamp is home to a large variety of other reptiles, as well as amphibians, fish, mammals, butterflies and more than 230 species of birds, including egrets, herons, ibis, sand hill cranes and red-shouldered hawks.

Chip puts the boat in reverse so we can better see a soft shell turtle, which instantly submerges to avoid us. No problem. Chip heads toward a flooded forest, where, he says, we’re likely to see a snake.

“Most, but not all, poisonous snakes have cat-shaped eyes,” he tells us.

Okefenokee Swamp Along with a dozen other passengers, we climb into a 24-foot flat-bottomed boat and set out through water that’s the color of strong tea—a result of tannic acid caused by decaying vegetation. At 10:08, we spot our first alligator. At 10:12, there’s another one, and then another. At 10:32, one leaps out of the water, arcing in front of us.

“Sometimes they leap 6 feet into the air,” says our guide, Chip Campbell, owner of Okefenokee Adventures. It’s a fact I find most disconcerting.

By this time, the gators are appearing every two, three minutes. There’s one over there, curled in the grass, gazing at us with steely eyes. And that log over there...It moved! I stop counting when I realize I may be tracking fallen trees as well as prehistoric reptiles.

In short order we become mini- A boardwalk along the Anhinga Trail in Everglades experts on alligators. We learn National Park makes wildlife viewing accessible to all.

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A cormorant spreads his wings before diving into the water for his dinner.

Since I have no intention of getting close enough to a snake to see the shape of its eyes, I dismiss this piece of information as superfluous.

I’m more interested in learning about the medicinal properties of various plants—spotting those that will repel insects, relieve depression, grow hair and clean hands. “But there’s no remedy for folks who get their hands eaten while plucking plants,” says Chip, and I decide to stick with the pharmacy for my medications.

By 11 a.m., as another gator glides by, we’ve seen so many that we’ve become blasé. We turn our heads but don’t rush for our cameras. Our memory cards are full, but even without more photos, we know we’ve had a trip we’ll never forget. www.fws.gov/okefenokee; www.okefenokeeadventures.com

farther away and during much longer expeditions.

We get about 10 feet down the path when a giant black bird with a yellow bill hops on the rail in front of us. He’s waving a small fish in his mouth. We stand mesmerized for several minutes while the cormorant shakes the fish into submission, positions him in line with his throat and swallows him whole.

A few feet farther, a large osprey spreads his wings, his white upper feathers looking like a fringed cape against the black background.

We turn left along a nice plank pathway. With the water undisturbed by a moving boat, dozens of alligators sun in peace, some half submerged, others happily snoozing in the roots of swamp trees, others completely visible.

The boardwalk makes a stable resting place for tripods, and there seem to be more photographers than gators or birds. Yet the mood is serene. Despite the manmade conveniences, we feel at one with nature.

Everglades National Park It’s a seven-hour, 385-mile drive from Okefenokee to the Everglades, and I didn’t want to go. When I read www.nationalparks.org/explore-parks/ that the best way to see the alligators is to walk along a 0.8-mile boardwalk, I everglades-national-park turned up my nose. After all, I rode in a low-lying boat through a swamp in Georgia, so why would I want to peer down at gators from a raised walkway? So tame. So tacky.

I was wrong. Everglades National Park is nature at its most convenient and abundant. A one-hour walk along the Anhinga Trail lets us get up close and personal with more alligators and birds Rental boats are available for folks who want to explore than we’d seen from Okefenokee on their own.

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That’s ALOHA 480-452-2667 Thank You!

page 54 : : Lovin’ Life After 50 : : October 2013

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Check your type of payment and mail to: Lovin' Life Newspapers 3200 N. Hayden Rd. Suite #210, Scottsdale, AZ 85251 • Call 480-348-0343 Name: Address: City/State/Zip: Telephone #: Email: o Check/Money Order o Visa o MasterCard o American Express o Discover Acct# _________________________________________________ Card Exp. ____ / ____ /____ CVV#________________________________ Signature ______________________________________ ClASSIFIedS InFoRmAtIon Please check desired circulation: o Tucson

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$15 first 30 words. 25¢ per word thereafter Start Issue: _______ End Issue: _______ Check one: o Classified o Friendship Ad to Read: ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ (30) ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ How do I Answer a Friendship Ad? Compose your response and address it to: Drawer # ________ Lovin’ Life Newspapers, 3200 N. Hayden Rd., Suite 210, Scottsdale, AZ 85251

www.lovinlifeafter50.com

MOBILE/MANUFACTURED HOMES FOR SALE HOME FOR SALE – ONLY $4,500 Newly remodeled, 2Bed/1Bath Mobile Home, Central AC, porch, awning, shed, fully furnished, pet friendly 4-star resort close to shopping.

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East Valley Please Call Terry Heyl: 480-213-1366 POOL SERVICES POOL VALET LLC CLEANING & REPAIR Are Professionalism, Customer Service and Innovation important to you?

Then call Scott to schedule an appointment or to discuss your individual POOL CLEANING or REPAIR NEEDS. Call: 602-273-6800 or Visit: www.myPoolValet.com

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MUSIC INSTRUCTION EAST VALLEY GUITAR LESSONS Start playing songs fast using a common sense guitar instruction for all levels. Customized lessons teaching how to tune a guitar, play chords cleanly, strum in time, learn entire songs, solo at jam sessions and even write your own music.

Multiple learning formats for faster results. Flexible scheduling to accommodate busy schedules.

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BY EXPERIENCED ATTNY Low Prices – Wills, Trusts, Miller Trusts, Long Term Care, Probate, Medicare FREE estimate call: D’Jean Testa, Esq. at: 480-962-8248 PROPERTY CARETAKERS BUSY AS A B PROPERTY CARETAKERS Serving the valley since 2003 From 24/7 emergency contact, checking on your home as often as you need, cleaning, handyman services and much more!

Check us out on Angie’s list or just call 602-377-4265

REAL ESTATE BEST BUY HOT LIST Reveals 10 best buys in your specific price range & neighborhood.

Pre-Recorded Message 1-800-611-4781 ID#1040 Realty One Group – not intended to solicit properties already listed for sale.

REAL ESTATE SERVICES HOMESELLERS Find out what the home down the street sold for.

Free computerized list of area home sales & current listings.

Free Recorded Message 1-800-611-4781 ID#1041 Realty One Group – not intended to solicit properties already listed for sale.

RENTAL SHARE FOR RENT Share house with senior lady.

Non-Smoker, Non-Drinker Senior male preferred. $450 per month Glendale Area 623-930-1172 SERVICES ENOS KING-LEWIS II, AGENT Guide, Producer A to Z Businessman Wellness – Prosperity Fun Trips enos4homes@hotmail.com 800-824-1450 (Call 24/7) www.Enos4Prosperity.com TRANSPORTATION SERVICES JACK’S TRANSPORTATION For Your Transportation Needs In business over 15 years 10 minutes early is “on time” Airports, date night, doctor appointments etc.

We Service Mesa Gateway 602-770-4648 VEHICLES WANTED

WANTED TO BUY CA$H PAID! WE BUY DIABETIC TEST STRIPS Unopened/Unexpired CALL NOW!!

480-269-3289 TOY TRAINS WANTED Collector pays cash for toy trains.

Call Terry 480-969-6056 WANT TO PURCHASE Minerals and other oil & gas interests Send Details to: PO Box 13557 Denver, CO 80201 WE BUY LIFE POLICIES For a Cash Settlement Contact Ben The Reliant Group Inc. 1-800-457-2315 FRIENDSHIP ADS

DRAWER LL1087 Single white lady 77 plus and slender ISO man N/S, N/D who is seeking a long term relationship. Enjoy activities in AZ and dining out. I live in Glendale. Looking forward to hearing from you.

DRAWER LL1223 SWF wants to meet a man who shaves regularly dresses in clean clothes, is fairly intelligent and has a sense of humor. No phone interrogations. Statistics unimportant. Life is short and there is too much to learn, see & enjoy.

DRAWER LL1244 SHM 5’9”, retired, financially secure, ISO nice woman 45-60 for LTR. Must love music and have a sense of humor! Looking for someone to see the world with. Me – I’m not perfect, but I have a lot of love to give! Give me a chance!

DRAWER 9791P WIDOWS AND WIDOWERS CLUB Come join us for lunch the last Wednesday of each month.

Black Bear, 6039 W. Bell Rd. at 11:30 am Call 602-843-0404 GREAT WAY TO MEET NEW FRIENDS

DRAWER LL1253 Too old to play games and young enough to enjoy life. WWF youthful, 70’s, attractive, educated, European origin seeks companionship of compatible gentleman. Will appreciate letter with picture – Thanks! Scottsdale Area.

DRAWER 9792P DIVERSITY SINGLES CLUB (AGE 60 PLUS) Meets Mondays 8:00am at Golden Corral Restaurant, 1868 N. Power Rd in Mesa for breakfast Prospective Members Welcome!

DRAWER LL1269 New York Central Widow would love to meet a great gentleman.

Educated, well groomed who loves the outdoors, fishing, sports, music, theatre, animals and kids.

I’m 5’2”, 120lbs, Blonde in my 70’s, healthy, pretty and sweet.

Write to me!

DRAWER LL1067 Lonely love-starved older man seeking lonely love-starved lady of any race for LTR with intimate benefits – soon. Good character & N/S a plus! Please write – photo appreciated.

DRAWER LL1440 Mesa has a hidden treasure….ME! DWF, NS, Petite – 60’s Re-Wired vs. Re-Tired Statistics ARE important!

Send photo A plus for Engineers, Construction Careers, Air Traffic Controllers & Ranchers.

BBQ’s, golf (maybe), hobbies and quiet mornings.

Sorry, no Bridge players, y’all are a bit goofy!

DRAWER LL1427 I don’t want wild crazy love, but I do want from a regular, normal, NS W Male soft sweet hugs & kisses with kindness, caring love, affection, honesty & lots of laughter.

DRAWER LL1354 This is not a fantasy ad stating all my credentials, using small letter characterizing what I do not want or want in a relationship. I am writing from my heart, seeking a congenial person to love and respect and receive the same. I love life and embrace the adventure of life with lots of love & kisses. WWF, 5’4 ½”, fluffy figure, expressive blue eyes, kissable lips, hair like the moon.

DRAWER LL1403 Financially secure Scottsdale widow ISO senior widower or single WM, 5’9” or more to enjoy remaining years doing things seniors do: Birding, star-gazing, moon watching, learning to love again. Life is short; let’s meet for lunch, coffee or whatever. I will anxiously await your reply.

DRAWER LL1416 SWM 62 ISO Female about 45-65, one that likes a dry sense of humor and at other times a bit on the raw side, but both can produce belly laughs – LTR. I’m 5’11”, blue eyes, about 180lbs, light brown hair & goatee.

Mesa or Apache Junction area Hmm. DRAWER LL1425 Single Senior, BF, NS, ND ISO active male senior with same attributes to enjoy life and living. Enjoy travel, music, dancing, movies, concerts, and some sports. Reply with phone number.

DRAWER LL1441 WWF, 58, blonde hair with nice figure, NS, very active and always on the go ISO European man with an accent, NS, 50-60 who is very generous, likes to shop, sight-see, fish & knows how to eat! Must be an animal lover.

Please include phone number.

How do I Answer a Friendship Ad? Compose your response and address it to: Drawer # ________ Lovin’ Life Newspapers 3200 N. Hayden Rd., Suite 210 Scottsdale, AZ 85251 October 2013 : : Lovin’ Life After 50 : : page 55

Booths Selling Fast for the Expo!

A Partnership of Experience and Value This year, for the first time, Lovin’ Life After 50 and East Valley Adult Resources have joined forces in a partnership designed to bring additional value to companies and organizations with a need to reach the East Valley’s after-50 market. Together, these two organizations will host the 2013 Healthy Living Expo on November 21 at the Mesa Convention Center.

SENIOR EXPO

FIND NEW CUSTOMERS AT OUR EXPO! Booths will sell out... Reserve Yours Today!

EXHIBITORS • HOURLY DRAWINGS • ENTERTAIN MENT

FREE

THURSDAY, NOVEMBER 21st 8am–Noon MESA CONVENTION CENTER

Presents:

EAST VALLEY

Healthy Living

Arizona’s longest-running expos for the after-50 market Lovin’ Life After 50 • www.lovinlifeafter50.com

Phone: (480) 348-0343 • Fax: (480) 348-2109 3200 N. Hayden Rd. Ste. 210 • Scottsdale, AZ 85251

page 56 : : Lovin’ Life After 50 : : October 2013

THURSDAY, NOVEMBER 21, 2013

MESA CONVENTION CENTER 8AM - NOON

www.lovinlifeafter50.com

T HE F INISH L INE Arizona’s Leader in Senior Fitness Healthways Shows ‘Age of Champions’ Statewide

H

Racewalk Clinic Returns Oct. 11

S

ummer has come to an end, so Ellie Kallal will begin her racewalking clinics again. The next clinic is 10 a.m.

Friday, Oct. 11, at Steele Indian School Park in Phoenix.

Kallal is a medal-winning racewalker with years of experience in the Arizona Senior Olympics. The clinic is for those who want to learn to walk efficiently and avoid injury, but to increase their workout. Attendees will learn the basic rules of racewalking, as used by the Olympians, as well as how to improve technique and simply get a better workout when walking for exercise.

Attendees should enter the Seventh Street entrance to Steele Indian School Park. The entrance is located just north of Indian School Road, on the west side of Seventh Street. Wear comfortable clothing—preferably shorts—and flexible running shoes.

Walking shoes are too rigid. Attendees are urged to bring water. The clinics are on the second Friday of the month. The hour changes according to weather so that walkers will be cool, without being cold.

For reservations, call Ellie Kallal at (480) 980-3366 or email ellie.kallal@ cox.net.

www.lovinlifeafter50.com

ealthways Silver Sneakers, sponsors of the Arizona Senior Olympics, is showing the documentary film “Age of Champions” throughout the state during the fall months. In September, this popular film was shown in Prescott, Kingman and Yuma to very enthusiastic audiences.

In October, Age of Champions will also be shown in the following locations: • 10:30 a.m. Friday, Oct. 4, at Goelet AC Beuf Community Center in Phoenix

2013 Sponsors

• 6 p.m. Tuesday, Oct. 8, at Peoria Performing Arts Center in Peoria • 2 p.m. Wednesday, Oct. 9, at Via Linda Center in Scottsdale If you have not yet seen this excellent film, plan on attending one of the showings listed above. It’s free, and it might just change your life.

For more information, call the ASO Office from 9 a.m. to 4 p.m. Monday through Thursday, or visit www. seniorgames.org.

Going Once! Going Twice!

Sold For ALFF! ::by Tom Stillwell, ALFF Board Chairman he Arizona Lifelong Fitness Foundation is seeking donations for our new eBay auction project.

The board of directors has launched a project that will be a year-round fundraising effort. We are seeking items that we can put up for auction on eBay, and we will, of course, provide you with a receipt for the fair market value or the eventual selling price, whichever is greater!

Be assured that every cent received for your donation will be used to support the programs of the Arizona Lifelong Fitness Foundation, whose primary program is the Arizona Senior Olympics. You’ll be helping to

T

promote fitness education, activities and competitions for people who are 50 and better.

Because of the time and effort involved in managing the auction, we are limiting our auctions to items worth $200 or greater. You can drop off your donations at the ALFF offices at Seventh Avenue and Indian School Road, mail them to us, or contact us to arrange pickup! For information, call (602) 274-7742.

Watch this space in the future for details on how to locate the ALFF Storefront on eBay, and maybe you can also support us by bidding on someone else’s donation!

The News in Brief

I

n the winter of 1891-92, a Canadian physical education instructor, James Naismith (1861-1939), invented the sport of basketball to provide indoor exercise and competition for his students between the end of the football season and the start of the baseball season.

Follow us!

He was an instructor at the YMCA Training School (now Springfield College) in Springfield, Mass. In 1959, he was voted to the Basketball Hall of Fame, located in Springfield (its official name is the Naismith Memorial Hall of Fame).

The Finish Line Newsletter is produced by Arizona Senior Olympics, founded by:

in partnership with the cities of Chandler, Glendale, Mesa, Peoria, Scottsdale, Tempe and the communities of Sun City, Sun City West, Sun City Grand

Arizona Senior Olympics P.O. Box 33278 Phoenix, AZ 85067-3278

602-274-7742

web site: www.seniorgames.org

October 2013 : : Lovin’ Life After 50 : : page 57

www.seniorgames.org

Central Village Brings Communities Together

C

entral Village will be Phoenix’s exciting new choice that will enhance lives as we move through the many stages over 50! Central Village is not a place, but a way of life where members enjoy and support each other through sharing their abilities, talents and experiences by actively exchanging those gifts in cultural and social activities, and practical daily living support (rides, yard work, grocery shopping, etc.)

The Central Village’s target area is Indian School Road to Glendale Avenue, Central Avenue to 19th Avenue and will be coming to this area in late January. The village is based on two successful models called Villages and Time Exchange (or Banks). There are villages and time banks all over the country, but there are none in Phoenix.

Villages are membershipbased organizations that provide services as people age in their homes. A Time

Exchange is a cycle of reciprocity that values all time as equal. Time Exchange is the idea that everyone has something of value to contribute. When we share our time and talents we invest in relationships and respect each others’ ability to be both givers and receivers, which enriches the community. The Time Exchange is a way of bringing the community together, allowing us to recognize our interdependence.

It’s a way to meet your neighbors and give back to other by doing something you enjoy! If you live in this area and would like to be a part of developing this exciting new village, contact (602) 279-5539 or plucking@allsaints.org.

Getting the Maximum Benefit From Your Medicare Advantage Plan Take advantage of everything your plan offers to achieve optimum health and well-being

By Dr. Mark Kiffer, Medical Officer for Humana’s Desert Pacific Region f you’re one of the 14 million plans place a strong emphasis on Americans enrolled in a Medicare preventive health care services Advantage plan, you already know that help keep you healthy, detect that your plan covers hospital stays, diseases at an early stage, and avoid doctor visits and other major medical preventable illnesses. That’s why we needs. But are you aware of the encourage you to schedule regular additional benefits and features that health screenings fully covered by your plan offers? your Medicare Advantage plans, Being familiar with your Medicare as well as an annual medical exam.

Advantage plan will not only help you These screenings can help your maximize the value you are receiving doctor catch things early when in benefits, but, in many cases, it will they’re easier to treat. also help you achieve better health and well-being.

• Care Management: If you are living Here are five important ways with a chronic condition, such you can take “advantage” of your as diabetes or heart disease, Medicare Advantage plan. what educational programs and support does your plan offer?

• Preventive Care: Medicare Advantage

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page 58 : : Lovin’ Life After 50 : : October 2013

ASO Hosts ‘Make a Difference Day’ Challenge

D

o you believe that exercise is good?

Do you feel like being active has made your older years better?

Do you understand that older seniors have a harder time as they age?

If you believe any of these things about being active in your older years, we hope you will take part in our Arizona Senior Olympics’ “Make a Difference Day” Challenge.

Arizona Senior Olympics is challenging every Senior Olympian to share the gift of an active lifestyle with someone they know who is not active.

Here are some ideas: • Invite someone to play a round of golf.

• Teach someone to play pickleball.

• Ask someone to go bowling.

• Take someone for a walk.

• Ask someone to play table tennis or badminton with you.

• Do what you love to do as a Senior Olympian and get a sedentary senior to do it with you!

After your outing, encourage your ex-couch potato friend to continue to Some Medicare Advantage plans offer personalized, telephonic care management, health coaching, education and support provided by registered nurses and other health professionals. These plans also offer a toll-free help line where you can speak with a registered nurse about your health concerns anytime.

• Wellness Programs: Many Medicare Advantage programs offer fitness programs at no extra cost and, in some cases, even include a fitness center membership. Through your health plan you may also be eligible to participate in exercise classes specially designed for older adults.

• Immunizations: Flu and pneumonia shots are another important part of your covered preventive care, since people 65 and older are at greater risk of serious side-effects of these common illnesses. Because

join you regularly in an active sport that will get them off the couch and into fitness.

Between Oct. 27 and Nov. 8, Arizona Senior Olympics will be accepting stories about your experience in getting someone started on an active lifestyle.

Write about it and send in pictures if you like! Send your story (no more than 600 words please) to: Arizona Lifelong Fitness Foundation P.O. Box 33278 Phoenix, AZ 85067-3278 The winner will receive a T-shirt with “I Made a Difference” embroidered on the front, and both the winner and the ex-couch potato will receive a free registration in the 2014 Arizona Senior Olympic Games. this year’s flu season was one of the worst in recent years, make sure you are up to speed on your shots.

• Community and Financial Resources: If you have limited financial resources, you should be aware that there are plans available that provide extra services and lower plan costs for low-income beneficiaries, along with additional choices and benefits. If you qualify for both Medicare and Medicaid you may also be eligible for significant support and assistance from the government. If you’re not sure, visit medicare.gov, or call 1-800-MEDICARE. These are just some of the benefits and features that can help you maximize your Medicare Advantage coverage and improve your health and well-being. Be sure to take a look at your health plan today to make sure you’re getting the most from your plan.

www.lovinlifeafter50.com

www.seniorgames.org

Robin Hood Archery Tournament Nov. 9

A

rchery Commissioner Angie Sullivan has announced that the popular Robin Hood Tournament will be held this year on Saturday, Nov. 9, at Papago Park Archery Range.

Check in is set for 8 a.m., but advanced registration is required by visiting www. seniorgames.org.

The following disciplines will compete: Olympic Recurve, Bare Bow Recurve (no sights), Compound/ Release, Bare Bow Compound (no sights) and Compound Fingers.

Registration has begun. This is a popular meet in a beautiful setting so archers are urged to register early. This meet is held in cooperation with the Papago Pita Archers and those who are interested in learning about archery or are beginning archers are welcome to attend.

www.lovinlifeafter50.com

q Yes, I would like to be a friend of Arizona Senior Olympics Send your tax-deductible contribution by check, money order, credit card or go online to www.seniorgames.org.

Amount Enclosed $ I am paying by q Check/Money Order qVisa qMastercard qDiscover qAmerican Express. You will be charged by Senior Games Payment Services if paying by credit card. If paying by check, please make it out to the Arizona Lifelong Fitness Foundation.

Credit Card. #: Expiration Date: 3 digit code on back of card: Name as it appears on your credit card: Address: City/State/Zip: Signature:

Mail to: Arizona Lifelong Fitness Association P.O. Box 33278 Phoenix, AZ 85067-3278

October 2013 : : Lovin’ Life After 50 : : page 59

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