LLAF-Phoenix-Nov 2013 by Times Media Group

www.lovinlifeafter50.com

Phoenix Metro November 2013

Financial Issue 2013

Game Changers Through SCORE, retired business professionals keep their â&#x20AC;&#x2DC;brains in the gameâ&#x20AC;&#x2122; by mentoring young startup owners. But how much has the game changed? : : by Jimmy Magahern

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Game Changers page 24

opinion

6 6 7 9 10 11

Sound Off The Curmudgeon The Up Side The Widow’s Corner Ask the Old Bag Bear Market Report

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credits

publishers Steve T. Strickbine Steve Fish executive editor Shanna Hogan managing community editor Christina Fuoco-Karasinski features editor 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 Tracy House

© 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.

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opinion Sound Off

I live in Sun City. I’m handicapped and Michael Grady’s column describing five books that changed his life is probably going to make my whole winter. The volunteer will look for these books. Instead of sitting here looking out my window feeling sorry for myself, I’m going to read the books Michael Grady suggested. I wanted to thank him for that. That’s all. Thank you Michael Grady! They’re looking for “The Grapes of Wrath” for me now in their computer. What a great article by Drew Alexander and so true of the double talk espoused by the well-trained politicians. Reminds me of a book I read years ago named “When in Doubt Mumble.” I researched it the other day and it is still available at Amazon and probably eBay. I think of one section that had three columns of many listings of a few words in each column. The idea was that you could take any listing from column one and any listing from column two and any

listing from column three and make a statement that politicians use to skirt any issue. Thought maybe Drew had written the book.—Al Furr At 65, I remember Vietnam and subsequent wars, even a tad bit of Korea. Korea, Vietnam, Iraq, Afghanistan and now Syria—all civil wars. I’m conservative, served in the Army, and we were wrong in each case to get involved. Obama is determined to kill off American soldiers, often denied jobs in civilian life to make way for third world immigrants. A man who commits our military overseas, but refuses to defend our borders with troops? A man, who refuses to give FEMA aid to 19 firemen killed, but made a prior trip to Africa and gave millions? Just whose president is he anyhow? Oh yeah! God bless America.—Kurtis C.A. Wolf, Glendale The commercialism on our most popular form of entertainment television has become intolerable. Society has become a marketplace! During a recent episode of “Dancing with the Stars,” viewers were made to tolerate advertisements for 67 products. (Yes, I counted them.) Ridiculous! Boredom

The Curmudgeon The Devil is in the Debt

: : by Drew Alexander

oo bad kids aren’t taught Economics 101 at an early age. I don’t mean the kind of Econ class of my college days when a bowtied professor wearing horn-rimmed eyeglasses dispensed the equivalent of verbal and visual Ambien with his charts, graphs and intricate economic theories. My immigrant father, who did not finish high school, became a successful businessman during the Depression yet, who had his own “two pocket” financial management system. The cash in his right pants pocket was to pay bills; what remained went into his left pocket and was his to save or spend as he wished. He never spent more than he made and had no credit cards. “Only go into debt for something big, such as a house,” he told me. “For

all your other needs and wants, pay cash.” Today’s college students have shaken hands with the debt devil to pay for a higher education. When they hit the employment bricks, they will be saddled with an average debt of $26,000 owed to federal student loan programs, in addition to any family loans and credit card balances. Aside from starting a career in the red, many graduates will have further shortchanged themselves by investing years of their lives majoring in such glorious fields as paleoclimatology, music therapy, and prehistoric cave art. Nowhere is the debt devil more at home than with the federal government. The evil spirits of spending have proliferated from decade to decade, one administration

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

changed to anger when some very exciting dances by professional dancers were pre-empted with ads. These dance presentations were blocked out in order to squeeze in more commercials. Viewers need to rebel against this sort of advertising. We pay big bucks for TV sets and overpriced fees for service, but we are forced to tolerate constant advertising.—Gwen C. Niemi Apparently it’s only taken 5 million years for the so-called civilized nations of the world to finally face the fact they have one

common enemy and its name is “evil.” Thank you for print and the United Nations finally waking up. It’s Wednesday morning and I just got a copy of the paper. O-M-G. I can’t believe you printed the majority of my grandma phone calls. I was sounding off so much in September. It’s also one great birthday present for my 87th birthday on 9-29-26. Thank you, my scrapbook is stuffed. Thank you to all the people who pick up on what I rave about. It’s ...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

through another, piling up a national debt that is predicted to reach $24.5 trillion by 2015. This may sound like mere numbers, but they carry a foreboding message: When a country’s debt reaches 100 percent of its Gross Domestic Product output it is officially bankrupt. There is no excuse for this downright felonious mishandling of the public treasury. You and I, the voting citizens, must accept a large portion of the blame for sending people to Washington, from the president on down, who are incapable of managing anything but their own self-interest. Too many politicians ignore the highly corrosive effects that excessive debt and deficit spending have on the nation, feeding their personal agendas at the expense of the fiscal health of the republic. This reckless betrayal of the public trust has spread across America like a metastasizing cancer, bankrupting cities from San Bernardino, Calif., to Camden, N.J.. Detroit, Mich., the onetime prosperous automobile capital

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

of the world, is a withered insolvent vine of its former self after decades of failed Democratic Party rule and policies. While I have some issues with the Republican Party leadership, the most financial harm inflicted on the country has been by the Senate Democrats and a petulant, imperious president who insolently refuse to reduce any spending whatsoever. For the wealthiest nation on Earth to be drowning in a sea of debt is an ungodly perversion of the wisdom and common sense that founded this country. To paraphrase famed American clergyman Henry Ward Beecher, “A government debt is the devil’s salary.” 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.

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The Up Side

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t was a mournful moment, My spirits were brought low, When my old push mower Sparky Breathed his last, one week ago.

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I rolled him out the driveway To stoke his mighty roar And decapitate Bermuda, As he had, since ’94. But when I yanked the chain That sets his throttle open wide, Old Sparky clucked and shuddered, Gakked a grassball up, then died.

Spark

Like Chubby Checker did I twist, ‘Til hips and rump were sore. But the Terror of the Tall Grass Would cut fescue blades no more. Once cowboys mounted horses, To take the West in hand. Conestogas, plows and railroads Helped domesticate this land.

y, 1994 -2013

His blades, they swung like sabers, His vent spewed grassy breath. His noise blocked Steve, my neighbor, Whose chatter bores like Death. His face was grease and clippings. His roar was wild and free. I thought he’d outlive grass itself, But this was not to be.

Ask the Old Bag

But its spirit stays unmastered. And when attentions slack, The Devil sends out grass and weeds To take this country back.

In sad procession to the Dump Was Sparky’s frame conveyed. While the grass stood at attention, As if to say, “well played.”

Advice for the What blocks their grim resurgence? Crowd Over-50 This weedy kingdom of the dark? In our cheaply crafted era,

Mower-pushing fogies.: : by Gayle Guys like me, and my old Spark. ear Old Bag: I am a 68-yearold retired widow. I had so one son No o’ergrown yard e’er stood tall. who recently died suddenly. He had His wheels could not bestride. no children. I have noyank closethe relatives. A foot atop his engine, cord, IAnd feelthen like we’d my life is over. I wake up ride. in the morning and I say, “Is this all there is?” I used to the think my husband We’d rumble ‘cross untamed land and I would retire and have ‘tween porch and flowerbed, 20 good years together. Wedandelions had planned well, Encounter brazen and secure...but for And Ilopam off financially all their heads. what? For this? The best laid plans...I suppose you are going to tell me to get When Texas crabgrass struck off my bottom and do something. Our lawn, infesting hill and gulch,Well, go ahead, tell ame. I need something. Sparky roared hearty: “Hey y’all!” Signed, It’s Over ‘fore turning them to mulch.

earthe Over: I was going to tell He kept creeping green at bay, you to where get off we thetrod. pity potty, but And leveled on second thought, I am going to He squared me with the HOA: suggest you get into a The Long Beige Arm of grief God. support group. Your son died recently, and you need support for that. Grief is a www.lovinlifeafter50.com strange thing. You cannot avoid it. You cannot skip it. It is so much better if

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So I honor one who long out-mowed ear warranties. Money: You have many All fact’ry options as I see it: Investigate aMyreverse mortgage program, which new mower’s a plug-in would give you more income while That goes “waaaaa!” insteadnow of roar. you need it. You could rent out one It’s like pushing an electric sheep or two your bedrooms to other seniors. Andoftripping on the cord. (If you do this, be sure to screen your renters Orol’you could sell I cannotcarefully). say I mourn Spark, your home and move to a retirement For if my neighbors saw, community. Another option would I’d be landscaping in padded rooms,be to get a part-time job. Many people Eating pudding, through a straw. are now working into their 70s and even 80s! me know how it And Good so, withluck. evenLet temperment, goes!—O.B. And nostalgia, if not tears,

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I recall my days with Sparky ear we Old Here come And how twoBag: mowed down the the holidays again, and I must face years. my daughters-in-law again, who are always telling meisthey would love to do Michael Grady a Valley-based freelance Thanksgiving and Christmas dinners. writer, reporter and playwright. I am 75 and they are in their 40s, so I am sure they have more energy than I do. However, I have been cooking holiday dinners since I was 16 years

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

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The Widow’s Corner The Upside of Loss

YOUR ACTIVE ADULT JOINT SPECIALISTS!

: : by Terry Ratner, RN, MFA

his is where the past and the future meet. This is after my mother was killed by a speeding car, after my son died in a motorcycle accident, and after my husband passed away from esophageal cancer. It’s years after my father married a woman three decades younger than himself. It’s after I enrolled in graduate school to earn an MFA in literary nonfiction. It’s when I began to heal by writing about loss. This is before Richard, my boyfriend, before Kai, Sawyer, Natalie, Koa and Branson (my grandchildren). This is where my stories come together. This is right before spring in the year 1999. It’s the time I came home after working a night shift on Mother’s Day and found my son waiting for me in his car in front of my house to take me out for breakfast. It’s the time he drove over to my house, loaded up my bicycle in the back of his pickup truck for a day of off-road biking. It’s when he moved two miles away from my Windsor Square home and I was able to ride my bike over to his house in less than 12 minutes so we could work out together. This is the last spring I will spend time with my son. This is the heart. This is, every day, this is. I’ve been thinking about changes we go through after a death. We never know in which direction loss will take us. When my mother died, four months before I graduated from nursing school, I grieved in a way that would make her proud. I graduated on the dean’s list and began working on a medical

surgical unit in a large hospital. All the little old ladies with blue hair became my mother. I treated all my patients as if they were family. After my son died, I began writing and publishing essays about loss, not just the death of a child, but about all losses that are suffered throughout life. The death of my son ended up being the catalyst for a graduate degree in creative nonfiction and a career as a nurse/writer. It also allowed me to travel and speak on the subject of healing as it relates to writing. When my husband was diagnosed with esophageal cancer, I continued to publish the effects of his illness as they progressed. An esophageal cancer support group was established early on from readers who followed my columns. Before my husband died, he turned to me and said, “You have to keep the group going long after I’m gone. It’s so important.” This group, now 5 years old, has since morphed into a cancer group with different presenters each month. When a loved one dies, it’s easy to stay bitter. I know because for a while after my husband died I felt sorry for myself and wondered, “Why me” But luckily that frame of mind didn’t last long. There was too much to do and too little time to accomplish it. As we lose people we love, we realize how short life is and how important it is to work on our goals and accomplish as much as we can within the small amount of time we are allotted.

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

Ask the Old Bag Advice for the Over-50 Crowd

: : by Gayle M. Lagman-Creswick

ear Old Bag: My husband and I just celebrated our 40th anniversary—40 years. I know I should have left him 20 years ago when I realized we were not meant for each other, but I did not. The first 20 years were not so bad. We were raising a family, whom we both love. That gave us common ground. Now they are grown and there is just us—two people who look at each other and wonder if this is all there is. What do I do now? We retired last year to this. Help! Signed, Hopeless

ear Hopeless: First of all, nothing is hopeless, and it is never too late. Take heart. After being married this long, I’d think you would be willing to invest a little more effort into trying to save the marriage. I suggest you try a marriage boot camp or a marriage retreat. If that helps, follow it up with some marriage counseling. If none of this works then you probably need to part company or at least have a trial separation. This should be the best time of your relationship. I wish you the best... let me know how it goes. Signed, O.B.

ear Old Bag: Recently a woman wrote to you telling of her husband who retired just to sit around. You told her to do her thing and give him a year to adjust to retirement. That may work for some, but not my husband. He has been sitting in that recliner for five years and has no ambition to do anything but watch TV sports. This guy used to have a very active life and it kills me to watch him grow old in that darned chair! Any suggestions? Signed, Active Still

ear Active: Something does not seem right. For an active guy to park himself in a chair sounds to me like he may be suffering from depression. Depression takes on many faces. Some people lose their appetite, some eat everything in sight. Some cannot sleep and others sleep all the

time. Most persons who are depressed lose interest in life. I think you should take him to his family doctor. Because some doctors do not pick up on depression, you may want to talk to the doctor before the appointment. There is a high incidence of depression in older people, and it should be brought to light—it can and should be treated. Good luck. Signed, O.B.

ear Old Bag: I am 55 years old and have the job of my dreams. It keeps me busy about 14 hours a day (eight at work and six at home). My husband has a successful business, but he pretty much does it in eight hours. He is always after me to shut down the computer and join him for a drink or to go out. I love this job and I love him, and I don’t know what to do. Signed, Busy and Happy

ear Busy: Many men and women are finding themselves in this predicament, especially because the recession has caused many layoffs. This has left those remaining to pick up the slack. In many cases this is ruining family life. I think you are doing the job of two people, or else you are not very efficient. Let me ask you a question: Would you be so happy doing this job if you were to lose your husband? Because, I believe you are on your way to losing him. There are too many women out there just waiting to have a drink with him and wanting to make him feel good. My mother used to say, “Even the brightest flame will soon grow low, without the air it needs, you know.” My advice is to ask your boss for help. Make sure he knows how much time your job is taking. If he says “no,” then you have a decision to make: my husband or my job. Good luck, 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.

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

Life Feels Richer When You Have Peace of Mind ::by Jody Kozak at Travel Assurance Promise

ost people don’t think about traveling as a risky investment. You spend your entire life saving money so they can enjoy retirement. Expert advisers recommend many options to protect your investments; however, they overlook one critical piece of information: What happens if you experience sudden illness and medical emergencies while traveling? Did you know that more than 62 percent of U.S. bankruptcies are due to medical bills? If you had a sudden illness or medical emergency while traveling, a medical evacuation begins at $15,000 and can cost as much as $200,000. Most health insurance policies and Medicare will not cover travelers outside of the United States. If you purchase travel insurance, does it clearly state what is covered? Most travel insurance policies may only cover the cost to the nearest “adequate facility or lowest economical means.” Policy holders often find themselves stranded in a foreign country, out of their health care network, enduring soaring medical expenses and away from their family. You never want these situations to happen. Understanding your coverage is as important as ever. Having a premium membership with Travel Assurance Promise will provide the coverage you need for

worldwide air medical transportation. If members are ever hospitalized 200 miles away or more while traveling, need air medical transportation, one call to Travel Assurance Promise, and its team of experts handle the logistics to bring you to your hometown hospital. No deductibles, no co-pays, no hidden out-of-pocket costs, and no confusing claim forms. Travel Assurance Promise works with the best team in air medical transportation, the award-winning Angel MedFlight. A premium membership plan starts at $100. If you were to purchase a Travel Assurance Promise annual membership for the next 10 years and only had one air medical transport, it would more than pay for itself. If you or a loved one travel, it is important to have the proper coverage. While you can’t prevent the unexpected, you can be prepared. I can save you valuable time, money and give you peace of mind. Before you book your next thrilling adventure, contact me, Jody Kozak at (480) 5596460 or jkozak@TAPglobal365.com. I will give you the best care you and your family can count on. After all, there is no place like home. For more information on membership plans, visit: www.TAPglobal365.com. Travel Safe. Travel Prepared. Travel Assured.

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Bear Market Report Are Zombies Taking a Bite Out of Your Wallet?

: : by Teresa Bear

ight now with Halloween decorations on sale for 50 percent off, the last thing that you may want to think about are zombies, but today they seem to be everywhere. If you live in a family community, such as I do, you probably noticed lots of trickor-treaters walking around with fake blood dripping everywhere, glazed expressions on their faces and that noticeable zombie gait—limping along with one leg dragging behind them. One of the hottest TV shows is AMC’s “The Walking Dead,” and the season four premiere had an estimated 16.1 million viewers. Locally, downtown Phoenix was overrun by the zombie hordes on Oct. 26. Fortunately, there are ways to protect yourself from zombie invasion. An organization—the Department of Zombie Defense—was formed to help eradicate zombies from Maricopa County. Knowing that the brave men of the D.O.Z.D. are armed and ready for zombie apocalypse certainly helps me sleep better at night. I don’t have to worry about becoming the next victim of a flesh-eating undead zombie grabbing me with their pale, ever-clutching hands. The D.O.Z.D. helps protect our flesh from zombies—but what about our wallets? There may be zombie fees charged by your bank or credit card company. Sadly, the D.O.Z.D. cannot protect you from this menace. You may be wondering “What is a zombie fee?” In a recently published report by the Aite Group, zombie fees are on the list of 11 so-called “Grey Charges” that may be appearing on your credit card statement. I first learned about these sneaky types of fees when I was a child and my younger brother, Darrell joined a record club. He picked out 10 “free” albums and then every month the record company automatically sent the latest album. As a condition of the membership, Darrell was required to buy a certain number of albums during the course of the next two years. The price of the music

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was much higher than the record store prices and the shipping and “handling” costs were astronomical! After much correspondence with the company, the membership was canceled. My savvy mom pointed out to the record company that Darrell was 8 years old and not legally competent. The good news is that we didn’t have to return the ill-gotten goods and were able to enjoy “The Partridge Family’s Greatest Hits” for years to come. These “membership”type fees are still around and the Aite Group study estimates the annual cost to consumers to be $340.8 million. The most common type of grey charge is in the “Free to Paid” type. This is when you sign up for something like “one month free ____” and then you don’t get around to canceling before the free period runs out. Similarly, you may also be hit with auto renewal fees for subscriptions you no longer want or need. Per the same report, the estimated cost to consumers was more than $6 billion. The so-called “zombie” charge is when you thought you had canceled a charge—and, like a zombie—it rises from the dead to eat your wallet. So what do you do to protect yourself from these fees? You treat them the same as real-life zombies: Be aware: Know the terms of service before you sign up for free trials. Be vigilant: Review your credit card statements monthly. Be persistent: Pursue and report unknown charges. The D.O.Z.D. motto of “If It’s Dead—We’ll Kill It!” is appropriate whenever you encounter a financial zombie. 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. Investment advisory services provided by Brookstone Capital Management, LLC., a SEC registered investment advisor. The information in this article describes general guidelines and suggestions for preventing identity theft. In no way should it be deemed as advice for any individual circumstance or situation.

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November 1 Friday The Engineers Club of the West Valley luncheon, 11:30 a.m., Briarwood Country Club, 20800 N. 135th Ave., Sun City West, $18, reservations required, (623) 544-0942, www.engineersaz.com. Dr, Robert E. Farrell, associate professor emeritus from Penn State University, will speak about “Gravitational Propulsion: the Key to Interstellar Travel.”

Admission includes pancakes, sausage, scrambled eggs, juice and coffee. November 3 Sunday West Valley Symphony’s “Birthday Bash of ’13,” 3 p.m., Valley Vista Performing Arts Center, 15550 N. Parkview Place, Surprise, $25, $15 youth; (623) 2366781, www.westvalleysymphony.org. Features the music of Verdi, Wagner and Britten.

November 2 Saturday November 4 Monday

The Sun Lakes United Methodist Church’s “Krafters” Annual Bazaar, 8 a.m. to 2 p.m., Sun Lakes United Methodist Church’s Lindsay Hall, 9248 E. Riggs Rd., Sun Lakes, free admission, (480) 895-8766. All items are handmade including: wreaths, swags, centerpieces, doll clothing and accessories.

Parkinson’s Disease Treatment Discussion, 10 a.m. and 2 p.m., Mondays in November, Helen Foundation, 105 S. Delaware Dr., Suite 8, Apache Junction, free but reservations required, (480) 389-5431, ernestogallegos01@gmail.com.

Dancing Fashions on Review, 12 p.m., Union Hills Country Club, 9860 Lindgren Ave., Sun City, $25, $175 for tables of eight, $15 for children ages 10 and younger, (602) 788-9556, info@cameofoundation.org. KOY Radio’s Danny Davis emcees the benefit for victims of domestic violence.

AARP Drivers Safety Program, 11:30 a.m. to 3:30 p.m. repeats Dec. 2, Lifeprint Community Center, 20414 N. 27th Ave., Fourth Floor, Phoenix, $12 AARP members, $14 nonmembers, (623) 707-2899. Maintain mobility and safe driving skills with the course developed by the AARP.

Gold Canyon Day of the Cowboy Celebration, 4 p.m., Gold Canyon Golf Resort, 6100 S. Kings Ranch Rd., Gold Canyon, free admission, www.dayofthecowboy.co. Dust off your best Stetson and western wear and join in Pinal County’s top event commemorating the contributions of the “Great American Cowboy.”

Chordial-Aires Women’s Show Chorus Rehearsal, 12:30 p.m. to 3 p.m. Mondays thru April, Our Savior’s Epiphany Lutheran Church’s Friendship Hall, 1050 W. Superstition Blvd., Apache Junction, free, (480) 807-0031. The Chordial-Aires is a friendly group of ladies singing four-part a cappella harmony for more than 18 years.

Craft and Vendor Fair, 9 a.m. to 2 p.m., Love of Christ Lutheran Church’s Center of Compassion, 1525 N. Power Rd., Mesa, free admission, (480) 981-6199, www.loveofchristchurch.net. There will be more than 50 vendors selling a variety of items ranging from Christmas ornaments and lighted blocks, handmade greeting cards, pottery, wood items and more. 2013 Arizona Deaf Festival, 9 a.m. to 5 p.m., Virginia G. Piper Sports and Fitness Center, 5031 E. Washington St., Phoenix, free, www.azdeaffestival.org. Sponsored by Arizona Commission for the Deaf and the Hard of Hearing and Arizona Relay Service, the event features deaf artists, exhibitions, theater, stories, poetry, children’s programs and seminars and workshops. The goal of the festival is to provide cultural diversity of the deaf by integrating art, language, technology, resources, and enterprises. Pancake Breakfast, 7:30 a.m. to 10 a.m., Fountain of the Sun’s Activity Center, 540 S. 80th St., Mesa, $4 in advance, $5 at the door, (480) 380-4000, ext. 204.

“Vial of Life/File of Life,” 2 p.m. to 4 p.m., Fairway Recreation Center, Arizona Room 4, 10600 W. Peoria Ave., Sun City, free but reservations required, (623) 455-5633, www.sunhealth.org. Learn more about two new Sun Health tools providing enhanced access to vital medical information during an emergency. At the end of the presentation, all guests will receive a free “Vial” and “File” of Life. November 5 Tuesday MS Disease Treatment Discussion, 10 a.m. and 2 p.m., Tuesdays in November, Helen Foundation, 105 S. Delaware Dr., Suite 8, Apache Junction, free but reservations required, (480) 389-5431, ernestogallegos01@gmail.com. Bingo, 6:45 p.m. Tuesdays thru April, Fountain of the Sun’s Activity Center, 540 S. 80th St., Mesa, cards on sale at 5:30 p.m., (480) 380-4000, ext. 204. ...continues on page 14

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... from page 12 Eating Healthy for the Holidays, 9:30 a.m. to 16, private residence, 3039 E. Backus Rd., Mesa, free 10:30 a.m., The Colonnade, Recreation Village, 19116 admission, (480) 832-7489, www.kandykanecastle.com. Colonnade Way, Surprise, free but registration required, Local vendors will sell only handmade items for Christmas, (623) 455-5633, www.sunhealth.org. Eileen Reagan, fall and home decor. Other items include fashions, baby service director for oncology at Banner Boswell Medical goods and baked foods. Center (BBWMC), will talk about how to make good food choices to stay healthy and still enjoy festive gatherings. Senior Mixer Dances, 1:30 p.m. to 3:30 p.m.., Peoria Community Center, 8335 W. Jefferson, Peoria, $4, November 6 Wednesday (623) 773-7436. Dance to live music provided by Michael Carollo. The admission includes refreshments and a door Fibromyalgia Treatment Discussion, 10 a.m. and prize ticket. 2 p.m., Wednesdays in November, Helen Foundation, 105 S. Delaware Dr., Suite 8, Apache Junction, “The Basics: Memory Loss, Dementia and free but reservations required, (480) 389-5431, Alzheimer’s Disease,” 10 a.m. to 11 a.m., Sun ernestogallegos01@gmail.com. Health Corporate Headquarters, Community Room, 14719 W. Grand Ave., Surprise, free but registration required, Dennis Rowland Beneﬁt Concert, 7:30 p.m., (623) 455-5633, www.sunhealth.org. Martha B. Burruel, Herberger Theater Center, 222 E. Monroe St., Phoenix, $25 to $75, (602) 252-8497, www.herbergertheater. education coordinator at the Alzheimer’s Association, org. A high-energy evening of music celebrating GrammyDesert Southwest Chapter, leads this one-hour workshop nominated jazz vocalist and Herberger Hall of Fame actor on what everyone should know about memory loss Dennis Rowland, who is recovering from a stroke and cerebral hemorrhage. November 8 Friday AARP Safe Driver Course, 8:30 a.m. to 12:30 p.m., La Loma Village, Sonoran Dining Room, 14154 Denny Blvd., Litchﬁeld Park, $12 AARP members, $14 nonmembers, reservations required, (623) 455-5633. AARP volunteer instructor Robin Mandell addresses rules of the road, defensive driving techniques and tips for safely operating your vehicle. Learn how minor adjustments in your driving can compensate for common age-related changes in vision, hearing and reaction time. November 7 Thursday “Visit with Sam Lowe,” 1 p.m., Lifeprint Community Center, 20414 N. 27th Ave., Fourth Floor, Phoenix, free but reservations by Nov. 5, (623) 707-2899. Come enjoy the wit and wisdom of writer Sam Lowe, who will discuss “Arizona Curiosities”—the unique and quirky aspects of our state.

Bingo, 7 p.m. Thursdays (except Thanksgiving), Sunland O.K. WITH CORRECTIONS BY:___________________________ Village, 4601 E. Dolphin Ave., Mesa, cards sold at 6 p.m., (480) 832-9003. Features $900 progressive pot.

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Chronic Pain Treatment Discussion, 10 a.m. and 2 p.m., Thursdays in November (except Thanksgiving), Helen Foundation, 105 S. Delaware Dr., Suite 8, Apache Junction, free but reservations required, (480) 389.5431, ernestogallegos01@gmail.com. Kandy Kane Castle’s 23rd annual Holiday Boutique, 10 a.m. to 5 p.m. Nov. 7-9 and Nov. 14-

Holiday Bazaar, 9 a.m. to 4 p.m. Nov. 8 and Nov. 9, Our Lady of Joy Church, 36811 N. Pima Rd., Carefree, free admission, (480) 252-1069, (602) 751-8723. The guild’s seventh annual holiday bazaar will offer a large selection of unique items and creations, home-baked goodies, gently used books, breakfast and lunch. Sun City Christian Women’s Club Brunch, 9 a.m., Sun City Country Club, 9433 N. 107th Ave., Sun City, $16, (623) 933-0217, (623) 815-9184. Loyanne Perry of Yuma will discuss “Finding an Anchor in the Midst of a Storm,” while Robin Davis and Karen Birmingham provide the music. Arthritis/Neuropathy Treatment Discussion, 10 a.m. & 2 p.m., Fridays in November, Helen Foundation, 105 South Delaware Dr., Ste. 8, Apache Junction, free and reservations required, (480) 389.5431, ernestogallegos01@gmail.com. Holiday Bazaar, Nov. 8 and Nov. 9, 9 a.m. to 4 p.m., Our Lady of Joy Catholic Church, 36811 N. Pima Rd., Carefree, free admission, (480) 252-1069, (602) 751-8723. With more than 70 hand-picked vendors selling unique and one-of-a-kind items of pottery, jewelry and artwork, shoppers are sure to find something special for everyone on their holiday list. Our Friends of the Peoria Public Library Festive Fall Book Sale, 9 a.m. to 5 p.m. Nov. 8, repeats 9 a.m. to 3 p.m. Nov. 9, Sunrise Mountain Library, 21109 N. 98th Dr., Peoria, free admission, (602) 445-6431, mcelroyc@dcspllc.com. The event features thousands of hardback and paperback books, children’s books, DVDs, CDs, video games, cookbooks, military/history, crafting, business/computing and much more. ...continues on page 16

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... from page 14 November 12 Tuesday Sun City West/Surprise Christian Women’s Connection Luncheon: “Puttin’ on the Glitz,” “A Miner’s Dinner,” 5 p.m. to 9 p.m., Cave Creek 11:30 a.m., Corte Bella Country Club, 22129 N. Mission Museum, 6140 Skyline Dr., Cave Creek, $50, (480) Dr., Sun City West, $23, reservations by Nov. 1, (623) 488-2764, www.cavecreekmuseum.org. Dinner will be 556-8087. The guest speaker is Dr. Maddy Paschal, who patterned after that of a traditional miner’s fare. Includes will talk about “The Perfect Little Girl.” a silent auction. Square Dancing with Bucks and Bows, 7 p.m. to 9 p.m., second and fourth Fridays, Eldorado Community Center, 2311 N. Miller Rd., Scottsdale, $5 members, $6 nonmembers, (480) 949-9406, www.squaredance.com. The State of Oregon Club’s Welcome Back Pizza Party, 4:45 p.m., Sun City West Foundation Quail/ Coyote Room, 14465 R.H. Johnson Blvd., Sun City West, $15 includes $5 annual membership dues, (623) 9337021, oregonsocialclub@gmail.com. This event is open to all who have a current or past affiliation with the state of Oregon or an interest in Oregon. Scottsdale’s Civil War Legacies, 1 p.m., Granite Reef Senior Center, 1700 N. Granite Reef Rd., Scottsdale, free, www.scottsdaleaz.gov/seniors. In an encore Veterans Day presentation, community historian/author Joan Fudala will focus her 2013 salute to veterans on “Scottsdale’s civil war legacies.” November 9 Saturday Sunland Village Pancake Breakfast, 7 a.m. to 9:30 a.m., Sunland Village Auditorium, 4601 E. Dolphin Ave., Mesa, $3.50, (480) 832-9003. Support Group for Caregivers, 10 a.m. to 11:30 a.m., Westchester Senior Living’s Chapel Room, 6100 S. Rural Rd., Tempe, free, (480) 833-8247. The group is for those suffering from the guilt associated with needing help with their aging loved one. Arts and Crafts Fair, 8 a.m. to 12 p.m., Fountain of the Sun’s Activity Center, 540 S. 80th St., Mesa, free admission, (480) 380-4000, ext. 204. November 10 Sunday

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Cave Creek Mining Days, thru Nov. 16, throughout Cave Creek, www.cavecreekmuseum.org. A week-long celebration commemorating the restoration of Cave Creek Museum’s historic “Golden Reef” Stamp Mill that dates back to 1880. November 11 Monday Myron Sommerfeld and His Music of the Stars, 12 p.m. to 1:30 p.m., Sunland Village, 4601 E. Dolphin Ave., Mesa, $12, (480) 832-9714, www.nbea.com/mso.htm Sun Lakes Democratic Club Meeting, 7 p.m., Sun Lakes Country Club’s Navajo Room, 25601 N. Sun Lakes Blvd., Sun Lakes, free with nonperishable food donation to Matthew’s Crossing Food Bank, (480) 895-1378, (480) 895-1162. The guest speaker is Felecia Rotellini, a candidate for Arizona attorney general.

“Stroke of Beauty” Brunch, sponsored by Mesa Women’s Connection, 9:30 a.m. to 11 a.m., Superstition Springs Golf Club, 6542 E. Baseline Rd., Mesa, $13, (480) 830-9136. Brunch will feature a china painting demonstration by JoAnn Growe, and music by Larry and Cheryl Petin. November 13 Wednesday Turkey Trot 5K and Mashed Potato Mile Senior Fun Walk, 8:30 a.m. to 10:30 a.m., Rio Vista Park, 8866 W. Thunderbird Rd., Peoria, $15 to $17, (623) 773-7436. T-shirt, entertainment, breakfast by Peoria Firefighter Charities, gift bag and door prizes are included in fee. East Valley Michigan Club, 2 p.m. lunch (second Wednesday of the month), repeats 9 a.m. breakfast fourth Wednesday, Golden Corral, 1868 N. Power Rd.. Mesa, (480) 986-7085, (480) 610-9864, jilanctot@cox. net. When the group meets, it eats and shares Michigan news. “Monumental Places: Arizona’s National Parks and Monuments Presentation,” 1 p.m., Granite Reef Senior Center, 1700 N. Granite Reef Rd., Scottsdale, free, www.scottsdaleaz.gov/seniors. Join Gregory McNamee, the author of “Monumental Places: Arizona’s National Parks and Monuments,” in exploring the state’s many natural treasures. November 14 Thursday Vladimir Pleshakov, 7:30 p.m., Musical Instrument Museum, 4725 E. Mayo Blvd., Phoenix, $27.50 to $37.50, (480) 478-6000, www.MIM.org. Vladimir Pleshakov will play works by Beethoven and virtuoso gems by Rachmaninoff and Prokofiev on a Steinway concert grand. November 15 Friday Wisconsin Club of SCW’s Welcome Back Cheesehead Caucus and Picnic, 12 p.m., Beardsley Park Ramadas No. 1-3, 12755 Beardsley Rd., Sun City West, $8 members, $10 guests, (623) 476-6856. Lunch will be provided by Texas Roadhouse with entertainment by the Happy Trails Strings and Things acoustic ensemble. “M.A.S.H.” Ballroom Dance, 7 p.m. to 9:30 p.m., Sun City Grand Sonoran Plaza, 19753 N. Remington Dr., Surprise, $10, (623) 556-4059, www.grandinfo.com. Headlining the ballroom tribute will be The Main Event Band, which will play music from the Mobile Army Surgical Hospital era (1945-2006).

Sunland Village Blood Drive, 8 a.m. to 12 p.m., United Blood Service Bloodmobile, Sunland Village Auditorium parking lot, 4601 E. Dolphin Ave., Mesa, call for appointment, (480) 832-9003. November 16 Saturday Myron Sommerfeld and His Music of the Stars, 7 p.m. to 10 p.m., Las Palmas Grand, 2550 S. Ellsworth Rd., Mesa, $8, (480) 357-1148, www.nbea.com/mso.htm. Fulton Ranch Learning Center Fall Boutique, 9 a.m. to 3 p.m., Fulton Ranch Learning Center, 204 W. Chandler Heights Rd., Chandler, free admission, (480) 717-7140. Enjoy a day of shopping from dozens of unique vendors selling jewelry, home décor, apparel, children’s accessories, bath and body products, shabby chic accessories, crafts and more. Sunland Village Communitywide Garage Sale, 8 a.m. to 3 p.m., Sunland Village, Greenﬁeld and Broadway roads, Mesa, free admission, (480) 832-9003. More than 100 homes are participating. “Dresses for Orphans” Gigantic Garage Sale, 7 a.m. to 2 p.m., Apache Wells Community Church’s Fellowship Hall and Parking Lot, 2115 Gayridge Rd., Mesa, free admission, (480) 807-2672. Items can be dropped off or arranged for pick up between Nov. 11 and Nov. 15. Communitywide Patio Sale, 8 a.m. to 3 p.m., Fountain of the Sun, 540 S. 80th St., Mesa, free admission, (480) 380-4000. Maps of the sale locations available at the front gate entrance to community. City of Scottsdale’s Arts & Crafts Fair, 10 a.m. to 4 p.m., Granite Reef Senior Center, 1700 N. Granite Reef Rd., Scott, free admission, www.scottsdaleaz.gov/ seniors/ArtsandCraftsFair. Browse the more than 150 vendor booths that include paintings, photography, wood and ironwork, vintage pieces, holiday crafts and a wide variety of other original artwork. November 17 Sunday John Sebastian, 7 p.m., Musical Instrument Museum, 4725 E. Mayo Blvd., Phoenix, $37.50 to $42.50, (480) 478-6000. Singer-songwriter, guitarist, autoharpist and founder of the Lovin’ Spoonful. November 18 Monday John Sebastian, 7 p.m., Musical Instrument Museum, 4725 E. Mayo Blvd., Phoenix, $37.50 to $42.50, (480) 478-6000. Singer-songwriter, guitarist, autoharpist and founder of the Lovin’ Spoonful. November 19 Tuesday Free Memory Screening, 9 a.m. to 1 p.m., Visiting Angels, 701 W. Southern Ave., Suite 103, Mesa, free but appointments necessary, (480) 833-8247. Visiting Angels is hosting a free memory screening to celebrate National Memory Screening Day as part of the Alzheimer’s Foundation of America’s annual initiative

November 20 Wednesday Little Theater Variety Show, 7 p.m., Nov. 20 thru Nov. 22, Fountain of the Sun’s Activity Center, 540 S. 80th St., Mesa, $5, (480) 380-4000, ext. 204. AARP Safe Driver Course, 8:30 a.m. to 12:30 p.m., Grandview Terrace, 14515 W. Granite Valley Dr., Sun City West, $12 AARP members, $14 nonmembers, reservations required, (623) 455-5633. AARP volunteer instructor Robin Mandell addresses rules of the road, defensive driving techniques and tips for safely operating your vehicle. Learn how minor adjustments in your driving can compensate for common age-related changes in vision, hearing and reaction time.

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November 21 Thursday “Emerging Drugs of Abuse: From Bath Salts to Spice,” 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) 527-3776. Dr. Aryn O’Connor will lead the discussion, which includes a catered dinner and free valet parking.

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November 22 Friday The Sun City West Rhythm Tappers’ “This Joint is Jumpin’,” various times, thru Nov. 24, Stardust Theatre, 12702 Stardust Blvd., Sun City West, $7, (623) 680-7081. The show will feature jazz, tap, clogging, Hawaiian dancing as well as singers and a musician—all paying tribute to the big band era.

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The Hutchins Consort, 7:30 p.m., Gold Canyon United Methodist Church, 6640 S. Kings Ranch Rd., Gold Canyon, $25 adults, $5 for students through high school, www.gcac1.com/cynsnds.html. Known for its eclectic musical repertoires ranging from Bach to pop, this group’s masterful performances are uninhibited, improvisational, and always entertaining.

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Arts and Crafts Bazaar and Sale, 8:30 a.m. to 3 p.m., repeats Nov. 23, The Congregational Church of Sun City, 18401 N. 99th Ave., Sun City, free admission, (623) 977-4241.

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November 23 Saturday Arts and Crafts Sale, 8 a.m. to 2 p.m., Mesa East Clubhouse, 225 S. 74th St., Mesa, free admission, (480) 437-0176. Presented by the Mesa East Ladies Club, the event will also feature lunch, a bake sale, door prizes and a silent auction. Sunland Village Karaoke Night, 6 p.m. to 9 p.m., Sunland Village Auditorium, 4601 E. Dolphin Ave., Mesa, $2 includes soda or popcorn, (480) 832-9003.

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

Savvy Social Security Planning calendar You’ve PAID into the system for years. Learn how to help OPTIMIZE your payout. Did you know there are over 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. Join us to learn... • The simple secrets to maximizing your Social Security Income. • How the proper coordination of spousal benefits will help you both receive the highest level of monthly income. • How earnings affect your benefits. • Other unforeseen risks in retirement that can catch many retirees off-guard and how our Total Retirement Audit can help uncover them before it’s too late. • Social Security employees cannot advise you.

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

... from page 17 November 24 Sunday

“An Irish Christmas in America,” 4 p.m. and 7 p.m., Musical Instrument Museum, 4725 E. Mayo Blvd., Phoenix, $34.50 to $38.50, (480) 478-6000. Produced by Oisín Mac Diarmada of the award-winning lrish group Téada, “Irish Christmas in America” features top Irish musicians, singers and dancers in an engaging performance rich in history, humor and boundless energy. November 25 Monday The Sun Cities Saddle Club, 9:30 a.m., Wooddale Village Retirement Community’s activities room, 18616 N. 99th Ave., Sun City, free, (623) 584-5696, suncitiessaddleclub@gmail.com, www.saddle.scwclubs. com. Membership is open to all residents of Sun City, Sun City West, Sun City Grand and Corte Bella. November 26 Tuesday MS Disease Treatment Discussion, 10 a.m. and 2 p.m., Tuesdays in November, Helen Foundation, 105 S. Delaware Dr., Suite 8, Apache Junction, free and reservations required, (480) 389-5431, ernestogallegos01@gmail.com. November 27 Wednesday Harvest Social Craft Show and Bake Sale, 9:30 a.m. to 12 p.m., Peoria Community Center, 8335 W. Jefferson, Peoria, free admission, traditional Thanksgiving luncheon is $3, (623) 773-7436. East Valley Michigan Club, 9 a.m. breakfast, Golden Corral, 1868 N. Power Rd., Mesa, (480) 986-7085, (480) 610-9864, jilanctot@cox.net. When the group meets, it eats and shares Michigan news. November 28 Thursday Happy Thanksgiving from all of us at Lovin’ Life After 50! Arizona International Auto Show, 9 a.m. to 7 p.m., Nov. 28, 9 a.m. to 9 p.m. Nov. 29-Nov. 30, and 9 a.m. to 7 p.m. Dec. 1, Phoenix Convention Center, 100 N. Third St., Phoenix, $6 to $10, (602) 262-7272. Produced by Motor Trend Auto Shows Inc., the show will feature hundreds of the newest cars, minivans, trucks and SUVs. November 29 Friday The Capitol Steps, 8 p.m., repeats 5 p.m. and 8 p.m. Nov. 30, Scottsdale Center for the Arts, 7380 E. Second St., Scottsdale, $45 to $69, (480) 499-8587, www. scottsdaleperformingarts.org. November 30 Saturday Phoenix Coyotes vs. Chicago Blackhawks, 6 p.m., Jobing.com Arena, 9400 W. Maryland, Glendale, $22.05 to $390, 1-800-745-3000, www.ticketmaster.com.

Got an event? Send it to info@lovinlifeafter50.com

entertainment To enter simply: F

rivia Contest

all brings about plenty to be thankful for—especially as we transition from blazingly hot weather to an undeniably perfect climate. Your mood tends to improve when your flesh isn’t close to searing off the bone. Go figure! The drop in temperatures means the holidays are just around the corner, and while that might mean spending an inordinate amount of money on gifts, it also means bringing together family and friends for food and fun. So let’s get the jump on celebrating the first of “the holidays”— Thanksgiving! (We suppose you could technically count Halloween as the first, but bleeding, seeping zombie costumes don’t exactly give us the warm fuzzies. Call us crazy.) Pop on your buckled shoes and hat, pilgrim. Thanksgiving trivia is coming your way!

Trivia–Thanksgiving

1 2

Where was the first American Thanksgiving celebrated?

3 4 5

How much money did Americans spend on turkey meat in 2011?

What animal does the President of the United States “pardon” each year before Thanksgiving?

A solution of water and salt that adds moisture to turkey meat is called what? What year did Thanksgiving become a federal holiday?

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

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The “balloon boy” hoax in 2009 is the relatively recent media stunt where the Heene’s family son, Falcon, said on TV, “You guys said… we did this for the show?” Faul McCartney (which is supposed to sound like “Faux” McCartney), is the double some conspiracy theorists believe Paul McCartney was replaced with a double after he “died” in 1966. P ope Joan is the name of the “first and only female pope,” a hoax that was disproven and a story that is considered anti-papal satire. While common lore says Harry Houdini died after a McGill University student reportedly delivered some vicious blows to his abdomen before a Detroit performance, he actually died of peritonitis. “The War of the Worlds,” was the name of the radio program that accidentally convinced the listening public that aliens invaded Earth.

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Boomerish : : by Steve Greenberg

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Service that’s above and beyond. That’s what you get from a Farm Bureau agent. And your health insurance coverage is no different. I’ll help you navigate the new complexities of health insurance so you can be conﬁdent that you and your family have the coverage that’s right for you. Health insurance made simple. Really? Yes, really. I’m your Farm Bureau agent and I know health insurance. Let’s get started today! Authorized Broker Farm Bureau Property & Casualty Insurance Company Farm Bureau Life Insurance Company

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s y e C urn Jo

lose to six million Americans carry the diagnosis of heart failure. Heart failure also is the leading cause of all hospitalizations in individuals older than the age of 64. Additionally, once hospitalized for heart failure, the patient carries a 30 percent risk of being readmitted with heart failure in the next 30 days. Can these admissions and readmissions be prevented or at least reduced? The answer is an astounding yes. The patient has a vital role in avoiding one of every five hospitalizations for heart failure. Furthermore, a dedicated patient may decrease the risk of annual readmission by almost 40 to 45 percent.

Gail Kohler

True-life tales from some of Arizona’s most fascinating residents.

The Roles of the Doctor The role of the cardiologist does not stop after diagnosing and treating the failing heart with medications, surgery and/or devices, such as pacemakers and defibrillators. The role of the cardiologist is fourfold in such a setting. The cardiologist wears several hats. She not only has to connect with the patient, engage as an active listener, convey and deliver the treatment plan, but most importantly, she assumes the role of the patient’s coach, as well.

Gail Kohler

Connecting with the Patient One would think that for such a common disease as heart failure, the Interior Designer/Pet Nanny treatmentAge: would be universal and cut 76 and dry, as well. Unfortunately, that is not the case. There is no cookie cutter Belief System: “I personally think when one overcomes approachcatastrophe to heart failure. The treatment of any kind—cancer, mental illness, anything—you plan notdo only has toa complement the my philosophy is to honor what develop philosophy, and patient’s God lifestyle, has likes givenand me.”dislikes, but also has to be consistent with his abilities and habits. Most importantly, the heart Her Goal: “My passion is to approach Ellen DeGeneres and failure treatment plan has to conform have Catherine Zeta-Jones as a guest star [for a TV show] and to the beliefs of the patient. theit’s like to cope with being bipolar. have Catherine explainAll what above-described patient I do believe thatcharacteristics more Hollywood people are coming forward have to and be identified, recognized saying, ‘I am bipolar.’and I think that’s a good thing. I believe acknowledged by the doctor. everyone has a story. We learn and we bond, and I think it’s a The cardiologist must positive thing. It isrespect my goaland to somehow reach Ellen and having accept these characteristics hernot a marathon, but a two-hour a program like Jerry’s in Kids, patients. situation where guests on the show would be entertaining; it would be educational and it would raise money.” Active Listener To beContinuing an activeRecovery: listener, the Staying emotionally and physically cardiologist is lucky, as she already for those who suffer from mental active are coping mechanisms has theillness. important “Since ingredients it’s so hot, Iofwalk for an hour every morning compassion and care. However, at (Scottsdale) Fashion active Square and I visit all my friends— listening Prada, also requires time and and patience. Jimmy Choo Tiffany. Keeping busy and walking is To have important, time, the vital component especially at our on age.” her side, the cardiologist would need to schedule her Heart Failure Clinic with

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

: : by Christina Fuoco-Karasinski Photos by Adam Moreno

n 1995, life couldn’t have dealt Gail Kohler a more catastrophic card. Accustomed to “ball gowns and limousines,” Kohler found herself homeless, cut off by family and friends. But it was a fellow Scottsdale vagrant who helped turn Kohler’s life around. “He said, ‘Why are you crying?’” Kohler recalls. “I said, ‘Because nobody loves me. I was abandoned by every friend, every family member, everybody.’ He said something that gave me perspective: ‘Not even everyone loved Jesus.’ I thought, ‘Oh, OK. Jesus was abandoned. He understands.’ That was life changing.” A Long Island, N.Y., native, Kohler prefers not to elaborate on the negative, but says she found her way to a shelter where she worked on managing her bipolar disorder. “Once I got shelter, I was able to talk to different businesses about mental illness, to Scottsdale Chamber of Commerce, to churches, to women’s groups,” she says. “I really wanted

to help people understand what it’s like to have depression, so that other people don’t become abandoned because they’re ill. As I said, having shelter was the biggest thing. I felt safe. I didn’t have to work on the safety issue as much. I progressed from there.” Her progression included working professionally with crafts, as a pet sitter and as an interior designer. But then she suffered another devastating blow—she went blind. Surgery has since repaired the problem. “I was faced with every single kind of situation you can imagine to the extent that I finally started my own pet nanny business,” Kohler says. “Consequently, what I was doing was living at homes while people were away. Today, Kohler pursues two vocations. In addition to pet sitting, she works in interior decorating, which she’s done since 1972. “Between the two businesses and the unconditional love of the pet nanny business, and reaching out and trying to help people understand mental illness, I’m really, really busy and really, really blessed.”

November 2013 : : Lovinâ&#x20AC;&#x2122; Life After 50 : : page 23

s r e g n a h Game C By Jimmy Magahern

Through SCORE, retired business professionals keep their ‘brains in the game’ by mentoring young startup owners. But how much has the game changed?

f all the things he thought he’d miss after retirement, pouring over a balance sheet with coworkers was never very high on Scott Schreiber’s list. And yet, there he was, at a Networking Phoenix event, mixing and mingling with hundreds of other business owners and entrepreneurs—some retired, some active—when he heard from behind a booth a couple of fellow business vets talking about liquidity and derivatives, assets and liabilities. It was like music to his ears. “Most of us, when we were in our careers, had a certain camaraderie with the people we worked with,”

says Schreiber, who retired a few years ago after more than 30 years in business development and management. “We were going to events or business symposiums, we had work relationships. “Well, some of that gets lost when you retire,” he continues. “And sure, if you’re an active person, there’s plenty of things to do. But, strange as it sounds, it’s nice to sit down with somebody now and then who will want to talk about balance sheets or strategic marketing!” Schreiber found his kindred spirits in the booth for SCORE, a nonproﬁt association partnered with the U.S. Small Business ...continues on page 26

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Game Changers... from page 24

get to socialize with people who share your same business background,” he says. “It’s nice. I’ve got friends I hang around with, but it’s not the same as being actively out and involved in the business community.” “Plus,” Schreiber adds, getting to the heart of what drives SCORE’s 13,000 volunteers nationwide, “it keeps my brain in the game. I’m not sitting on the sidelines.” The A Team It’s a dedicated team, to be sure. All SCORE mentors work as unpaid volunteers, and put in roughly four hours a week meeting with people launching their own small business startups—young people, mostly, who come to SCORE looking for sage advice and wisdom in a wide variety of specialties, from finance and marketing to sales management and business analysis. “We have an incredible wealth of experience to offer, between all our mentors, that we make available to all small business owners,” says Andy Beran, president of the Greater

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

Kimberly Hosey

Administration (SBA) that provides mentors—primarily retired business professionals, average age 60—to help small business owners. Founded in 1964, SCORE now assists about half a million small businesses each year, and oversees 354 chapters throughout the United States, including chapters in Tucson and Phoenix. Schreiber joined the Phoenix chapter, volunteering as a mentor for a couple of years before gravitating into a role not unlike the job he did for decades as a senior marketing manager. “I do what we call development,” he says. “Fundraising, networking, building business relationships. So I go to symposiums and bring sponsors, I put on a golf tournament—which is fun for me, because I’m still networking with some of the larger companies in the area and helping the small business community.” He likes working with the other SCORE mentors, too, who’ve taken the place of the ledger-scribbling officemates he never thought he’d miss quite so much. “You’re hanging around with like-minded people, you

Scott Schreiber found his kindred spirits in SCORE, a nonprofit association that provides mentors to help small business owners. Beran, who himself has parlayed Phoenix SCORE—at 80 mentors, one of the organization’s largest. “For his decades of experience in research example, one of our guys was an and development at several Fortune executive with IBM for many, many 500 companies into mentoring some years, and is an expert in IT. So if 400 small business owners in the you’re a small business owner starting fields of finance, market research and a tech company and you need some transportation, among others, says advice, here you can sit down for free each mentor at his chapter contributes and spend an hour or more with a an average of 200 volunteer hours a guy who was a senior vice president at year. Usually the mentors meet with IBM!” ...continues on page 28

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November 2013 : : Lovinâ&#x20AC;&#x2122; Life After 50 : : page 27

the startup owners at the downtown offices of the SBA, which, for 17 days in October, were closed as part of the federal government shutdown. That didn’t stop the SCORE volunteers, though, says Beran. “We just met with the small business owners at Starbucks, or on the phone, or by email, which we get a lot of these days,” he says. “It’ll be 10 o’clock at night, and I’ll be up answering emails from all across the country. It can be time-consuming, but it’s a labor of love for all of the mentors.” It can also be a bit of an ego stroke, Beran admits, for these former captains of industry to get the opportunity to school some up-and-comers on the hard lessons learned from their own successful careers. “It’s very gratifying to share knowledge that you’ve acquired,” he says. “I’m 55, and instead of feeling like I’m too old to have anything to offer, my experience is valued. We do a lot of mentoring at ASU, talking with men and women in their early 20s who are starting businesses. They have an idea, and they want to do something with it. And they’re just hungry for the type of knowledge that we’re able to share with them. It’s very, very gratifying, and it’s a lot of fun.” It can also be a challenge, though, in dealing with the kinds of questions young business owners have today—most of which deal with technology and workplace advances that weren’t around back when SCORE’s mentors were ordering their secretaries to fetch a fax. “They have questions about social media and new channels of marketing,” Beran says. “So it’s very important to keep up on all that. It’s kind of a continuing education for all the mentors.”

but you also get to say “goodbye” at the end of the day, leaving the cleanup and sleepless nights to the parents. “When you’re younger and you’re doing all this stuff, you’re faced with starvation if you fail,” says Rod Houston, whose career includes 25 years as an executive with GE and also a couple of startup businesses of his own. “It’s exhilarating and challenging, but there’s also a lot of risk involved. With this, I’m getting what I need but without the risk.” Houston says volunteering as a mentor may sound noble, but there are also a lot of self-gratifying reasons for doing it. “The thing I miss most about business, besides the people, is the game,” he says, emphasizing the last two words like a former star quarterback heading back onto the field as a coach. “There’s a game of intellectual strategies in making a situation work. I just love that, and I get to play that game now every day. “But I don’t have to make it work,” he adds. “I don’t have to have all the pressure of being a success at the end of the day. I’m getting more of what I

Adam Moreno

Game Changers... from page 26

Jamie Low’s firm is run almost entirely by women and she’d like to turn that into a mentoring opportunity at SCORE. She volunteers in an educational role for the nonprofit. their success as much as they do,” not just sales, and women usually just Houston insists. Adds Schreiber, happen to be in those servicing roles, “It’s true, there’s no risk as far as my so that’s how it evolved. “But now what I’d like to do is financial well-being goes. But most of us mentors take very seriously the actually mentor women, and help impact that we have on a business. them start businesses and get things While it may not affect our wallets, going.” Low joined SCORE about from the standpoint of our integrity two and a half years ago, but so far working with the business community, hasn’t had many opportunities to we are serious about making sure what mentor. “They needed me first in an we do is helpful, and we educational role,” she says (in addition do take responsibility for to the free mentoring services, funded that. If I did something by the SBA, SCORE chapters also put that hurt a company, I on monthly educational classes, for wouldn’t sleep well at which attendees pay a small fee). “But hopefully I will be able to do more of night.” Some mentors are that, as time goes on. With so many also looking to leave a small businesses still struggling, I’d personal legacy even really like to do something to help.” greater than the one they achieved through their New playing field With the Internet and all the new own business career. Jamie Low began her technology available to help everyone career in the insurance with a good idea get their business off industry in 1977 as an the ground, just about every SCORE underwriter for St. Paul volunteer agrees it’s easier to start up a Insurance Companies business today than it used to be. “I can sit down this afternoon and and, together with another St. Pauli girl, before the day is out, I can have a Brenda Johnson, the website up, I can buy email marketing two launched their own business lists, set up a YouTube account and insurance agency, Low & Johnson, in Facebook and LinkedIn accounts 1999. Today their Chandler firm is and my business will be visible to the notable for being run almost entirely world,” says Schreiber. “But whether by women—a coincidence, Low says, anyone will find me is a different that she’d like to turn into a mentoring matter. And guess what? Everybody else can do exactly the same thing. So opportunity at SCORE. “It happens to be a primarily while the barriers to entry are greatly women-run business, but it wasn’t by reduced, the competition is also much design,” she insists. “At my agency our greater.” focus is providing service to our clients, ...continues on page 30

...mentoring a startup business is like being a grandparent: you get to re-experience all the fun of raising a baby, but you also get to say “goodbye” at the end of the day, leaving the cleanup and sleepless nights to the parents.

Playing for fun To hear some SCORE mentors tell it, mentoring a startup business is like being a grandparent: you get to reexperience all the fun of raising a baby,

miss without having to pay the price, so to speak.” That’s not to say SCORE’s mentors don’t have an emotional stake in seeing their clients succeed, and in fact, the organization has an impressive success rate: in 2012 alone, SCORE mentors helped their clients generate $22 million in revenue, with a lower failure rate than small businesses statistically face without mentorship. “I revel in

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

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November 2013 : : Lovinâ&#x20AC;&#x2122; Life After 50 : : page 29

Game Changers... from page 28

Fortunately for the old school business pros filling SCORE’s mentoring positions, the basic rules of running a successful business have remained pretty much the same—and even the young kids trying to launch the next Facebook are starting to see the necessity of getting a good general business education. “A lot of people come in all enamored with their idea, and think the answer to everything is just to put their business up on the Internet,” says

Houston. “But how are people going to find their website? Who’s going to loan you the money to get the business started? The fundamentals of starting a business still haven’t changed. You’ve got to have orders, you’ve got to satisfy customers and you need to have sufficient finances to keep things going.” Adds Schreiber, “The No. 1 mistake that I see now and that I’ve seen for as long as I’ve been in business is that people don’t plan. They don’t put

together a business plan—figuring out what it costs to buy products, what your costs are to deliver the products or services and who your competition and market is. People don’t like to do it because it’s gut wrenching and time consuming. “But the truisms that have been true since the beginning of time still apply,” he says. “You’ve got to plan your work, and work your plan. It was the same 100 years ago, and it’ll be the same 100 years from now.”

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Sound Off

... from page 6 nice to see some answers to some of Oh, another accidental murder. the questions I’ve asked. This really is There’s always a variance for 87-year-old grandma. more and more parking spaces, but never a rule for in-ground barriers Well, it’s disgusting after in between (parking lots) and store hearing the president speak windows. Looks like common sense at the United Nations, that went out of style four generations ago. commercial television is so broadly connected and thinks of nothing but More sad sports news: Another profit. They ignore the importance of one gone. How many current the speech about the necessity of unity and past football head injury in the United Nations. players have to die—to kill themselves— knowing they’ll be ill, to satisfy the Hey old timers, maybe old money-greedy owners and the Roman McCarthy wasn’t as crazy coliseum-style viewing public? The as we thought years ago. original athletic Grecian sports were all Communist invasion of schools via about fair play, agility, not violence. It’s the PTA and educational changes is the Romans who changed the games nothing compared to today’s television into crowds screaming “Kill, kill, kill,” concentrated trash talk keeping citizens that we witness today, even with little ignorant of actual information. Think kids’ games. about that. Talk about it with your grandparents. You’ll get your picture a In all of the investigations of lot clearer. the lost 19 firefighters, has anyone bothered to trace their Whatever happened to offering footsteps, step by step as they moved an American a job before an along and see when, if, or ever they immigrant? I’m all for foreign lost their phone connections? Maybe companies starting new businesses here that’s why they kept going the way but I’m not happy that they hired only they did. It’s their phones fault. They were in a canyon. Such brains. Never people from their own countries. think of walking in their footsteps from Question: Does anyone know beginning to end. how to get rid of these invasive phone calls with people asking Happy Birthday to Grandma for information they need about your today. All the rest of you have credit card? How do you get rid of to do from now on is pay these people? I keep punching *57 attention to clean energy issues so your and *69. It’s supposed to get rid of grandkids can keep living in a free them, but they call morning, noon prosperous America as mine do today. and night to give you info about your Squash those political egos. no-good credit card. How does the public get rid of these nuisance calls? If you’re taking a poll, my vote The telephone companies aren’t doing says it’s the Republicans’ fault anything about it, or they’re saying, for all the people who only “Oh, we can’t do anything about it if have phones and no computers. We’re it’s an 800 number.” voting and it’s the Republicans’ fault. I don’t think government should be in marriage at all. In fact, I think marriage is a religious term. We should just have civil unions. Then, if the people want to be married, they should go to their church, temple or mosque of their choice and become married. I think we should keep government out of religion. Have civil unions so two committed people can get health benefits for their children and the family for sure. Anyway, that’s my sound off.

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My mother once told me when she asked her mother how she knew so much, grandma answered, “Experience, child, experience.” Just the thing the Tea Party 80 has so little of, to believe closing down the government won’t hurt the little people. Stupid does as stupid is. Ain’t that the truth? Won’t it be funny when all those 80 Tea Partiers find the people who write their checks,

get plane tickets home and other freebies are all on furlough? Nothing like Washington for stupidity.

with no retroactive pay. I guarantee you, the next federal shutdown will last 30 seconds or less.—Bill Fox, Mesa

Well, looks like the Tea Party bullies flunked history class. They don’t seem to know what happened after Boston Harbor or Paris revolts long, long ago. The ‘let them eat cake system’ will not work in Washington, either.

Poor Mr. Boehner. He must be living in the subway tunnels under the capital. He doesn’t notice people aren’t paying any attention to him. They’re all going back to work to do the right thing for America. He doesn’t have any excuse anymore. He’s just the tail trying to wag the dog again.

Sen. McCain just said the Grand Old Party vets fought the bullies and lost a good debate. Disgraceful. They deserve to lose again for many, many upcoming elections. God help America. Please help America. It’s disgusting. You can’t believe either liar in Washington. Who’s America’s al-Quada: The Tea Party or the president? Think about it. In today’s news: The government experts wonder how to prevent forest fires. Hey, reinstate the lumber industry you ruined with rules against clear cutting and new rules for replanting, dummy. Typical government experts. They know nothing. With the news of the two raids in Africa, it’s no surprise the president didn’t have time for the juvenile delinquent nit-pickers in Washington. They need to go back to school at least, or at least learn some better manners. The self-inflicted, selfdestructive federal government shutdown ranks as one of the most embarrassing episodes in American politics. It’s disgraceful that President Obama and Congress used federal employees and taxpayers as pawns while playing a dangerous game of chicken. Things would be diff if the president and Congress suffered financially. I propose new federal laws. When the next shutdown occurs, the salaries of president and Congress should be suspended with no retroactive pay. The health benefit plans will be frozen until the shutdown is resolved. All pensions of former presidents and members of Congress will be frozen

It’s high noon in Washington and how are the new juvenilestyle congressmen allowed to change the health care bill to a derogatory term only to insult the president, and why are they still allowed to disrupt the country like spoiled children? It’s not just a onegenerational thing. Shame on all of them. Shame on all of them who just couldn’t accept not anyone being part of the segregation system. Shame on all of them. You deserve what you get. If the government needs money to pay bills, why is it so difficult for grandparents to buy saving bonds for college expenses for kids 10 years from now? Or is it supposed to last that long? God help us. We need a lot of help from smarter people. Boehner said he wants his term to be remembered in history books. Oh, he can bet he won’t be forgotten by several million, miserable, hungry, homeless citizens of 2013 for sure. When the Tea Party group said they want total surrender from the president, they’re saying that man must bend his knee to our superiority. Who do they think they’re fooling? This is the new America where everybody is the same as everybody else. Ugly, ugly, ugly, people. Bullies are in charge of Congress. What do we do with bullies? We get rid of them. The police chief of Tucson, Roberto Villasenor, is under fire for allowing, and enforcing, the laws of Arizona. I only wish Sheriff Dupnik would do the ...continues on page 42

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Tinseltown Talks Saluting Marvin Kaplan

: : by Nick Thomas

alf a century ago, the country was Winters, Sid Caesar, Phil Silvers, embroiled in civil rights conflicts, Buddy Hackett and Spencer Tracy, the a war in Asia, and mourning the loss film soon became a comedy classic.” In the gas station scene, Marvin of a president. When released in the midst of this social turmoil in 1963, is paired with Arnold Stang. Their Stanley Kubrick’s “It’s a Mad, Mad, characters, Irwin and Ray, attempt Mad, Mad World” must have seemed to subdue a highly agitated Jonathan appropriately titled. In reality, the film Winters, whose character is competing was an epic comedy featuring one of in the mad race to locate buried the greatest casts of comedians ever money. When Winters erupts in anger, he reduces the building to rubble. assembled on film. “Unfortunately, the “There was a gas station was destroyed pall on the whole before all the close-up country and not scenes were filmed,” a lot to laugh Marvin recalls. “It had to about,” recalls be rebuilt overnight—a Marvin Kaplan, mistake that cost who appeared $100,000!” in the movie’s The film, which took memorable gas two years to make and station sequence. “With stars Gas station scene from “It’s a Mad, Mad, was shot in 30 California locations, had its world like Mickey Mad, Mad, World.” Marvin on left, Rooney, Milton Winters center, Stang right. Photo provided premiere at the new Cinerama Dome in Berle, Jonathan by Marvin Kaplan.

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

Hollywood, which was completed just days before the movie’s first showing. While filming his scenes, Marvin was pleased to share quarters with Winters who had one of the few air-conditioned trailers on the set—a blessing in the 107-degree California desert. He also recalls experiencing firsthand Winters’ brilliance at improvisation and mastery of madcap mimicry and mime. “We would play a game in the trailer called ‘Who are you today, Jonathan?’

He would go on for 45 minutes making up characters while we waited to shoot the next scene. I’ve worked with two comedy geniuses in my life and one was Jonathan Winters.” The other was Charlie Chaplin. In 1948, a youthful Marvin Kaplan was stage manager for a play called “Rain” at the Circle Theater in Los Angeles. Chaplin was the director. “He was so graceful and walked like a ballet dancer. One time he did a

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Press photo from July 9, 2012, when the Academy of Motion Picture Arts and Sciences presented a screening of “It’s a Mad, Mad, Mad, Mad World” for its “The Last 70mm Film Festival” at the Samuel Goldwyn Theater in Beverly Hills. Marvin Kaplan is seen with two other cast members Mickey Rooney and Jonathan Winters (who passed away last April). handstand on a table—he was around named their cat Choo-Choo after that 60 at the time! And during the shows, character!” In recent years, Marvin, who turns he couldn’t sit in the audience and watch because he was too hyper. So 87 in January, has concentrated on he’d walk around the theater with a writing and producing, including the handkerchief in his mouth, but all the plays “A Good House for a Killing” and “Bluebeard’s Eighth Wife” (see www. audience was watching him!” Kaplan also recalls performing one marvinkaplan.com) and is especially Christmas in a play, “Aladdin and the interested in working with veteran Wonderful Lamp,” with Chaplin in the actors. “I also executive audience. produced and wrote “I was in dark the screenplay for Egyptian makeup ‘Watch out for Slick,’ with my glasses which was in nine removed. During the film festivals and show I was supposed won several awards,” to hold up cards, says Marvin. “The but couldn’t see a average age of the thing, so they were cast was 70 and one all the wrong way. was 98 at the time. It was really messed It’s a myth that actors up. Chaplin came over a certain age backstage after the can’t memorize lines. performance to see the cast and Sydney, Marvin points to a photo of the “Top We did one-takes mostly, and they his son who was in Cat” cast. Arnold Stang, with whom the show. We asked he worked in “It’s a Mad, Mad, Mad, came prepared and on time—none of the him how he liked it: Mad, World,” did the voice for Top nonsense or tantrums ‘Sydney was good,’ he Cat. says. ‘The monkey was good, too. But we see from some young stars today!” In addition to writing and producing, that nearsighted Nubian slave really cracked me up.’ It was one the greatest Marvin still acts. “The great thing about growing old is that I can do compliments I ever got!” Since the 1950s, Marvin has whatever projects I want. I have to appeared in numerous films and TV keep busy.” shows, and was a regular cast member on the ‘80s sitcom, “Alice.” With his Nick Thomas has written features and distinctive Brooklyn-flavored accent, columns for more than 330 magazines and he also worked as a voice actor, notably newspapers and is author of “Raised by the in the popular “Top Cat” cartoon from Stars,” published by McFarland. He can be the early 1960s where he voiced Choo- reached at his blog: http://getnickt.blogspot. Choo. “People tell me all the time they com

leep Apnea is a condition where a person’s breathing is closed off for a period of time during sleep. Sometimes this can occur as much as 100 times in a night. Sleep apnea can increase chances for heart disease, high blood pressure, sexual dysfunction, depression, learning or memory loss and tiredness. Many times the person suffering from sleep apnea may not know it, but it is often the spouse who notices it first. An 18-month study involving sleep apnea patients at the South Texas Veterans Health Care System, is using an oral appliance called the Thornton Adjustable Positioner (TAP) to treat those suffering from moderate to severe sleep apnea. According to Dr. Paul McLornan, at the University of Texas Health Science Center at San Antonio, many patients with moderate to severe sleep apnea were not adhering to standard treatment with continuous positive airway pressure (CPAP) machines. Many factors including the noise, cumbersome attachments, bloody noses, and the lack of flexibility of different sleeping positions prevent many people from using their CPAP machine. McLornan’s study proves that the TAP device, which is smaller and fits in a patient’s mouth, is now an option for patients with mild, moderate and, now, even severe sleep apnea. He states that it was previously thought that treatment for patients suffering from severe sleep apnea was limited to the

use of the CPAP or surgery. This study adds to the body of medical and dental research literature by showing that oral appliances can be effective in treating people with severe sleep apnea. The device is less cumbersome, is better tolerated by patients, and is much less invasive and costly than the CPAP or surgery. Patients in the study were fitted with the TAP appliance and given a tiny key that fits in the front of the device. The patient was instructed to wear the appliance every night and to insert and turn the key several millimeters before bedtime. By turning the key, the patient pulls the lower jaw forward, thus creating an open airway in the throat. Patients then told the researchers when they reached a point in the adjustments that felt comfortable and when they felt they were able to sleep without snoring or gasping. Then the patients were evaluated using standard sleep studies to determine whether or not their sleep had indeed improved. It was found that patients improved significantly using the TAP. (Source: Mission, UT Health Science Center, San Antonio, Spring 2009) Dr. Martin Farnsworth of Las Sendas Dental Health has been successfully using the TAP device to treat patients with sleep apnea since 2001. If you or your significant other suffers from snoring or gasping while sleeping, they may be suffering from sleep apnea. Please call for an evaluation, and let us help you find a way to improve your health, and to get a full night of restful sleep again. For an appointment to evaluate your options, please call (480) 283-5854.

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Sound Off

... from page 35 same and actually grow a pair. I think I can hold back no longer. he needs to be ousted. Congrats to All members of the House Police Chief Roberto Villasenor. voted to pay the 800,000 “nonessential” employees their full Eleven days later, in salary after they return from their Washington, the arguments in “vacation.” The Senate will agree and politics that a winner must give Obama will sign. It will be business something to the losers are ludicrous. as usual with all in government taken OK, give them their jobs back and care of. They care not about the rest of everyone else in America’s with lost us, just plain citizens. Veterans visiting Washington on Honor Flights are back pay. How about that? denied the full benefit of their threeday visit. Some are veterans from the We will never vote Republican Vietnam War, were they allowed to ever again. One half is visit their memorial? Lincoln is covered ignorant, greedy and stupid up so he can’t be seen even from the and the rest are gutless in a fight. Lose, street. I blame Obama for this insult and I also accuse him of penalizing lose, losers. the people of Arizona by closing the We’ve stopped donating to Grand Canyon to an estimated 18,000 the expenses of a corporate daily visitors. He has great hatred for organization of any so-called us all since we will not accede to his march for the cures and demand instead demands.—Jack B. Walters, Tucson a limited committee of knowledgeable volunteers be formed to investigate I received the Grand Canyon patient needs and give all those funds Railway tickets in the mail to them as needed. They should collect a few days ago, and I want no more than travel expenses for to thank you for selecting me as the themselves. That’s what true charity is winner. I am looking forward to about, not supporting another nontax- enjoying the train trip and the fall paying charity business. Give it to the colors along the way!—Donald T. people who need it. Sanger, Oro Valley The Federal Highway Fund will run dry by 2015, according to Curtis Tate of McClatchy Washington Bureau. I have a temporary solution. It can be done without increasing the 18.5-cent tax. I did some research a week ago after reading that there were proposals to make the federal highway system toll roads. In 1956, the tax rate was set at 3 cents. In the ‘50s, 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. All Congress has to do is redirect the 7 cents going to deficit reduction and return to the original intention of maintaining the highway system.—Jack B. Walters, Tucson

My grandkids want to know, did the president himself write all those new rules for doctors that everyone’s complaining about, or did someone else do it that found a way to make more money for themselves and blame him when it went wrong? Why are some in Congress such troublemakers? Can you answer that? I can’t. What do you think? Let’s get some real answers from now on.

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480-361-4630 480-361-4630 page 46 : : Lovin’ Life After 50 : : November 2013

home

Reﬁnancing in Reach of More Homeowners W hen the federal Home Affordable Refinance Program (HARP) launched in 2009, millions took advantage, but many other homeowners found they couldn’t qualify to refinance their underwater mortgages. Today, significant enhancements have made the program more accessible for homeowners and a great opportunity to lower payments or build equity faster. If you owe as much or more on your home than its current value, you’re considered “underwater” or “upsidedown” on your mortgage. For some homeowners, the situation has led to foreclosure. Others, however, have stayed current on their mortgage payments, and those are the people HARP is intended to help.

You may be eligible for HARP if: • You are current on your mortgage. • Fannie Mae or Freddie Mac backs or owns your mortgage, and they acquired your mortgage on or before May 31, 2009. Use Fannie Mae’s and Freddie Mac’s online tools to find out. • The mortgage is for your primary home, a single-family second home or a one-to-four unit investment property. If you’re underwater but still able to afford your current mortgage payment, you may wonder why you would want to refinance. Refinancing a higher interest rate mortgage is a great way to obtain a lower rate that saves you money over the life of the loan. Unfortunately, traditional refinances are not designed to help people whose current home debt exceeds their home’s value. For underwater homeowners, qualifying for refinancing is virtually impossible without HARP. When you refinance through HARP, you’ll likely end up with a lower monthly payment, a shorterloan term or you can even refinance an adjustable rate mortgage into a 30-year fixed rate mortgage. You can invest those savings in other areas, such as home improvements, retirement savings or college funds. Home improvements, in particular, can be a great investment because

they can increase your home’s value, even as you continue to pay down how much you owe on it. With mortgage interest rates still historically low—but likely to rise— and the changes to HARP, it’s a good time for underwater homeowners to consider applying for the refinancing program. More homeowners will qualify under the new provisions, and some who were previously declined for the program may now be able to qualify for it. Key HARP changes include: • No underwater limits—Borrowers will now be able to-refinanceregardless of how far their homes have fallen in value. Previous loanto-value limits were set at 125 percent. For example, if your home value was $100,000, your mortgage couldn’t exceed $125,000 in order for you to qualify for HARP. That limit has been lifted, so now you may qualify even if you owe much more than your home is worth. • No appraisals or underwriting— Most homeowners will not have to get an appraisal or have their loan underwritten, making their refinance process smoother and faster. • Modified fees—Certain risk-based fees have been reduced or eliminated altogether for borrowers who refinance into shorter-term loans. • Less paperwork—Lenders have the option of qualifying a borrower by documenting that the borrower has at least 12 months of mortgage payments in reserve. Perhaps most important, the deadline to apply for refinancing through HARP has been extended. Homeowners now have until Dec. 31, 2015 to apply, but take advantage of current low mortgage rates. To learn more about the new HARP and if you may be eligible to participate, visit www.HARP.gov.

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Line

home Osso Buco

Osso Buco

: : by Jan D’Atri

ovember kicks off the holiday season in earnest. It’s all about planning for Thanksgiving, family gatherings and get-togethers with friends. This is the time we start going through our favorite recipes to decide which ones are feast-worthy and fabulous. When I think of feast-worthy and fabulous, I go right to my momma’s recipe for Osso Buco, a wonderful Italian dish of braised veal shanks in a delicious glaze of simmered wine, vegetables and fresh herbs. Osso Buco literally means “bone with a hole” and in that hole is the most scrumptious marrow that I’ve always thought to be the caviar of the veal shank! This dish is considered to be a bit of a delicacy in many fine dining establishments, so I always giggle when I think of my momma’s story about Osso Buco’s humble beginnings in her life.

I would have never imagined in a million years, that Osso Buco would become such a fancy dish on many expensive restaurant menus because, as a young girl growing up in Venice, Italy, I remember my mother returning from the local butcher with free veal shank bones. Why? Because he couldn’t sell them, so he would give them away! We would use them for soup bones and my six sisters and I would always fight over who was going to be lucky enough to suck out the marrow from those delicious bones! Here I am today, sharing a recipe for a truly gourmet dish. I think you will love it, and I wish you luck getting to the bone marrow first! It’s one of my favorite family recipes and a wonderful comfort-food dish to have on hand for the cooler weather and warm and inviting holidays ahead. So let the holiday season begin with big blessings to all of you!

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4 large veal shanks (10-12 oz. each) 1 cup flour 1/4 cup olive oil 2 cups red wine 2 medium carrots, diced 1 large sweet yellow onion, diced 1 large stalk celery, diced 4 cloves garlic, minced 4 Roma tomatoes, seeded and diced 2 tablespoons fresh basil, chopped 2 teaspoons fresh chopped parsley, plus more for garnish 1 small sprig of rosemary plus 1 sprig for garnish 2 cups beef consume or broth 1/2 teaspoon kosher salt 1/2 teaspoon fresh ground pepper Directions: Dredge veal shanks in flour, patting down to coat. In a Dutch oven or deep heavy skillet, heat olive oil over medium high heat and brown shanks on all sides. Add wine and continue cooking over low heat until wine evaporates. Add in carrots, onion, celery, garlic, tomatoes,

basil, parsley, rosemary and beef broth. Add salt and pepper to taste. Cover and simmer for two to three hours, adding more stock or water if shanks begin to get dry or stick to pot. Shanks are done when they are tender but not falling apart. Remove shanks onto a platter and pour sauce from the skillet over the shanks and serve. (Sauce should be a thick glaze.) Garnish with fresh parsley and sprig of rosemary. Serve with risotto or pasta. Serves four.

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

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APARTMENTS FOR RENT AIR-CONDITIONED 1-Bedroom Apartment With Carport Near 24th Street & Camelback 602-952-1977 ASSISTED LIVING HOMES MARIE’S BOARD & CARE RN owned since 1997. Assisted Living Home centered around your personal needs. Near 38th Street & Union Hills 602-790-4121 AUTOMOBILES FOR SALE MERCEDES BENZ Must see in Chandler! Pristine 99-CL 500 Coupe Black on Black Chrome 17” Wheels Burlwood steering wheel and gear shift & wood trim package. Garaged, N/S 90,896 Miles Auto rear window shade, heated seats +++ $13,500 972-898-5117 CAREGIVING CERTIFIED CAREGIVER 25years experience with Dementia and heart & lung patients. Experienced in PT & mental stimulation. Great References Scottsdale, Carefree & Northeast Phoenix Area Call 480-223-2149 STATE CERTIFIED CAREGIVER Seeking position in East Valley private home. Four plus years’ experience, references & flexible schedule. Neg TB, fingerprint clearance. LaDona Nelson 480-695-7096 DANCES

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

HOME IMPROVEMENT/ REPAIR

MY FATHER’S TOOLBOX Honest Dependable Quality Workmanship Upgrade your plumbing or electrical fixtures. Solve accessibility needs. Carpentry, drywall and painting. For free consultation call 480-600-0958 We accept major credit cards.

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TERRY’S COMPLETE HOME MAINTENANCE & REMODEL Electrical, Plumbing, Drywall, Carpentry, Paint 25 Years Local References Satisfaction Guaranteed! East Valley Please Call Terry Heyl: 480-213-1366 ADVERTISING SPACE AVAILABLE Call Tracey Wilson for more info. 480-348-0343

LEGAL HOUSE-CALL LEGAL SVCS 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 MOBILE/MANUFACTURED HOMES FOR SALE WONDERFUL SENIOR COMMUNITY Centrally located in Tucson Quiet neighborhood, close to shopping, hospitals, etc. Recreation Hall, Pool, Laundry One-and-Two Bedroom Mobile Homes available for sale Call 520-850-4763 for Details

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. Call 480-228-7786 WANTED TO BUY CAN NOT HAVE A GARAGE SALE? Don’t want to have a garage sale? I will buy your items: Glassware, Furniture, Misc. Rick 480-268-6279 WANT TO PURCHASE Minerals and other oil & gas interests Send Details to: PO Box 13557 Denver, CO 80201

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 WE BUY LIFE POLICIES For a Cash Settlement Contact Ben The Reliant Group Inc. 1-800-457-2315 MUSIC TAYLORED MUSIC D.J. For any event, birthday, anniversary or holiday party with all your favorite music. Fun and Affordable Call Phil at 602-373-8728

Classified & Friendship Ad Information Write your ad in the space provided. All ads must be prepaid before each monthly deadline. Deadline for ads is the 16th of each month. Your name, address and telephone number will not be printed in your ad. We will give it a code. All mail we receive with your code will be mailed to you at least once a week. We reserve the right to edit ads. 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

o sun Cities (Metro Phx) o East Valley (Metro Phx) o Phoenix & Glendale o scottsdale

$25 first 30 words. 50¢ per word thereafter. $10 per additional zone.

FRIendSHIP Ad InFoRmAtIon Standard Abbreviations Used in Friendship Ads M d w LTR

= = = =

Male divorced white Long Term Relationship

F H ns TLC

= Female = Hispanic = non-smoker = Tender Loving Care

w = b = nd = IsO =

widowed black non-drinker In search of

$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

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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. Free lesson for new students. Visit: www. EastMesaGuitarLessons.com Or Call 480-600-7349

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PET SERVICES EMBARK PET CARE WALK, FEED, WATER, PLAY AND STAY!! Pet sitting, dog walking, general pet care House sitting, errands and more! Reasonable Rates/Quality Care Rated “A” on Angie’s List East Valley 480-861-8614 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

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 FRIENDSHIP ADS 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 LL1354 Hello – it is nice to meet you. I am looking for a companion to enjoy life with. Jump in, the water is nice & cold & swim to the other side where I will be waiting. WWF, red lips, fluffy figure, blue eyes, beautiful hair. You won’t be sorry.

PROPERTY CARETAKERS

DRAWER LL1244 SHM 5’9”, retired, financially secure, ISO nice woman 4560 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!

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

DRAWER LL1088 Hi, I would like to meet a special person. One who I can laugh with, cry with & just enjoy each other’s company. From NYC, now in Sun City, blooming like a beautiful flower with blue eyes, red lips, fluffy figure, light hair, WWF, LTR, ND, NS – Need TLC.

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DRAWER LL1067 Lonely love-starved older man seeking a lady lover of any race for LTR with marriage type intimate benefits – soon. Good character & N/S a plus! Please write – photo appreciated. DRAWER LL1137 Lack transportation, stuck in house looking for someone who would like to do day trips, movies, concerts, etc. If you would provide transportation, I would pay for entertainment. If interested, please contact me. DRAWER LL1223 Intelligent female seeks gentleman who doesn’t need statistics. He has self-respect, sense of humor and an inquiring mind. Enjoys good conversation & doesn’t judge a book by its cover. 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 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 LL1322 Widow, young senior, blueeyed blonde, slender & very attractive. Likes to dance, travel, dining & get away weekends. ISO widower 69-76 for LTR. Scottsdale area, please include photo & phone. DRAWER LL1443 HF, recently retired, active, seeking active N/S, N/D WM who likes to enjoy life & do fun stuff. Please include phone number. Good character a plus. 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 4565, 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 a real, genuine guy, 5’11”, blue eyes, about 180lbs, light brown hair & goatee. Mesa or Apache Junction area Hmm.

DRAWER LL1446 SWM, 5’9”, 165lbs, brown hair, blue eyes looking for a lady between 45-55 with a good personality who likes to travel & enjoys outdoor activities. Must be fit & proud of herself.

WITH A STROKE, T I M E LWOI TSHT AI SS TB R A I N L O S T. ROKE, T I M E L O S T I S B R A I N L O S T.

DRAWER LL1441 warning W I T H ALearn TTR Ksigns ES,atT R O K E , WSIthe HOA StrokeAssociation.org or 1-888-4-STROKE. WWF, 58, blonde hair with nice WITH A STROKE, T EI SL O BR A IIN T ISM ST S L BO RS AT. I N L O S T. figure, NS, very active andT I M E TLI O M E L O S T I S B R A I N L O S T. always on the go ISO gentleman with an accent, NS, 50-60 who is very generous, likes to shop, sightLearn the warning signsthe at warning signs at Learn StrokeAssociation.org or the 1-888-4-STROKE. StrokeAssociation.org or 1-888-4-STROKE. Learn warning signs at see, fish & knows how to eat! StrokeAssociation.org or 1-888-4-STROKE. Must be an animal lover. Please include phone number. Learn the warning signs at

StrokeAssociation.org or 1-888-4-STROKE.

©2004 American Heart Association ©2004 American Heart Association Made possible in part by a generous frominThe Bugher Foundation. Madegrant possible part by a generous grant from The Bugher Foundation. ©2004 American Heart Association Made possible in part by a generous grant from The Bugher Foundation.

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

DRAWER LL1442 Upbeat SWF, 70’s EV, N/S, diversified interests ISO engaging SWM to lighten sola existence; throwing away valuable personal time not good. Come; let’s make a go of it, LT!

DRAWER LL1301 WDF mid-70’s, hazel eyes, 5 ft. 7, looking for Mister Right for companionship & is a compatible, loving man. Thoughts of enjoyment, rest of our lives togetherness.

DRAWER LL1444 DWM, 5’9”, 170#, 73 years, excellent condition, NS, ISO attractive lady in 60’s who lives in the NE or Scottsdale for friendship, dates, dining. No games please. Include your picture and phone number.

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 LL1445 One of the NW Valley’s hidden treasures is this DWM 70’s looks 65 is looking for NS SWF or SHF who is active and well dressed for LTR. Would like a photo. Drop me a line. Looking forward to meeting you.

November 2013 : : Lovin’ Life After 50 : : page 51

travel

A walk through nearby Henry Cowell State Park lets techies escape the manmade environment of Silicon Valley.

From Apricots to Computer Chips:

California’s Silicon Valley :: by Andrea Gross | photos by Irv Green

A life-size model of a cosmonaut Today Hewlett-Packard ranks 43rd floats near the ceiling. A few feet away on Fortune’s 2013 list of the world’s a green Statue of Liberty holds aloft a largest companies, and the small plasticized chocolate sundae. And sitting garage is on the National Register of next to me are two men who might, just Historic Places. The sign out front might, be making a deal that will change dubs the garage the “Birthplace of my life. Silicon Valley.” My husband dubs the This is Buck’s of Woodside, a $538 a good investment. restaurant in the hills surrounding Another Silicon Valley landmark, California’s Silicon Valley. It’s a place the house where Steve Jobs lived from known for comfort food, quirky décor the mid-1990s until his death in 2011, and big deals, like the ones that resulted is a few blocks away at 2101 Waverly in funding for Hotmail, Netscape and St. The two-story brick home, which PayPal. sits on about a half acre, is fairly large “The Valley,” as it’s generally called, is but at the same time unpretentious and centered in the fertile farmland between casual. Palo Alto and San Jose. In fact, a determinedly casual “This area was paradise back in the attitude permeates the entire Valley. ‘60s,” says Phil Cosentino, who owns J People walk with purpose, but the & P Farms, the last commercial orchard suits of “Mad Men” have morphed in San Jose. into the jeans of geniuses. During our Since then, the Valley’s population has week in Silicon Valley, we see only four increased six-fold, and flourishing fruit men in sports coats, none in ties. (The trees have been cut down to make room dress code for women is more liberal. for middle-class homes and apartments. The only rule: save the stilettos for This transformation from a region after hours.) of bountiful orchards to one filled with some of the world’s most renowned high-tech companies began just a few miles from Buck’s in a small garage at 367 Addison Ave., in Palo Alto. Here, in 1939, Stanford graduates Bill Hewlett and David Packard pooled their life savings (a total of $538, which included cash and a used drill press) to start a small electronics Phil Cosentino owns J&P Farms, the last commercial orchard in San Jose. company.

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The Google campus is so large that the company provides bikes for its employees.

Of course, comfortable shoes are works. At the Intel Museum we learn more than a fashion statement. They’re about semiconductor technology, a necessity. In Silicon Valley workplaces and at the Tech Museum, which is are not clustered in high-rises but not as much about how things work sprinkled across “campuses”—a word as it is about how much fun you can that connotes not only low-slung have when they do work, we train buildings interspersed with large open like Olympic contenders by virtually spaces, but also youth and conviviality. bobsledding down a virtual hill. We spend the final day of our visit Some companies have such sprawling campuses that they provide their strolling among ancient redwoods at Henry Cowell State Park. It’s employees with bicycles. Except for the Apple store, which is a delightful as well as humbling filled with logoed T-shirts and mugs, experience, reminding us that nature the buildings are closed to visitors, so predates even the oldest manmade we move on to Castro Street in the wonders. On the plane ride home, we reflect on town of Mountain View. Unlike Buck’s, which is the restaurant what makes Silicon Valley so different where people make deals, Castro from other places. Our conclusion: Street is filled with eateries where folks Silicon Valley is a state of mind as well hatch ideas. Here, over salads and stir as a geographical entity, a place where fry, lattes and scones, ideas are floated, optimism and creativity are as much a debated and often massaged into “the part of the environment as buildings and museums. next great thing.” In the Red Rock Coffee Company we Tip: Silicon Valley lodging can be find a packed crowd taking advantage of the café’s free Wi-Fi. Most people pricey. By luck we happened upon are in baggy shorts, sandals and look a modest B&B in a perfect location. to be about 19 years old. The fellow It’s clean, reasonably priced and the at the next table is typing feverishly on owner serves up terrific chocolate chip his tablet. I wonder if I should ask him cookies. www.madisonstreetinn.com for his autograph, just in case he turns out to be the next Jerry Yang (the founder of Yahoo). Finally, we set out for the geeky part of our expedition— a visit to three Silicon Valley museums that will, we hope, give us a layman’s overview of high tech wizardry. They succeed beyond our wildest expectations. At the Computer History Museum we see everything from ancient abacuses to the first Apple computer (made in 1976) to an interactive display that The Computer History Museum has more than 1,100 explains how street-mapping artifacts.

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